About Contractors Choice Agency
An insurance agency built by a contractor, for contractors.
From the Jobsite to the Agency
Contractors Choice Agency was founded in 2005 by Josh Cotner, a former contractor who spent years on jobsites before moving into insurance. That background is the difference. Josh understands the difference between a quote that looks cheap and a policy that actually responds when an excavator strikes a buried gas line or a trench wall collapses.
Over 20+ years we have grown into a specialist agency serving contractors across all 50 states, with deep focus on the trades that generic agents get wrong — excavation, trenching, grading, and earthmoving among them. We know the XCU exclusions, the pollution gaps, and the workers-comp class codes that make or break a contractor's program.
Today we run a lean, responsive operation that puts speed and accuracy first: quotes in about 15 minutes, fast certificate turnaround, and a 2-hour claims response guarantee. When something goes wrong on your site, you reach a real person who knows your business.
Our Values
How we approach every excavation contractor's program.
Contractor-First
We were contractors. We structure coverage around jobsite reality, not generic templates.
No Hidden Gaps
We make sure XCU and pollution exposures are affirmatively covered, not quietly excluded.
Fast & Responsive
15-minute quotes, fast certificates, and a 2-hour claims response guarantee.
Specialist Knowledge
20+ years focused exclusively on contractor trades across all 50 states.
Let's Build Your Program
Talk to a specialist who actually understands excavation risk.