Insurance Built by Contractors, for Contractors
Storm Restoration Insurance is a specialty program of Contractors Choice Agency, founded by Josh Cotner — a former contractor who got tired of watching agents misunderstand the trades. For 20+ years we've specialized in the businesses everyone else declines.
From the Roof to the Risk
Josh Cotner started in the trades, not in insurance. He knew the frustration of being treated like a high-risk afterthought — buried in exclusions, surcharged for the work, and left without a real partner when a claim hit.
So he built the agency he wished he'd had. Today, Contractors Choice Agency protects 298+ contractors across the country, with deep specialization in storm restoration, hail, and multi-state roofing. We know NCCI 5551, we know what your contracts require, and we know how to keep coverage compliant as your crews chase storms from state to state.
We're a lean, responsive team — which means when you call, you reach people who know your account and move fast. That's the difference between an agency and a partner.
Years Specializing in the Trades
Contractors Protected
States Licensed
Claims Response Guarantee
Our Values
Contractor-First
Our founder ran a contracting business before insurance. We speak your language and understand your day.
A-Rated Only
We place business exclusively with financially strong carriers that actually pay restoration claims.
Multi-State Expertise
Storm work crosses state lines. We structure coverage that follows your crews wherever the weather goes.
Fast & Responsive
15-minute quotes, same-day COIs, and a guaranteed 2-hour claims response. We move at the speed of your business.
Get Your Free Storm Insurance Quote Today
15-minute quotes. A-rated carriers. Coverage that follows your crews across every state line.