Built by people who know the trades, for grading contractors.
Grading Insurance is the earthmoving-focused division of Contractors Choice Agency — founded in 2005 by Josh Cotner, who knows exactly what happens when an equipment-floater undervaluation or a bonding-line cap shows up and costs a contractor the job.
- Licensed in all 50 states
- Founded 2005 — 20+ years
- Grading-knowledgeable agents
- 15-minute quote turnaround
- 2-hour claims response
- A.M. Best A+ carrier partners
From the job site 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 an excavator is stolen off-site, a haul truck causes a serious accident, and the contractor'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 earthmoving companies the right way.
Expanded to specialty contractor markets
After placing programs for dozens of specialty contractor and trade categories, CCA extends expertise to grading, excavation, and site-prep contractors with unique fleet and bonding needs.
Dedicated grading & earthmoving division
Grading Insurance focuses CCA's expertise on grading contractors — operations where equipment floaters, dump-truck auto, bonding lines, and mass-grading exposure are the real risks.
0+
Years insuring earthmoving crews
$0B
Contractor coverage placed
0
States licensed
0★
Average contractor rating
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 dirt work because we know what happens when coverage fails at claim time.
Coverage that closes the gaps
Off-site equipment exclusions, undervalued yellow iron, capped bonding lines — we address the risks standard contractor markets miss.
A-rated markets only
We shop carriers with the financial strength and contractor experience to be there when an equipment theft, a haul-truck accident, or a trench-collapse claim hits.
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 grading operation actually requires.
Ready to protect your grading operation?
Get a 15-minute quote from specialists who understand grading and earthmoving — general liability, dump-truck auto, equipment floaters, and bonding.