Built by people who know the trades, for rental operations.
Equipment Rental Insurance is the rental-focused division of Contractors Choice Agency — founded 2005 by Josh Cotner, who knows exactly what happens when an equipment floater lacks rented-to-others language or an equipment-breakdown exclusion shows up in a claim denial.
- Licensed in all 50 states
- Founded 2005 — 20+ years
- Rental-knowledgeable agents
- 15-minute quote turnaround
- 2-hour claims response
- A.M. Best A+ carrier partners
From the jobsite to the agency.
Josh Cotner ran equipment, read specs, and filed certificates before founding CCA in 2005. That background is why we understand what's at stake when a skid steer is stolen off a customer's site, an excavator comes back with a seized transmission, and the yard's carrier cites a coverage gap.
Contractors Choice Agency founded
Josh Cotner opens CCA in Chandler, AZ, after years working in the trades — built to insure contractors, operators, and equipment owners the right way.
Expanded to specialty equipment markets
After placing programs for dozens of specialty contractor categories, CCA extends expertise to equipment rental and fleet operations with unique risk profiles.
Dedicated equipment rental division
Equipment Rental Insurance focuses CCA's expertise on rental yard owners — operations where inland marine, rented-to-others exposure, and equipment values are the real risks.
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Premium placed for contractors — rental yards and fleets
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Claims response — reach a person, not a queue
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States licensed and writing
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Years insuring contractor operations
Four things we won't compromise on.
Operator-first, always
Josh spent years in the trades before starting the agency. We speak the language of equipment rental because we know what happens when coverage fails at claim time.
Coverage that closes the gaps
Missing rented-to-others language, equipment-breakdown exclusions, under-scheduled trailers, and inadequate liability limits — we address the risks standard commercial markets miss.
A-rated specialty markets only
We shop carriers with the financial strength and rental-industry experience to be there when a major theft, a seized engine, or a serious injury claim hits your operation.
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 rental yard actually requires.
Ready to protect your rental fleet?
Get a 15-minute quote from specialists who understand equipment rental — inland marine floaters, rented-to-others coverage, equipment breakdown, and the liability limits your commercial customers require.