Contractor insurance — Pacific West

Yes. State contractor licensing boards set minimum insurance requirements that vary by trade, revenue, and project type. We account for your state's specific requirements when structuring your program.

Yes. We routinely issue additional-insured endorsements, waivers of subrogation, and primary/non-contributory language that local GCs and developers require before you start work.

Wind, named-storm, hail, wildfire, and freeze exposures vary by region and affect pricing for commercial auto and property coverage. We shop markets that write your region and structure deductibles appropriately.

Yes. Because we're licensed nationwide, a single program can follow your crews across state lines — GL, workers' comp, commercial auto, and tools coverage coordinated without gaps.

Yes. We supply certificates of insurance, license bonds, and additional-insured endorsements that local building departments, GCs, and developers require — turned around quickly.

We cover all contractor trades — general contractors, electrical, plumbing, HVAC, roofing, concrete, masonry, landscaping, specialty trades, and more. If it's a contractor license, we likely have a market for it.

Typically 15 minutes for a standard program. Once bound, we issue certificates and endorsements usually within the same day.

Cost depends on trade, revenue, payroll, crew size, and loss history. We quote your actual operation in about 15 minutes — never a generic ballpark from a standard commercial form.

Yes. Contractors Choice Agency is licensed in all 50 states and writes contractor programs nationwide across every trade.

Typically 15 minutes on a call. We ask about your trade, revenue, payroll, loss history, and coverage needs — then come back with real quotes from specialty contractor markets.

Often yes. We have admitted and E&S markets for contractors with prior GL claims, workers' comp losses, or difficult project types. Tell us your situation and we'll find a market.

Usually yes. A coordinated program closes gaps between policies and is typically cheaper and cleaner than separate policies from separate carriers — especially at claim time.

A.M. Best ratings reflect a carrier's financial strength and ability to pay claims. We place coverage with A-rated carriers so the coverage is there when a completed-ops claim, a workers' comp injury, or a tools theft hits.

Occurrence covers claims from work done during the policy period, whenever filed. Claims-made covers only claims filed while the policy is active. For contractors with completed-operations exposure, occurrence-based GL is strongly preferred.

Yes. Some GCs require blanket AI endorsements; others specify specific endorsement forms (CG 20 10, CG 20 37). We review your subcontract requirements and build the AI endorsements to match exactly what's required.

Trade type, annual revenue, payroll and crew size, vehicles, tools value, project types, current coverage, and loss history. The more detail, the more accurate the quote.

Yes — and you should if you provide design-build, specifications, project management, or consulting services. GL doesn't cover errors in professional services; E&O/professional liability is a separate policy that does.

Request a copy of your GL policy form and look for endorsements titled 'exclusion — work performed by subcontractors' or 'independent contractor exclusion.' If you're not sure, send us the policy and we'll review it.

Your GL policy has two aggregates: the general aggregate covers premises/operations claims; the products-completed operations aggregate covers completed-operations claims. These are separate pools — check both limits, not just the general aggregate.