Built by people who understand the trades, for residential remodeling contractors.
Residential Remodeling Insurance is the remodeling-focused division of Contractors Choice Agency — founded in 2005 by Josh Cotner, who knows exactly what happens when a completed-operations exclusion or a pollution carve-out shows up in a claim denial.
- Licensed in all 50 states
- Founded 2005 — 20+ years
- Remodeling-specialist agents
- 15-minute quote turnaround
- Same-day claims response
- A.M. Best A+ carrier partners
From the jobsite to the agency.
Josh Cotner worked in the trades, read contracts, and filed certificates before founding CCA in 2005. That background is why we understand what's at stake when a completed-operations defect claim arrives or a CPL exclusion denies a lead-paint exposure case.
Contractors Choice Agency founded
Josh Cotner opens CCA in Chandler, AZ, after years working in the trades — built to insure contractors and operators the right way.
Expanded to specialty contractor markets
After placing programs for dozens of contractor categories, CCA develops deep expertise in residential remodeling — a segment with unique completed-ops and CPL exposure.
Dedicated remodeling division
Residential Remodeling Insurance focuses CCA's expertise on residential remodeling contractors — where completed operations, CPL, workers' comp, and tools coverage are the real risks.
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Remodeling contractors insured nationwide
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Years insuring trade contractors
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Average quote turnaround
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States licensed & writing
Four things we won't compromise on.
Contractor-first, always
Josh spent years in the trades before starting the agency. We speak the language of residential remodeling because we know what happens when coverage fails at claim time.
Coverage that closes the gaps
Completed-operations tail, CPL for lead and asbestos, tools theft on jobsites — we address the risks standard markets miss.
A-rated markets only
We shop carriers with the financial strength and contractor experience to be there when a completed-ops claim, a lead-exposure lawsuit, or a tool theft hits.
Honest, no-pressure advice
If you don't need a line of coverage, we'll tell you. We earn trust by being straight about what your remodeling business actually requires.
Ready to protect your remodeling business?
Get a 15-minute quote from specialists who understand residential remodeling — completed operations, CPL for lead and asbestos, workers' comp for your crews, and tools coverage for your jobsites.