Insurance people who actually know the trade
Contractors Choice Agency was founded in 2005 by Josh Cotner — a former contractor who spent years on jobsites before becoming a licensed insurance specialist. We build insurance programs for the trades, and for the manufacturers who supply them.
Truss manufacturing is one of our specialties because it sits right at the intersection of everything we understand: production equipment, a skilled crew, trucks on the road, and a structural product that has to perform for decades.
20+
Years insuring contractors & manufacturers
50
States licensed to write coverage
15 min
Quote turnaround, on average
2 hr
Claims response guarantee
From the jobsite to the insurance desk
Before Contractors Choice Agency was an agency, Josh Cotner was a contractor. He knows what a gantry saw costs, what a connector plate does, and the exact moment a finished truss stops being "yours" and becomes someone else's problem. That inside credibility is the foundation of how we work.
When he became a licensed insurance specialist — National Producer Number 8608479 — he built the agency around a simple idea: the trades deserve an insurance partner who understands them, not a call center reading from a script. Twenty years later, that's still the standard.
We're a lean operation by design. Running a tight, specialized agency lets us move fast — 15-minute quotes, same-day certificates, a 2-hour claims response — and keep our attention on the clients and niches we know best.
The principles behind every program we build
Trade credibility
Founded by a former contractor who came up on jobsites before becoming a licensed insurance specialist. We speak the language of presses, saws and connector plates.
Specialist, not generalist
We focus on contractor and manufacturer niches. That means accurate quotes, the right carriers, and coverage built for how a truss plant actually runs.
Claims advocacy
When something goes wrong — a product failure, a press breakdown, a road incident — we bring the resources to fight for you, not just a phone tree.
Two decades of trust
20+ years insuring contractors and manufacturers, with a 2-hour claims response guarantee and 15-minute quote turnaround.
A trade that rewards a specialist
Truss manufacturing is one of the hardest operations to insure well — and one of the most expensive to insure badly. The product carries real load. The equipment is specialized and costly. The trucks are oversized. And a single misread of the products hazard can leave a plant exposed to a company-ending claim.
- We know the difference between contractor GL and real products liability for a manufacturer.
- We understand equipment breakdown because we understand what a press failure actually costs.
- We structure cargo and auto for oversized truss loads, not generic freight.
- We treat claims as advocacy, not as a handoff to a 1-800 number.
Let's build your program.
Tell us about your plant. We'll translate how you actually run into the right coverage — fast.
Licensed in all 50 states · 2-hour claims response · 15-minute quote turnaround