Get Insured in Minutes, Not Weeks — No Office Visit Required

“Virtual” describes how we work, not what we are. We're a licensed commercial insurance agency — Contractors Choice Agency, founded in 2005 — 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, 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, and a policy you can review, ask questions about, and sign electronically from a job site, your truck, or your kitchen table.

That doesn't mean less service — it means faster service with the same licensed expertise. Every application is reviewed by a person, not just software, and you can always reach a real agent by phone, email, or text if you have a question a web page can't answer. What changes 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're licensed to write commercial insurance in all 50 states, so wherever your business operates, we can help.

We built this model specifically around how contractors actually work. Your day doesn't run on office hours, and a lot of the moments you need insurance to move fast — a general contractor asking for proof of coverage before you can start a job, a new truck that needs to be added to your policy before it's on the road, a license application with a bond deadline — don't wait for a convenient time to drive to an agent's office. So we removed that step entirely. You start your application whenever it works for you, a licensed agent reviews it and calls or emails with a real quote, and once you're ready to move forward, everything from signing to certificate delivery happens digitally.