Licensed Since 2005 · 100% Virtual
A Real Licensed Agency, Built to Work the Way Contractors Actually Work
Virtual Insurance Agent is the online front door to Contractors Choice Agency (CCA) — a licensed commercial insurance agency that has quoted and bound coverage for contractors since 2005. We didn't start as a tech company that added insurance later. We started as an insurance agency and rebuilt the process around your schedule instead of ours.
Our Story
Twenty years of writing contractor insurance, built for how you actually work
Contractors Choice Agency was founded in 2005 with a narrow focus: commercial insurance for contractors and the trades. Two decades later, that focus hasn't changed, even though almost everything about how we deliver it has. We've spent those years learning the difference between a roofer's risk profile and an electrician's, between a solo operator's coverage needs and a ten-truck crew's, and between what a general contractor requires on a certificate of insurance versus what a state licensing board requires on a bond. That specialization is what carrier partners and clients both rely on.
Today we're licensed to write commercial insurance in all 50 states and have quoted coverage across more than 50 distinct contractor trades — from general contractors and framers to electricians, plumbers, HVAC installers, roofers, and specialty subcontractors. That breadth means that whatever your trade and wherever your business is registered, our agents have almost certainly written a policy like yours before. We're not guessing at your risk class or improvising a quote — we're applying two decades of pattern recognition to your specific business.
What has changed is the delivery model. For most of our history, that meant phone calls, faxed applications, and mailed policy documents — a process that worked, but wasn't built with a contractor's actual day in mind. Somewhere along the way we asked a simple question: if a contractor doesn't have time to sit in a waiting room during business hours, why does an insurance agency need to make them? The answer became Virtual Insurance Agent — the same licensed agency, the same carrier relationships, the same underwriting standards, delivered through a process that fits into a lunch break instead of requiring a day off.
Why We Went Virtual
“Virtual” describes how we work, not what we are
We're a licensed commercial insurance agency that decided a physical office wasn't serving contractors well. You don't have time to drive across town and sit in a waiting room during business hours between jobs, so we built a process that comes to you instead: a short online application, a real licensed agent reviewing your business and building a custom quote across our carrier partners, and a policy you can review, ask questions about, and sign electronically from a job site, your truck, or your kitchen table.
Going virtual doesn't mean less service — it means faster service with the same licensed expertise behind it. Every application is still reviewed by a person, not just software, and you can still reach a real agent by phone, email, or text whenever a question comes up that a web page can't answer. What changed is the paperwork: no printed applications, no waiting on the mail for a certificate of insurance, no scheduling an office visit around your crew's workday. We think of the lack of a physical office as a feature, not a shortcut — it's the reason we can respond to you on your schedule instead of asking you to work around ours.
How Applications Are Reviewed
Software handles the paperwork. A licensed agent handles the decision.
One of the most common questions we hear is some version of “is this legit, or am I just filling out a form for a chatbot?” It's a fair question, and the answer deserves a straight explanation instead of a marketing line. Contractors Choice Agency is a licensed insurance agency, not a lead-reselling comparison site and not an automated quoting bot dressed up to look like an agency. When you submit an online application or quote request, that submission goes to a real, licensed insurance agent — the same kind of professional you'd meet at a desk in a traditional office, minus the desk.
That agent reviews your business details — your trade, payroll, revenue, years in business, and claims history — and builds a custom quote by working with our carrier partners, the same carriers a traditional local agency would use. Nothing about that underwriting relationship changes because the intake happened online instead of on paper. If a question comes up that the online form can't capture, or if your business has a wrinkle that needs a real conversation, the agent calls or emails you directly. The online process exists to speed up the parts of the workflow that never needed a human anyway — typing your information into a system, routing a form, scheduling a callback — while keeping a person in the loop for every decision that actually matters.
The same is true once your policy is bound. If you need to file a claim, request a certificate of insurance, or ask a question about your renewal, you're not routed into an automated queue. You can call, email, or text, and you'll reach a licensed agent who can pull up your policy and actually help — not a script reading generic answers off a screen.
What We Cover
Seven coverage lines built for contractor risk
We write the coverage lines contractors actually need — the near-universal ones GCs and licensing boards require, and the exposure-driven ones that protect your business as it grows. Every line below is quoted, bound, and serviced through the same virtual process.
General Liability Insurance
General Liability Insurance for Contractors
Learn more →Workers' Compensation Insurance
Workers' Compensation Insurance for Contractors
Learn more →Commercial Auto Insurance
Commercial Auto Insurance for Work Trucks & Vans
Learn more →Contractor Surety Bonds
Contractor Surety Bonds
Learn more →Cyber Liability Insurance
Cyber Liability Insurance for Small Contractors
Learn more →Professional Liability Insurance (E&O)
Professional Liability Insurance for Contractors
Learn more →Business Owner's Policy (BOP)
Business Owner's Policy (BOP) for Contractors
Learn more →Where We Operate
Nationwide by design, not by accident
Licensed to write commercial insurance in all 50 states — 100% virtual, no office visit required.
We don't list a street address because we don't have one, and we consider that a feature rather than a gap. A physical office only serves customers who happen to live or work near it — it doesn't help a roofer in one state, an electrician in another, or a general contractor running crews across three. Being licensed in all 50 states and operating entirely online means the same agent, the same process, and the same response time are available to you no matter where your business is registered or where your job sites are. Wherever your business operates, we can help — that's the whole point of building the agency this way.
Why Contractors Choose Us
What actually sets a virtual agency apart
Licensed in All 50 States
We're not a regional shop that happens to have a website — we hold active licensing to write commercial insurance in every state, so your coverage is valid wherever your crews work.
Real Licensed Agents, Every Application
Software speeds up the paperwork, but it doesn't make underwriting decisions or answer your questions. A licensed agent personally reviews every application before it goes to a carrier.
20+ Years Underwriting Contractor Risk
Since 2005, we've built relationships with carrier partners who understand construction and trade-specific risk, from a two-truck electrician to a multi-crew general contractor.
50+ Contractor Trades Written
From roofers and framers to electricians, plumbers, HVAC techs, and specialty subcontractors, we've quoted and bound policies across more than 50 distinct contractor trades.
Direct Access to a Human
No ticket queue, no chatbot loop. Call, email, or text and you'll reach someone who can actually talk through your policy, your renewal, or your claim.
No Office Overhead, No Wasted Time
We didn't cut corners to go virtual — we cut the parts of the process that never helped you anyway: the waiting room, the drive across town, the printed forms.
Frequently Asked Questions
Questions about who we are
Is a virtual insurance agency as legitimate as a traditional local agency?
Yes — legitimacy comes from licensing and carrier relationships, not a physical office. We are a licensed insurance agency in all 50 states, working with the same carriers a traditional local agency would use.
Is Contractors Choice Agency a licensed insurance agency, or just a quote-comparison site?
Contractors Choice Agency is a licensed insurance agency, not a lead-reselling comparison site. We work directly with you and our carrier partners to quote, bind, and service your policy.
What states is Contractors Choice Agency licensed to write insurance in?
We are licensed to write commercial insurance in all 50 states, so you can get coverage no matter where your business operates.
Who actually reviews and underwrites my application if there's no in-person agent?
A real, licensed insurance agent reviews every application personally before it goes to our carrier partners for underwriting — the online process doesn't remove the human review, it just removes the office visit.
Ready to work with a real licensed agency?
Call 844-967-5247 or request a free quote online — a licensed agent will respond within 1 business day.