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Expert coverage solutions for specialized contractors. From roofing and insulation to crane operations and barndominiums, we understand your unique risks and insurance needs.
Generic insurance agents don't understand your specialized trade. We do. Here's what makes us different:
We work exclusively with contractors and understand the nuances of specialized trades. Our agents know the difference between spray foam insulation risks and fiberglass installation exposures.
Off-the-shelf policies leave coverage gaps. We build custom insurance programs with specialized endorsements tailored to your specific operations and equipment.
Our relationships with specialty underwriters who understand your trade result in more competitive pricing than general market carriers who view your work as "high risk."
We ask the right questions about your operations to ensure accurate underwriting. No surprises at audit time, and no coverage denials because your agent didn't understand your work.
When claims happen, we advocate for you with technical knowledge of your trade. We speak the language of your industry and can explain complex operations to adjusters.
Work across state lines? We're licensed in all 50 states and understand state-specific requirements for specialized contractors. One agent, nationwide coverage.
We provide expert insurance solutions for contractors in specialized trades that general agencies struggle to understand and place.
Specialized coverage for residential and commercial roofing operations including tear-offs, steep slope work, and roof system installations. We understand fall protection requirements, material liability, and completed operations exposures unique to roofing.
Coverage tailored for spray foam, fiberglass, cellulose, and specialty insulation installers. We address the unique risks of chemical applications, confined space work, and energy efficiency performance guarantees.
Insurance solutions for power washing, soft washing, and exterior cleaning businesses. Coverage includes chemical liability, property damage from high-pressure operations, and environmental cleanup exposures.
Specialized coverage for drywall installation, taping, finishing, and texturing contractors. We understand dust control requirements, material storage, and completed operations risks specific to interior finishing work.
Unique coverage for contractors specializing in barndominium construction, combining residential building with agricultural structures. We bridge the gap between traditional home building and pole barn construction insurance needs.
Comprehensive coverage for mobile crane operators, tower crane services, and rigging contractors. Specialized policies address equipment values, third-party property damage, and catastrophic liability exposures.
Specialized insurance for scaffold erection, rental, and inspection services. Coverage includes professional liability for engineering, equipment liability, and fall protection system failures.
Coverage for concrete sawing, wall sawing, core drilling, and concrete removal specialists. Policies address dust control, structural damage risks, and specialized equipment values.
Insurance solutions for foundation waterproofing, below-grade moisture protection, and commercial waterproofing membrane systems. Coverage includes warranty work, material failure, and water intrusion liability.
Comprehensive coverage for asbestos removal, encapsulation, and hazardous material abatement contractors. Policies include pollution liability, regulatory compliance coverage, and long-tail health claim protection.
Coverage for swimming pool construction, spa installation, and aquatic facility builders. Insurance addresses excavation risks, water feature liability, and long-term structural warranty exposures.
Specialized coverage for geothermal heating and cooling system installers. Policies address drilling operations, underground loop failures, and energy efficiency performance claims.
Insurance for exterior insulation finishing systems and traditional stucco contractors. Coverage includes moisture intrusion liability, system failure claims, and long-tail warranty exposures.
Coverage for horizontal directional drilling, pipe bursting, and trenchless utility installation. Specialized policies address underground operations, utility damage, and surface restoration requirements.
Specialized insurance for lightning rod and protection system installers. Coverage includes professional design liability, installation errors, and system performance guarantee exposures.
Coverage for building relocation, house lifting, and structural moving contractors. Policies address catastrophic property damage, transportation exposures, and specialized equipment values.
Specialized coverage for earthquake retrofitting and seismic upgrade contractors. Insurance addresses structural modification liability, engineering coordination, and performance guarantee exposures.
Insurance for acoustic treatment, sound isolation, and noise control contractors. Coverage includes performance specification guarantees, material installation errors, and noise reduction claims.
Specialized coverage for fireproofing spray application and firestopping contractors. Policies address code compliance, fire rating performance, and life safety system liability.
Coverage for industrial coatings, protective linings, and specialty surface treatment contractors. Insurance addresses chemical application, surface preparation, and coating performance warranty exposures.
Comprehensive insurance for heating, ventilation, and air conditioning contractors. Coverage includes installation errors, refrigerant liability, ductwork design, and equipment warranty exposures.
Comprehensive coverage for residential and commercial plumbing contractors. Insurance addresses water damage liability, code compliance, underground piping, and fixture installation exposures.
Specialized agencies understand the unique risks, regulatory requirements, and coverage needs specific to your trade. We work with underwriters who are familiar with your industry, resulting in better coverage options, more accurate pricing, and fewer coverage gaps compared to general insurance agents who may not understand your specific exposures.
Niche trade insurance often requires specialized endorsements, higher liability limits for specific operations, unique equipment coverage, and industry-specific risk management. For example, crane operators need coverage for rigging operations and load shifts, while barndominium builders need coverage that bridges residential and agricultural construction exposures.
Yes! We work with specialty markets and surplus lines carriers that specifically underwrite hard-to-place trades. Our experience includes roofing, demolition, high-rise work, crane operations, and other trades that standard carriers often decline or price prohibitively.
Yes, Contractor's Choice Agency is licensed in all 50 states. We can provide coverage for niche trades nationwide and understand state-specific requirements for specialized contractors.
Our agents are trained in specialty construction trades and understand the nuances of your operations. We ask the right questions about your specific work, equipment, and exposures to ensure accurate pricing and proper coverage. This prevents surprises at audit time and ensures you have the protection you actually need.
Most niche trade quotes can be provided within 24-48 hours, with some standard trades quoted same-day. Complex operations or higher-risk trades may require additional underwriting time, but we work efficiently to get you covered quickly without sacrificing coverage quality.
Don't settle for generic insurance. Work with specialists who understand your unique risks and coverage needs.