Contractor insurance — Pacific West

Yes. State contractor licensing boards set minimum insurance requirements that vary by trade, revenue, and project type. We account for your state's specific requirements when structuring your program.

Yes. We routinely issue additional-insured endorsements, waivers of subrogation, and primary/non-contributory language that local GCs and developers require before you start work.

Wind, named-storm, hail, wildfire, and freeze exposures vary by region and affect pricing for commercial auto and property coverage. We shop markets that write your region and structure deductibles appropriately.

Yes. Because we're licensed nationwide, a single program can follow your crews across state lines — GL, workers' comp, commercial auto, and tools coverage coordinated without gaps.

Yes. We supply certificates of insurance, license bonds, and additional-insured endorsements that local building departments, GCs, and developers require — turned around quickly.

All contractor trades — general contractors, electrical, plumbing, HVAC, roofing, concrete, masonry, landscaping, specialty trades, and more. If it's a contractor license, we likely have a market for it.

Typically 15 minutes for a standard program. Once bound, we issue certificates and endorsements usually within the same day.

Yes. NPN #8608479, licensed to write and service contractor insurance programs in every state.

Once coverage is bound, we typically issue certificates within minutes. Same-day certs are standard.

We shop A.M. Best A-rated and A+ rated specialty contractor markets — not personal lines carriers or surplus lines scraps.

We have markets that write contractors with claims history. We'll need 3–5 years of loss runs to structure the right program.

We shop multiple markets and often match or beat current pricing — especially if you haven't been marketed recently. Send us your current dec page.

We assist with claims reporting and advocacy. Contact us immediately after a loss and we'll guide you through the process.

Basic business info: trade type, years in business, annual revenue or payroll, number of employees, states you work in, and 3–5 years of loss runs if available.

Yes. We can bundle GL, commercial auto, tools, and inland marine into a commercial package that simplifies billing and can reduce total premium.

Yes. Additional insured endorsements, waivers of subrogation, and primary/non-contributory language are standard and typically issued same-day.

Minimums vary by carrier and coverage line. GL minimums typically start around $500–$750 for the smallest contractors. We'll tell you upfront.

We'll reach out 60–90 days before your renewal to review your program, re-shop markets if needed, and ensure your limits still match your contracts.

A BOR letter transfers your existing policy to Contractors Choice Agency so we can service it and compete for your renewal. It doesn't change your coverage or premium mid-term.