Built by people who know the trades, for residential remodeling contractors.
Residential Remodeler Insurance is the remodeling-focused division of Contractors Choice Agency — founded in 2005 by Josh Cotner, who knows exactly what happens when a completed-ops gap or a CPL exclusion shows up at claim time.
- Licensed in all 50 states
- Founded 2005 — 20+ years
- Remodeling-knowledgeable agents
- 15-minute quote turnaround
- 2-hour claims response
- A.M. Best A+ carrier partners
From the jobsite to the agency.
Josh Cotner ran equipment, read specs, and filed certificates before founding CCA in 2005. That background is why we understand remodeling operations, the lead and asbestos exposure in older homes, and what happens when a GL policy doesn't have the completed-ops tail a remodeler actually needs.
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 contractor markets
After placing programs for dozens of trade categories, CCA extends expertise to residential remodeling contractors with the unique risk profiles of home renovation work.
Dedicated residential remodeling division
Residential Remodeler Insurance focuses CCA's expertise on home renovation contractors — where completed ops, crew workers' comp, and CPL for older homes are the real risks.
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Residential remodelers 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 remodeling because we know what happens when coverage fails at claim time.
Coverage that closes the gaps
Completed-ops exclusions, lead and asbestos CPL gaps, and tools left uninsured — we address the risks standard contractor markets miss for remodelers.
A-rated markets only
We shop carriers with the financial strength and contractor experience to be there when a completed-ops claim, a crew injury, or a CPL 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 remodeling business actually requires.
Ready to protect your remodeling business?
Get a 15-minute quote from specialists who understand residential remodeling — completed operations, crew workers' comp, lead and asbestos exposure, and the tools your crews depend on.