Dampproofing insurance that protects the crew, the equipment, and the operation.

It depends on annual revenue, crew size, type of waterproofing work (exterior, interior, crawl space, commercial), chemical products used, equipment value, and loss history. We quote your actual operation in about 15 minutes — never a generic estimate.

Standard GL policies contain a pollution exclusion that removes coverage for chemical exposure claims. Dampproofing and waterproofing work often involves solvent-based membranes, coal tar pitch, crystalline waterproofing chemicals, and VOC-emitting products — all of which trigger that exclusion. Contractor pollution liability (CPL) covers bodily injury, property damage, and cleanup costs that standard GL won't.

Solvent-based bituminous membranes, coal tar pitch, asphalt-modified polyurethane membranes, crystalline waterproofing admixtures, VOC-containing surface sealers, and some spray-applied moisture barriers can all trigger a standard GL pollution exclusion. A CPL policy covers these products.

It can, but the products-completed operations coverage in a standard GL policy may have sublimits or exclusions that leave you exposed when a customer claims a failed waterproofing system caused water damage or mold years after the job. We structure completed-operations coverage with appropriate limits and tails.

Confined space entry in crawl spaces is the highest-hazard activity — atmospheric hazards, physical strain, and limited egress create serious injury risk. Excavation cave-in, chemical exposure from solvents and membranes, fall from grade during exterior work, and heavy equipment operation round out the major hazard categories.

Dampproofing and waterproofing labor falls under specific class codes that vary by state — typically codes covering waterproofing, excavation, masonry waterproofing, and crawl space work. Correct class codes matter: wrong codes mean overpayment or undercoverage at audit. We assign codes to your actual crew roles.

Standard commercial auto covers the vehicle itself. If you haul hazardous chemicals — solvent-based products, coal tar, or other regulated materials — you may need additional cargo/hazmat endorsements. We structure auto coverage to match what you actually transport.

Inland marine protects your waterproofing equipment, tools, drainage materials, and chemical products while they're in transit between jobs or staged at a site where your property policy doesn't reach. It's especially important for contractors running multiple crews across multiple active job sites.

Exterior waterproofing typically involves excavation around the foundation, which adds excavation damage liability and potential for third-party property damage. Interior systems (drain tile, sump pumps) carry completed-operations exposure if the system fails later. Both need proper GL and completed-operations coverage — but the risk profile differs and should be reflected in your program.

Yes — GL and completed-operations coverage should cover drain tile, French drain, and interior/exterior drainage system installation. The key is ensuring your policy doesn't exclude underground work or waterproofing operations specifically. We verify the policy language covers your actual scope of work.

Bentonite clay waterproofing is a natural, non-solvent-based method for dampproofing foundations and can actually be easier to insure than solvent-based systems because it doesn't trigger pollution exclusions as readily. However, if a bentonite application fails and causes water intrusion, GL and completed-operations coverage still needs to respond — which it will under a properly structured policy.

Crystalline waterproofing uses chemical admixtures that react with concrete to form crystals and block water. The chemicals involved are generally lower-hazard than solvent-based systems, but a completed-operations exposure still exists if the treatment fails years later. Standard GL with proper completed-operations coverage handles most crystalline waterproofing work.

Mold and efflorescence are common warranty and completed-operations triggers for dampproofing contractors. If a customer discovers mold or mineral deposits after a waterproofing job and claims the work was defective, your GL and completed-operations coverage needs to respond. We structure policies with explicit completed-operations coverage and adequate limits for these long-tail claims.

Yes — Contractors Choice Agency places contractor license bonds and surety bonds for dampproofing and waterproofing contractors in all 50 states. Requirements vary by state and municipality. We get you bonded quickly so you can bid work and stay licensed.

Yes. A commercial umbrella provides excess limits above your GL, auto, and employers' liability. For dampproofing contractors, a $1M or $2M umbrella above a $1M GL is common, especially for commercial projects where contract requirements often demand higher combined limits.

Yes. Contractors Choice Agency is licensed in all 50 states and has markets for dampproofing and waterproofing contractors whether your operation is in Texas, Ohio, New York, Florida, California, or anywhere in between.

Typically 15 minutes on a call. For larger commercial operations or contractors with significant pollution exposure we may need a day to involve the right markets, but we move fast and tell you the timeline up front.

Often yes. We have admitted and E&S markets for dampproofing contractors declined over chemical product use, prior pollution claims, crawl space operations, or other issues that standard carriers won't write. Bring us what you have and we'll find a path.

Usually yes. Bundling GL, contractor pollution liability, workers' comp, auto, tools and equipment, and umbrella into one coordinated program closes gaps between policies and is almost always cheaper and cleaner than separate policies from separate carriers.