I only do spray foam insurance. That's the whole thing..
I'm Josh Cotner. I started Contractors Choice Agency in 2005 and have spent 20 years learning exactly what spray foam contractors need — and exactly what most standard policies exclude. Off-ratio foam. Isocyanate exposure. Completed-operations claims from foam that failed two years after installation. I've seen every version of this and I know how to close those gaps.
- Licensed in all 50 states
- Founded 2005 — 20+ years
- Spray foam specialist — not a generalist
- 15-minute quote turnaround
- 2-hour claims response
- A.M. Best A+ carrier partners
From the trades to the coverage that actually works.
I came up in the contractor world before I ever set foot in insurance. That background is why I understand what's at stake when a claim comes in and an exclusion kills it — and why I work exclusively with spray foam contractors rather than trying to be everything to everyone.
Contractors Choice Agency founded
I opened CCA in Chandler, AZ after years working with and around contractors — built to insure trades and specialty operations the right way, not with generic policies.
Went all-in on spray foam
After placing programs across dozens of contractor categories, I recognized that spray foam had a uniquely complex risk profile that no one in the market was solving well. I went deep on it.
The spray foam insurance guy
I focus exclusively on spray foam contractors — the GL, off-ratio, pollution, equipment, and workers' comp programs that specialty foam operations actually need.
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Spray foam contractors insured nationwide
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Years specializing in spray foam insurance
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Average quote turnaround
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States licensed & writing
Four things I won't compromise on.
Spray foam only
I don't dabble. Spray foam insurance is all I do, which means I know the markets, the exclusions, and the claims patterns better than any generalist agent.
Coverage that closes the gaps
Off-ratio exclusions, pollution carve-outs, equipment undervaluation — I address the risks standard markets miss on every spray foam program I place.
A-rated markets only
I shop carriers with the financial strength and specialty construction experience to be there when a completed-operations or off-ratio claim hits.
Straight talk, no pressure
If you don't need a line of coverage, I'll tell you. I earn your trust by being direct about what your spray foam operation actually requires.
Ready to talk spray foam insurance?
I quote spray foam contractor insurance in 15 minutes — GL, off-ratio, pollution, workers' comp, equipment, and commercial auto. Call or get a quote now.