Built by people who know the trades, for contractors who work independently.
Work Comp Exemption is the contractor-focused division of Contractors Choice Agency — founded in 2005 by Josh Cotner, who knows exactly what happens when a lapsed exemption or a wrong filing gets you pulled off a job.
- Licensed in all 50 states
- Founded 2005 — 20+ years
- WC exemption specialists
- 15-minute consultation
- Same-day exemption review
- 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 WC exemption lapses, a general contractor demands proof, and the state agency is closed for the day.
Contractors Choice Agency founded
Josh Cotner opens CCA in Chandler, AZ, after years working in the trades — built to insure contractors and operators the right way.
Expanded to WC exemption filing
After placing insurance for dozens of contractor categories, CCA adds WC exemption filing services — helping contractors legally opt out of coverage they don't need.
Dedicated exemption division
Work Comp Exemption focuses CCA's expertise on the growing number of contractors, LLCs, and corporate officers who qualify for — and need help filing — state WC exemptions.
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Exemptions filed for contractors nationwide
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Years helping contractors stay compliant
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Average consultation turnaround
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States licensed & advising
Four things we won't compromise on.
Contractor-first, always
Josh spent years in the trades before starting the agency. We speak the language of contracting because we know what happens when a certificate lapse costs you a job or a contract.
Filed correctly the first time
Wrong business structure, wrong state form, expired certificate — we know every way an exemption fails at the gate and prevent it before it happens.
A-rated markets when coverage is needed
When exemptions aren't available or aren't right, we place real workers' comp from A-rated carriers. You get the right solution — not just the cheapest one.
Honest, no-pressure advice
If you don't qualify for an exemption, we'll tell you and show you the alternatives. We earn trust by being straight about what your business actually needs.
Ready to file your workers' comp exemption?
Get a 15-minute consultation from specialists who know your state's exemption rules — sole proprietor, LLC, corporate officer, or contractor filing.