Built by a contractor, for framers.
Framing Contractor Insurance is the trades-focused division of Contractors Choice Agency — founded in 2005 by Josh Cotner, a former contractor who knows exactly what happens when a height exclusion shows up in a fall-claim denial.
- Licensed in all 50 states
- Founded 2005 — 20+ years
- Contractor specialist agents
- 15-minute quote turnaround
- Same-day claims response
- A.M. Best A+ carrier partners
From the jobsite to the agency.
Josh Cotner swung a hammer, read plans, and pulled permits before founding CCA in 2005. That background is why we understand what’s at stake when a framer falls and the carrier cites a height exclusion — or when a lumber package walks off the site overnight.
Contractors Choice Agency founded
Josh Cotner opens CCA in Chandler, AZ, after years working in the trades — built to insure contractors the right way.
Expanded to specialty trades markets
After placing programs for dozens of contractor categories, CCA deepens its focus on framing and rough-carpentry crews with unique risk profiles.
Dedicated framing contractor division
Framing Contractor Insurance focuses CCA's expertise on framers — crews where falls, nail-gun injuries, and jobsite theft are the real risks.
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Contractors insured nationwide
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Years placing contractor programs
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Average quote turnaround
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States licensed & writing
Four things we won’t compromise on.
Trades-first, always
Josh spent years in the trades before starting the agency. We speak the language of framing because we know what happens when coverage fails at claim time.
Coverage that closes the gaps
Height exclusions, stolen tools, and jobsite lumber theft — we address the exposures standard markets miss or exclude.
A-rated markets only
We shop carriers with the financial strength and trades experience to be there when a fall or fire claim 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 crew actually requires.
Ready to protect your framing operation?
Get a 15-minute quote from specialists who understand framing — GL, workers' comp, builder's risk, tools, and auto.