Product Use & Colorant Insurance Guide
Color Glo's restoration work depends on proprietary colorants, restoration products, cleaning agents, adhesives, and specialty materials. This guide explains how product use creates coverage considerations across the franchise insurance program — from jobsite application to inventory storage.
Franchise Reality
Key Exposures & Risks
Product Application at Customer Locations
Every jobsite application of colorants, adhesives, or restoration materials creates potential for property damage claims. A spill, overspray, or misapplication can damage flooring, adjacent surfaces, vehicles, or customer property. General liability's products coverage addresses claims arising from the application of restoration materials.
Completed Work Claims Involving Products
Customers may allege that a restored surface failed after work was completed — cracking, peeling, discoloring, or reacting adversely. Completed operations coverage within general liability applies to these post-service claims tied to product application.
Product Inventory at Storage Locations
Color Glo franchisees maintain stock of colorants, restoration products, adhesives, and cleaning supplies at home offices, garages, storage units, or small shops. Fire, theft, or storm damage to that inventory is a property coverage claim — not a general liability matter.
Products Transported Between Jobs
Colorants and restoration supplies carried in the service vehicle between jobs are covered by Equipment / Inland Marine for theft from the vehicle or damage in transit. Products stored at a fixed location are covered by Property coverage. The distinction matters when a claim occurs.
Employee Exposure to Products
Technicians who regularly handle colorants, adhesives, and cleaning agents may develop exposure-related health issues over time. Workers' compensation covers employee health claims arising from product handling in the course of employment.
Disclosure of Product Use to Carriers
Color Glo franchisees should disclose the types of products they use — colorants, adhesives, solvents, and cleaning agents — when applying for coverage. Carriers underwriting restoration operations will want to understand the product profile. Even though Color Glo products are typically water-based, non-flammable, and low-odor, proper disclosure protects the franchisee at claim time.
Protection Strategy
Coverage Built for This Operation
General Liability
Products liability and completed operations coverage for claims arising from colorant and product application.
Property Insurance
Coverage for product inventory and colorant stock stored at a fixed location.
Equipment / Inland Marine
Coverage for colorants and restoration supplies transported in the service vehicle between jobs.
Workers' Compensation
Employee injury coverage including product handling and exposure-related health claims.
Commercial Auto
Coverage for vehicles used to transport restoration products and colorants to jobsites.
Does your insurance understand your restoration operations?
The Southern Agency reviews your current coverage and aligns it with the real-world exposures of running a Color Glo International mobile restoration franchise.
