# Contractor's Choice Agency

> Specialized insurance for construction contractors across 48 US states. Expert coverage for high-risk trades including roofing, spray foam, HVAC, plumbing, and electrical.

Founded in 2005 by licensed contractor Josh Cotner, Contractor's Choice Agency provides tailored insurance solutions for construction contractors who face unique risks. We understand trade-specific challenges and offer comprehensive policies including workers compensation, general liability, commercial auto, and specialized coverage for over 20 niche construction trades.

Licensed in 48 states with expertise in contractor licensing requirements, insurance bonds, and regulatory compliance. We specialize in hard-to-place contractors and high-risk trades that standard carriers often decline. National Producer Number: 8608479.

## Core Insurance Products

- [Workers Compensation](https://contractorschoiceagency.com/workers-compensation): State-mandated employee injury coverage, ghost policies for owner-only operations, pay-as-you-go options
- [General Liability Insurance](https://contractorschoiceagency.com/services/general-liability): Third-party property damage and bodily injury protection, completed operations coverage, $50K-$5M limits
- [Commercial Auto Insurance](https://contractorschoiceagency.com/services/commercial-auto): Work truck and equipment coverage, fleet policies, hired and non-owned auto protection
- [Builders Risk Insurance](https://contractorschoiceagency.com/services/builders-risk): Project-specific coverage for construction in progress, theft, fire, and weather protection
- [Professional Liability](https://contractorschoiceagency.com/services/professional-liability): Errors and omissions coverage for design professionals, architects, and engineers
- [Contractor Bonds](https://contractorschoiceagency.com/services/contractor-bonds): License bonds, bid bonds, performance bonds, and payment bonds for municipal projects

## State-Specific Guides

- [Arizona Contractor Insurance](https://contractorschoiceagency.com/states/arizona-contractor-insurance): ROC licensing requirements, bonding obligations, and state-specific coverage
- [California Contractor Insurance](https://contractorschoiceagency.com/states/california-contractor-insurance): CSLB licensing, workers comp mandates, and contractor compliance
- [Texas Contractor Insurance](https://contractorschoiceagency.com/states/texas-contractor-insurance): TDLR licensing guide, bonding requirements, and coverage recommendations
- [Florida Contractor Insurance](https://contractorschoiceagency.com/states/florida-contractor-insurance): DBPR licensing, hurricane coverage, and comprehensive compliance guide
- [Pennsylvania Contractor Insurance](https://contractorschoiceagency.com/states/pennsylvania-contractor-insurance): HIC registration, $20K bond requirements, and state licensing details
- [New York Contractor Insurance](https://contractorschoiceagency.com/states/new-york-insurance): NYC requirements, scaffold law considerations, and state compliance
- [Michigan Contractor Insurance](https://contractorschoiceagency.com/states/michigan-contractor-insurance): State licensing, compliance guidance, and coverage recommendations
- [Utah Contractor Insurance](https://contractorschoiceagency.com/states/utah-contractor-insurance): DOPL licensing, trade-specific requirements, and specialty coverage
- [Georgia Contractor Insurance](https://contractorschoiceagency.com/states/georgia-contractor-insurance): State licensing board requirements and coverage options
- [Washington Contractor Insurance](https://contractorschoiceagency.com/states/washington-contractor-insurance): L&I requirements, contractor licensing, and state compliance
- [All 48 States](https://contractorschoiceagency.com/coverage-areas): Interactive state map and comprehensive licensing guides for all licensed states

## Specialized Trade Coverage

- [Roofing Contractors](https://contractorschoiceagency.com/services/niche-trades/roofing-contractors): Slip-and-fall liability, property damage protection, equipment insurance for commercial and residential roofers
- [HVAC Contractors](https://contractorschoiceagency.com/services/niche-trades/hvac-contractors): Equipment coverage, pollution liability, indoor air quality claims protection
- [Spray Foam Insulation](https://contractorschoiceagency.com/services/niche-trades/insulation-contractors): Specialized pollution liability, application error coverage, and chemical exposure protection
- [Plumbing Contractors](https://contractorschoiceagency.com/services/niche-trades/plumbing-contractors): Water damage coverage, tools and equipment protection, underground work liability
- [Electrical Contractors](https://contractorschoiceagency.com/services/niche-trades/electrical-contractors): Professional liability, equipment breakdown coverage, code violation protection
- [Pool Builders](https://contractorschoiceagency.com/services/niche-trades/pool-builders): Aquatic construction liability, completed operations coverage, warranty protection
- [Drywall Contractors](https://contractorschoiceagency.com/services/niche-trades/drywall-contractors): Interior construction coverage, material damage protection
- [Waterproofing Specialists](https://contractorschoiceagency.com/services/niche-trades/waterproofing): Moisture damage liability, warranty claims coverage, chemical application protection
- [Crane Operators](https://contractorschoiceagency.com/services/niche-trades/crane-operators): Heavy equipment liability, operator coverage, rigging protection
- [Scaffolding Contractors](https://contractorschoiceagency.com/services/niche-trades/scaffolding-contractors): Fall protection liability, equipment coverage, erection and dismantling coverage
- [All Niche Trades](https://contractorschoiceagency.com/services/niche-trades): 20+ specialized contractor categories with trade-specific coverage

## Educational Resources

- [Ghost Policy Workers Comp Guide](https://contractorschoiceagency.com/blog/ghost-policy-workers-comp): Complete guide to workers compensation for owner-only contractors and legitimate ghost policy providers
- [Certificate of Insurance Mistakes](https://contractorschoiceagency.com/blog/coi-mistakes-that-cost-contractors-25000-avoid-these-7-deadly-errors): Seven deadly COI errors that cost contractors $25,000+ and how to avoid them
- [Contractor Insurance Claims Management](https://contractorschoiceagency.com/blog/contractor-insurance-claim-management-guide): Step-by-step claims filing process and best practices
- [California Roofer GL Requirements](https://contractorschoiceagency.com/blog/california-roofer-general-liability-insurance-requirements): CSLB-compliant general liability coverage for California roofing contractors
- [Bid Bond vs Performance Bond](https://contractorschoiceagency.com/blog/bid-bond-vs-performance-bond-municipal-projects): Understanding municipal project bonding requirements
- [Commercial Auto Hidden Costs](https://contractorschoiceagency.com/blog/common-hidden-costs-in-commercial-auto-insurance): Understanding comprehensive contractor auto coverage and hidden policy costs
- [Insurance Blog](https://contractorschoiceagency.com/blog): 60+ comprehensive articles on contractor insurance, state compliance, and industry best practices

## Company Information

- [About Josh Cotner](https://contractorschoiceagency.com/about/josh-cotner): Founder with 20+ years contractor insurance expertise, licensed contractor background
- [About Contractor's Choice Agency](https://contractorschoiceagency.com/about): Founded 2005, licensed in 48 states, specializing in hard-to-place contractors
- [Office Locations](https://contractorschoiceagency.com/locations): Chandler AZ (12220 E Riggs Rd) and Phoenix AZ (4435 E Chandler Blvd) offices
- [Get a Quote](https://contractorschoiceagency.com/contact/get-a-quote): Free insurance quotes tailored to your trade and state requirements
- [Contact Us](https://contractorschoiceagency.com/contact): Phone 844-967-5247, email info@contractorschoiceagency.com, 24/7 service

## Client Resources

- [Report a Claim](https://contractorschoiceagency.com/report-claim): 24/7 claims reporting and support for all coverage types
- [Client Portal](https://contractorschoiceagency.com/client-portal): Access policies, download certificates of insurance, manage account
- [Contractor Safety Program](https://contractorschoiceagency.com/resources/contractor-safety-program): OSHA compliance checklists and risk reduction strategies
- [Claims Management Checklist](https://contractorschoiceagency.com/resources/claim-management-checklist): Step-by-step claims documentation and filing procedures
- [State Compliance Guides](https://contractorschoiceagency.com/resources): Florida, Michigan, New York, Pennsylvania, and Utah regulatory compliance resources
- [FAQ](https://contractorschoiceagency.com/faq): Common questions about contractor insurance, coverage types, costs, and state requirements

## Optional

- [Privacy Policy](https://contractorschoiceagency.com/privacy-policy): Data protection and privacy practices
- [Terms of Use](https://contractorschoiceagency.com/terms-of-use): Website terms and conditions
- [Informational Videos](https://contractorschoiceagency.com/resources/informational-videos): Insurance education video library
- [Texas Contractor Walkthrough](https://contractorschoiceagency.com/tools/texas-contractor-walkthrough): Interactive guide to Texas contractor licensing and insurance requirements
- [Work Comp Exemption Forms](https://contractorschoiceagency.com/resources/work-comp-exemption-forms): State-specific workers compensation exemption documentation
- [Profit and Loss Audit](https://contractorschoiceagency.com/resources/profit-and-loss-audit): Workers comp audit preparation and financial documentation