About Contractors Choice Agency
Arizona's trusted insurance experts since 2005. We specialize in finding the right coverage for riders who don't just commute — they explore.
Our Story
From Contractor to Insurance Specialist
Contractors Choice Agency was founded in 2005 by Josh Cotner, a former contractor who understood firsthand the insurance challenges that trade professionals face. That insider perspective became the foundation of an agency built on understanding its clients — not just selling them policies.
Over 20 years, the agency has grown from a one-man operation in Chandler, Arizona to a nationally licensed insurance brokerage serving clients across all 50 states. The philosophy hasn't changed: understand the client's actual needs, shop multiple carriers, and deliver the best coverage at the best price.
Adventure Bike Insurance is a natural extension of that philosophy. Adventure riders have specific, complex insurance needs that most agents and online quote tools don't understand. Off-road coverage gaps, gear protection, international riding requirements — these aren't check-box items on a standard motorcycle insurance form. They require knowledge of carrier underwriting, policy language, and the real-world riding scenarios that adventure riders face.
Josh and the team at Contractors Choice Agency bring that same detail-oriented, client- first approach to adventure bike insurance. We ride, we research, and we find policies that actually protect you on the road beyond pavement.
Years in Business
States Licensed
Active Clients
Minute Quotes
Why Adventure Riders Choose Us
What Makes Us Different
We Understand Adventure Riding
We know the difference between a fire road and a single-track trail. We understand why gear coverage matters and why standard towing limits don't work for overlanders. Our quotes are built for how you actually ride.
We Shop Multiple Carriers
We don't work for one insurance company. We're independent brokers who compare rates and coverage terms from dozens of carriers to find the best policy for your specific situation. That independence means we work for you, not a carrier's bottom line.
15-Minute Quote Turnaround
Fill out our quote form or give us a call. We'll have competitive quotes back to you within 15 minutes during business hours. No days-long waiting periods or endless automated phone systems.
2-Hour Claims Response, 24/7
If something happens on your adventure — whether it's 2 PM on Tuesday or 2 AM on Sunday — we answer the phone. We guarantee a response within 2 hours for every claims report, any time of day or night.
20+ Years of Insurance Expertise
Josh Cotner founded Contractors Choice Agency in 2005. Two decades of experience means we've seen every scenario, navigated every claims process, and built relationships with carriers that benefit our clients.
Licensed Nationwide with International Options
Our NPN 8608479 license covers all 50 states. For riders heading to Mexico, Canada, or beyond, we work with international insurance specialists to build coverage that crosses borders with you.
Ready to Get Started?
Whether you're insuring your first adventure bike or your tenth, we're here to find you the right coverage. Free quotes, no pressure, no obligation.
844-967-5247
Call or text anytime
Chandler, AZ
12220 E Riggs Rd
NPN 8608479
Licensed all 50 states
Get Your Adventure Bike Quote
15 minutes. Free. No obligation. We'll find the right coverage for how you ride.