About Us
Insurance From People Who Actually Ride
Contractors Choice Agency has been protecting riders, contractors, and businesses across all 50 states since 2005. Founded by Josh Cotner, a former contractor who understands the real risks riders face.
Josh Cotner
Founder & Insurance Specialist
NPN 8608479
From Contractor to Insurance Specialist
Josh Cotner spent years working as a contractor before founding Contractors Choice Agency in 2005. That hands-on experience gave him something most insurance agents lack: real understanding of the risks, equipment, and daily challenges that contractors and tradespeople face on every job.
Over two decades, Josh has built an independent insurance agency that serves clients across all 50 states with a focus on contractor insurance, specialty vehicle coverage, and niche markets that big-box agencies overlook. Dirt bike insurance is a natural extension of that expertise — Josh and his team understand riders because they serve the construction trades where off-road riding is a way of life.
Today, Contractors Choice Agency manages nearly 300 active client relationships with a reputation for fast quotes, honest advice, and claims support that actually answers the phone. The agency is licensed nationally with NPN 8608479 and operates from Chandler, Arizona with additional offices in Phoenix and Miami.
Why Riders Choose Contractors Choice
We are not a faceless call center. We are a local agency that picks up the phone, knows your name, and fights for your claims.
Real People, Real Answers
Call 844-967-5247 and talk to an actual insurance specialist — not an automated system. We answer the phone and we know our stuff.
15-Minute Quote Turnaround
Fill out our form or give us a call. You will have a personalized quote with real numbers in 15 minutes during business hours. No runaround.
Independent Agency
We shop multiple carriers to find the best rate for your situation. We work for you, not for one insurance company. That means better prices and better coverage.
20+ Years of Experience
Founded in 2005 by a former contractor. We understand the trades, the equipment, and the real risks that riders and contractors face every day.
Licensed in All 50 States
No matter where you ride or where your business operates, we can cover you. National licensing means seamless service across state lines.
2-Hour Claims Response
When something goes wrong, speed matters. We guarantee a response to your claim within 2 hours, 24 hours a day, 7 days a week. That is our promise.
Our Offices
Chandler, AZ
12220 E Riggs Rd
Headquarters
Phoenix, AZ
Downtown Phoenix
Regional Office
Miami, FL
Miami Metro Area
East Coast Office
Ready to Work With Us?
Get your free dirt bike insurance quote and experience the Contractors Choice difference. 15 minutes to a personalized quote.