About Contractors Choice Agency

Our Focus: Contractor Insurance, Period

Contractors Choice Agency was founded by Josh Cotner with one principle: focus exclusively on the contractor space. No personal lines. No life insurance. No commercial real estate. Just contractors — and within that, a deep specialization in trades like excavation, site prep, underground utility, and related earthmoving work.

That focus means we know the class codes, the exclusions that matter (like the X exclusion for underground work), the carriers that specialize in heavy equipment, and the endorsements that fill the gaps a generalist agent will miss.