About Us
The Agency Behind
Hot Shot Trucker Insurance
Contractors Choice Agency was built from the ground up to serve the insurance needs of working contractors and commercial truckers — the people who can't afford to get their coverage wrong.
Why We Specialize in Trucking Insurance
Most insurance agents are generalists. They sell home, auto, life, and commercial coverage — and when a hot shot trucker walks in the door, they either turn them away or cobble together a policy that misses critical gaps.
Contractors Choice Agency was founded by Josh Cotner after years of working directly with contractors and independent business owners who couldn't find agents who truly understood commercial trucking risks. The result is an agency where hot shot trucking isn't a side business — it's a core specialty.
We know the difference between bobtail and non-trucking liability. We understand FMCSA filing requirements. We know which carriers actually pay claims well and which ones find reasons not to. That knowledge is what we bring to every policy we write.
A-Rated Carriers
We only place coverage with financially stable, A-rated insurance carriers who pay claims.
All 50 States
Licensed to write commercial trucking insurance across the entire United States.
2,400+ Policies
Thousands of hot shot truckers and owner-operators covered across our carrier network.
Same-Day Service
Most policies are quoted, bound, and certificated within the same business day.
Our Commitment to Owner-Operators
Hot shot truckers and owner-operators are the backbone of the American freight system. They take on enormous financial risk — their truck, their trailer, the freight they haul — with little of the safety net that larger carriers provide their employees.
Our job is to make sure you have exactly the coverage you need, at the best price available, with a carrier that will actually pay when something goes wrong. That's the commitment we make to every trucker we insure.