Peace of Mind: Insurance and Warranties

spray foam warrantyAt Intech Equipment and Supply, the contractors we work with always share their personal experiences from their time spent “on the job” and in the trenches. These experiences almost always include their time spent working on bids and contract proposals, before a prospect is even a customer.

The Importance of Insurance

One question spray foam contractors tell us they often hear from customers is, “Are you bonded and insured?”

When it comes to this area, in some states, certain contractors are required to post a surety bond with a contractor’s board as a legal requirement. Surety bonds have limitations, and do not usually take the place of insurance.

Spray foam contractors are also usually required to carry liability insurance. General liability insurance covers property damage and bodily injury losses caused by a contractor that occur as a result of the contractor’s work. This type of insurance does not typically pay the cost of removing, repairing or replacing poorly installed insulation by the contractor (which is sometimes covered by a surety bond).

It’s important for spray foam insulation contractors and equipment providers to understand that insurance policies have limits, both in terms of the scope of coverage and also the amount that can be paid for a claim. Policies also commonly carry exclusions for specific exposures.

And because policies differ, it’s important to discuss your company’s specific policy with all prospective customers to explain what your liability insurance does and does not cover. Many customers also like to see a proof of insurance from a contractor, which is generally in the form of a certificate of insurance.

Most importantly, always be sure to keep your policy active­ ­– customers never want to see that your policy has lapsed.


One differentiating characteristic that drives Intech toward partnering with the manufacturers we proudly work with is the comprehensive warranties they all offer. A lot can be said about a company that stands behind their product, and our manufacturers and spray foam equipment providers prove this again and again.

To learn more about the importance of insurance and equipment warranties when it comes to spray foam insulation and spray foam insulation equipment, be sure to check out our new e-book, “Top Five Considerations for a Spray Foam Equipment Provider.”