Contractor Insurance | General Liability & Workers Comp | CCA

# 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 - [Ari