Built by a contractor, for contractor gear.
Tools & Equipment Insurance is the gear-focused division of Contractors Choice Agency — founded in 2005 by Josh Cotner, a former contractor who knows exactly what happens when a truck gets broken into and the tools aren’t covered.
- Licensed in all 50 states
- Founded 2005 — 20+ years
- Former contractor on staff
- 15-minute quote turnaround
- 2-hour claims response
- A.M. Best A+ carrier partners
From the jobsite to the agency.
Josh Cotner swung a hammer, priced out tool inventories, and ran gear between jobsites before founding CCA in 2005. That background is why we understand what’s at stake when a truck gets broken into and the nailers are gone — or when a compressor blows internally and the crew can’t run.
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 inland marine markets
After placing programs for dozens of contractor categories, CCA deepens its focus on tools & equipment — the gear-heavy crews whose coverage lives in the inland marine market.
Dedicated tools & equipment division
Tools & Equipment Insurance focuses CCA's expertise on contractor gear — nail guns, saws, lifts, compressors, and the theft and breakdown exposures that define a gear-heavy operation.
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Gear-heavy crews insured nationwide
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Years insuring contractor equipment
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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 know what a tool inventory costs and what happens when coverage fails at claim time.
Coverage that closes the gaps
The GL-to-tools gap, stolen-gear exposure, and equipment breakdown — we address the exposures standard markets miss or exclude.
A-rated markets only
We shop carriers with the financial strength and inland marine experience to be there when a theft or breakdown 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 gear actually requires.
Ready to protect your tools and equipment?
Get a 15-minute quote from specialists who understand contractor gear — scheduled tools floaters, mobile equipment, installation floaters, equipment breakdown, and commercial auto.