Built by people who know the system, for business owners who need it right.
Workers Compensation Exemption is the exemption-focused division of Contractors Choice Agency — founded in 2005 by Josh Cotner, who knows exactly what happens when the wrong exemption form gets filed or a state deadline gets missed.
- Licensed in all 50 states
- Founded 2005 — 20+ years
- WC exemption specialists
- 15-minute quote turnaround
- 2,000+ exemptions filed
- A.M. Best A+ carrier partners
From the trades to the agency.
Josh Cotner worked in the trades and filed his own exemptions before founding CCA in 2005. That background is why we understand what's at stake when an exemption is denied, a ghost policy gets audited, or an officer exclusion triggers a state investigation.
Contractors Choice Agency founded
Josh Cotner opens CCA in Chandler, AZ, after years working in the trades — built to insure and advise contractors and operators the right way.
Expanded to exemption specialization
After placing programs for dozens of contractor categories, CCA deepens expertise in workers' comp exemptions — sole proprietors, officers, and LLC members.
Dedicated exemption division
Workers Compensation Exemption focuses CCA's expertise on business owners navigating exemption filing, ghost policies, and alternative coverage across all 50 states.
0+
Exemptions filed nationwide
0+
Years helping business owners
0 min
Average quote turnaround
0
States licensed & writing
Four things we won't compromise on.
Exemption-first, always
Josh spent years in the trades before starting the agency. We speak the language of contractors and business owners because we know what happens when an exemption is filed wrong.
Guidance that closes the gaps
Wrong exemption forms, missed renewals, and state-specific construction rules — we address the risks standard agents miss.
A-rated markets only
When exemptions don't apply, we place alternative coverage with carriers that have the financial strength and specialty experience business owners need.
Honest, no-pressure advice
If you don't need a ghost policy, we'll tell you. We earn trust by being straight about what your exemption situation actually requires.
Ready to file your workers' comp exemption?
Get guidance in 15 minutes from specialists who know your state's exemption rules — sole proprietors, corporate officers, LLC members, and ghost policies.