Protection built for spray-foam, batt, blown-in insulation, and industrial coating professionals covering the jobsite, your team, your tools, and your locations across the Southeast.
From residential attics to large commercial projects and industrial coating jobs, insulation and coating work brings unique hazards — chemical exposure, overspray/coating drift, confined spaces, ladders, and more. At HM Advisors, we help contractors across Georgia and South Carolina, with coverage available across the Southeast, secure insurance that fits how they actually work.
Why Contractors Choose HM Advisors
Industry Knowledge: We understand the difference between spray-foam, fiberglass, cellulose, mechanical insulation operations, and industrial coating applications — each has its own coverage demands.
Fast Certificates: Same-day COIs with Additional Insured, Waiver of Subrogation, and Primary wording as required by GCs.
Contract Review: We review your job contracts to ensure your coverage meets requirements without unnecessary cost or risky exclusions.
Dedicated Claims Support: Guidance through every step, from equipment damage to jobsite injuries.
Flexible Growth Options: Coverage that scales with your crew, vehicles, and project size.
Essential Coverages for Insulation & Coating Contractors
General Liability
Covers third-party injuries and property damage. Overspray / coating-drift can be included as an optional coverage depending on your operations and policy design.
Contractors Pollution Liability (CPL)
Protects against claims tied to airborne chemicals, fumes, coating drift or overspray, and similar exposures, especially important for spray-foam installers and industrial coating contractors.
Workers’ Compensation
Protects your crew from injuries like ladder falls, heat exposure, or chemical splash. We ensure your class codes (insulation work, clerical, drivers, coating application) are correct to avoid audit issues.
Commercial Auto
Covers work vans, trucks, and trailers used to haul crews, insulation rigs, spray rigs, and coating equipment. Includes liability, physical damage, and hired/non-owned options.
Inland Marine (Tools & Equipment)
Covers spray-foam rigs, compressors, hoses, insulation blowers, and coating equipment — both in transit and onsite.
Property & Business Income
Covers your shop, warehouse, or office. Business income coverage replaces lost revenue if a covered loss shuts down your operations.
Umbrella / Excess Liability
Additional protection required by many GCs and municipalities, typically in limits of $1M–$10M.
Cyber Liability
Protects your business from data breaches, ransomware, or software vulnerabilities in job-tracking or payment platforms.
Who We Insure
- Spray-foam insulation contractors
- Fiberglass and cellulose insulation installers
- Mechanical and HVAC insulation specialists
- Weatherization and energy-efficiency contractors
- Industrial coating contractors
What We Need for a Fast Quote
- Legal business name and years in business
- Details of your operations (spray foam, batt, blown-in, mechanical insulation, coating)
- Payroll and sales estimates
- List of vehicles and driver information
- Equipment values (rigs, blowers, compressors, coating tools)
- 3–5 years of loss runs (if available)
- Contract requirements such as Additional Insured or umbrella limits
Serving Insulation & Industrial Coating Contractors Across the Southeast
With physical locations in both Georgia and South Carolina, we support insulation and coating contractors throughout the Southeast, from small residential projects to large commercial and industrial jobs.
FAQs
Do I need Pollution Liability if I only install fiberglass?
Not always, but many GCs require it. We’ll review your project scope and advise whether it’s necessary.
Does General Liability cover overspray or coating drift?
Not always. Overspray/coating drift is available as an optional coverage or can be written under a Pollution Liability policy.
What limits should I carry?
Most contractors carry $1M/$2M GL, $1M Auto, and $1M–$5M Umbrella. We tailor limits to your bids.
Can you insure my rig or coating equipment?
Yes — through an Inland Marine policy that protects equipment and rigs onsite and in transit.
How fast can I get a COI?
Same-day in most cases. For new clients, we typically quote and bind within 24–48 hours once we have required details.
Get a Quote for Insulation & Industrial Coating Contractor Insurance
Let’s make sure you’re protected and ready for your next bid.
Phone: 478-922-8531
Start Your Quote: https://www.hm-advisors.com/quotes/
Email: info@hm-advisors.com
Offices: Georgia & South Carolina — Serving the Southeast