About Contractors Choice Agency
We're not a big-box insurance broker. We're a specialized agency built by a former contractor who understands exactly what it takes to run a C10 electrical business in California.
Built by a Contractor, for Contractors
Before founding Contractors Choice Agency in 2005, Josh Cotner worked as a contractor. He knew the work, the risks, and the frustration of dealing with insurance brokers who didn't understand what life on a job site actually looked like.
Most brokers treat electrical contractors like any other small business. They plug your revenue into a rate table and hand you a generic policy. That might work for a bakery — but it doesn't work for a C10 contractor doing commercial panel work at a $2 million industrial facility.
Josh built CCA differently. We've spent 20 years developing deep relationships with A+ rated carriers who specialize in contractor coverage. We understand the CSLB requirements, the California workers comp system, and the specific exposures that come with electrical work.
The result: our C10 electrical contractor clients get better coverage, at better rates, with an agent who actually speaks their language.
Josh Cotner
Founder & Lead Insurance Specialist
NPN: 8608479 | Licensed All 50 States
“I spent years as a contractor before getting into insurance. I know what it's like to need a certificate of insurance by 7am or you can't get on a job site. That's why we're available when you need us, not just during banker's hours.”
How We're Different
What sets Contractors Choice Agency apart from every other broker offering contractor insurance.
Contractor-First
Josh started Contractors Choice Agency because he saw how poorly most brokers understood contractor needs. Every policy we write starts with understanding what you actually do on the job site.
Specialized Expertise
We don't try to be everything to everyone. Our deep focus on contractor insurance — and specifically electrical contractors in California — means better coverage and better rates than generalist brokers.
Personal Service
You talk to a real specialist who knows C10 insurance, not a call center. When you have a claim at 10pm, a real person answers. That's the Contractors Choice Agency difference.
Our History
Two decades of protecting California contractors.
Contractors Choice Agency founded in Arizona by Josh Cotner
Expanded focus to specialty contractor trades across California
Became one of the first agencies to specialize in C10 electrical contractor coverage
Achieved licensure in all 50 states — serving contractors nationwide
Launched 24/7 claims response program with 2-hour guarantee
Now protecting hundreds of California electrical contractors annually
Our Commitment to California C10 Contractors
We stay current on California CSLB requirements and license bond amounts
We know California workers comp class codes for electrical trades
We work with carriers who specialize in California contractor risk
We issue certificates of insurance same-day in most cases
We provide 24/7 claims support with a 2-hour response guarantee
We offer competitive rates by bundling coverages under one policy
We speak your language — no insurance jargon, just clear answers
We review your coverage annually to ensure it matches your business growth
Ready to Get Started?
Experience the Contractors Choice Agency difference. Get a custom C10 insurance quote in 15 minutes.