About the Agency
Built for builders who build more than one house at a time
A single-trade subcontractor and a production homebuilder running six subdivision phases at once need fundamentally different coverage. We built this agency around the second one.
Why We Exist
Subdivision-scale risk is a different animal
Most insurance content online is written for a single custom-home GC or a trade subcontractor. Production homebuilders carry a different risk profile entirely: simultaneous multi-lot exposure, completed-operations claims that can surface years after a phase closes, and limits that lenders and land developers now expect well above a typical single-project policy.
That's why every quote we build starts with your actual operation — how many lots are active, how many states you're building in, whether you're self-performing any trade work — instead of a generic contractor template.
As a Contractors Choice Agency brand, we place coverage nationwide (NPN #8608479) — general liability, builders risk, workers' comp, bonds, commercial auto, tools & equipment, umbrella, and — for qualifying large builders — subcontractor default insurance.
The honest-scoping rule
Subcontractor default insurance sounds impressive but only fits builders with $50M+ in annual revenue. We'll tell you plainly when a product isn't a fit and point you to the one that actually is — bonds instead of SDI, a package policy instead of scattered standalone lines.
How We Work
Three commitments on every quote
Scoped to your scale
We ask how many lots, how many states, and how many employees before we ever talk premium — subdivision-scale risk needs subdivision-scale limits.
One agency, every state
Multi-state builders get one point of contact coordinating GL, workers comp, bonds, and builders risk across every jurisdiction you're active in.
Fast, honest quotes
No generic templates, no upselling coverage you don't need — a real quote built from your actual operation, usually within a business day.
By the Numbers
What we work from
50
states we're licensed to place coverage in
10
coverage lines under one agency relationship
NPN
#8608479 — verifiable licensing on every quote
1 Day
typical turnaround for a fast quote
Licensed nationwide
NPN #8608479 — verify our licensing status with your state's Department of Insurance before you bind coverage anywhere.
One agency, every market
Coordinated GL, builders risk, bonds, and workers comp for builders expanding into new states and counties.
Talk to an agent
844-967-5247 — real scheduling, real answers. Or josh@contractorschoiceagency.com if you'd rather write.
Building a subdivision? Get coverage sized for the job.
Fast quotes nationwide for production homebuilders — general liability, builders risk, workers' comp, and bonds, from one agency that speaks your trade.