Built by people who know contracting, for insulation operations.
Insulation Insurance is the insulation-contractor division of Contractors Choice Agency — founded in 2005 by Josh Cotner, who knows exactly what happens when a spray foam pollution exclusion shows up in a claim denial.
- Licensed in all 50 states
- Founded 2005 — 20+ years
- Insulation-knowledgeable agents
- 15-minute quote turnaround
- 2-hour claims response
- A.M. Best A+ carrier partners
From the jobsite to the agency.
Josh Cotner worked in the trades before founding CCA in 2005. That background is why we understand what's at stake when a spray foam claim hits the GL pollution exclusion and the carrier denies coverage.
Contractors Choice Agency founded
Josh Cotner opens CCA in Chandler, AZ, after years working in the trades — built to insure specialty contractors the right way.
Expanded to specialty contractor markets
After placing programs for dozens of specialty contractor and trade categories, CCA develops deep expertise in spray foam and insulation contractor risk.
Dedicated insulation division
Insulation Insurance focuses CCA's expertise on insulation contractors — where spray foam liability, CPL, and the right WC class codes are the real issues.
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Insulation contractors covered nationwide
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Years placing contractor insurance
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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 insulation contracting because we know what happens when coverage fails at claim time.
Coverage that closes the gaps
Spray foam pollution exclusions, wrong WC class codes, and equipment coverage gaps — we address the risks standard contractor markets miss.
A-rated markets only
We shop carriers with the financial strength and specialty-contractor experience to be there when a spray foam off-gassing claim or equipment 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 insulation operation actually requires.
Ready to protect your insulation business?
Get a 15-minute quote from specialists who understand insulation contracting — spray foam liability, pollution coverage, and equipment protection.