Contractors Choice Agency was built from the ground up to serve one niche — construction contractors who need real pollution liability protection, not a checkbox policy that voids when you need it most.
Josh Cotner founded Contractors Choice Agency after watching too many contractors get blindsided. They carried general liability insurance. They believed they were covered. Then a pollution incident hit — a fuel spill, disturbed underground contaminants, off-site dust migration — and the GL carrier denied the claim on page one of the exclusions section.
Most insurance brokers treat contractor's pollution liability as a specialty they don't understand and can't properly place. They'll write a policy that sounds right, collect a premium, and leave a contractor exposed to six- or seven-figure cleanup costs and regulatory fines they never saw coming.
"Josh built relationships with every major environmental liability carrier — admitted and excess & surplus — so we can place any risk, any trade, any project size."
Contractors Choice Agency focuses exclusively on contractor-facing insurance: general liability, workers' compensation, contractor's pollution liability, inland marine equipment coverage, and surety bonds. That narrow focus means deeper carrier relationships, faster quotes, and coverage language that actually holds up at claim time.
The agency writes contractors in all 50 states, from sole-proprietor excavators and underground utility crews to large general contractors managing multi-site federal remediation projects. If it's contractor insurance, we live it.
Standard GL policies contain broad pollution exclusions that eliminate coverage for the exact incidents most likely to happen on construction jobsites.
The gap between GL and CPL is where contractor bankruptcies happen. Don't find out at claim time.
Get a CPL Quote — Same DayJosh has spent 25+ years placing contractor insurance with a specialty focus on environmental and pollution liability risks. He started his career in the construction insurance space at a time when most brokers treated CPL as an afterthought — a line item on a coverage checklist that nobody explained and few could actually place correctly.
Over two and a half decades, Josh built direct relationships with underwriters at every major environmental liability carrier in the admitted and E&S market. That access matters: most retailers go through a wholesaler who goes through another wholesaler before reaching the market. Josh's relationships mean faster turnarounds, better pricing, and the ability to advocate directly when a claim arises.
Based in Chandler, Arizona, Josh holds an active Arizona Department of Insurance license and writes coverage for contractors in all 50 states. His specialty is hard-to-place environmental risks — the contractors with prior claims, complex project types, or exposures that standard markets decline outright.
When you call Contractors Choice Agency, you're talking to Josh. There's no call center, no junior producer, no handoff after the sale. One expert, direct access, the whole time.
We built our process around the reality of how contractors buy insurance — fast, straightforward, and without unnecessary back-and-forth.
Fill out the short form below or call 844-967-5247. We need your trade, revenue, states of operation, and project types. Five minutes of information gets you a quote.
Josh reviews your submission and takes it directly to the right carriers for your risk profile. No wholesaler middlemen. We know which markets want which risks and we go there first.
Most quotes are returned same day. We walk you through the options — limits, deductibles, coverage triggers, exclusions — so you understand exactly what you're buying before you sign anything.
Once you approve, we bind coverage and issue certificates of insurance immediately. If your GC or project owner needs an additional insured endorsement or special certificate language, we handle it fast.
Submit your information and Josh will get back to you with quote options — typically within the same business day. No obligation, no pressure, no handoffs to junior staff.