About Roofing Insurance
Powered by Contractors Choice Agency — placing insurance for roofing contractors in all 50 states since 2005.
Our Story
My name is Josh Cotner and I used to work in construction. I fell through a roof in 2005 and had a nightmare workers compensation claim. I needed to support my family, and during my recovery I learned a tremendous amount about liability, insurance, and how to fight for the benefits you're entitled to. That experience changed everything.
After my injury I put that knowledge to work and started selling insurance with National Contractors Insurance Company (NCIC) — an RRG started by ABC Supply. I worked with them for several years, building a book of roofing clients who trusted me to protect their businesses.
Then the recession hit. It took a toll on the carriers’ reserves, and NCIC was shut down. But all my roofers still needed coverage — so I went out and found other insurance companies that understood and appreciated roofing risks. I kept every single client.
Since then I’ve helped thousands of contractors find affordable coverage, protect their employees, keep money in their pockets, and — when it mattered most — fight to get claims paid. I’ve seen it all.
We all understand the need to minimize insurance costs, but when you have a claim you are going to want the best coverage money can buy. We try to balance the price you want to pay with the coverage you actually need. Don’t buy more than you need — but don’t buy less than you need either. If you have a question, ask. We love to educate our clients about exactly what they have. You know you’re covered.
Josh Cotner
Founder & Insurance Specialist
Former roofing contractor. Insurance specialist since 2005. NPN 8608479.
Our Mission
“To provide comprehensive, affordable insurance protection for roofing contractors — so they can focus on building quality roofs while we protect what they’ve built.”
Our Core Values
Integrity
We do what's right, even when it's not the easiest path. Honest quotes, honest advice, honest claims handling.
Transparency
No hidden fees, no surprise exclusions, no fine print surprises. We explain every policy in plain language.
Commitment to Excellence
We don't just sell policies and disappear. We're your long-term partner in protecting your business and your crew.
A Client-Centric Approach
Unlike large national carriers that treat contractors as policy numbers, we take the time to understand your business. That means better coverage at better prices — and a partner who actually picks up the phone when you call.
- Dedicated agent — you work with the same person every time
- 24/7 claims reporting with 2-hour response guarantee
- 15-minute quote turnaround on standard submissions
- Annual policy reviews to ensure you're never over- or under-insured
- Free certificates of insurance issued same day
Ready to Work With Us?
Whether you're starting out or switching from another carrier, we make the transition easy.
Get a Free Quote844-967-5247Get Started with RoofingInsurance.com
Join roofing contractors nationwide who trust us with their insurance.