Built by people who know the rules, for business owners navigating WC.
Workers Compensation Exemptions is the WC-exemption-focused division of Contractors Choice Agency — founded in 2005 by Josh Cotner, who knows exactly what happens when a voided exemption or a misclassified contractor shows up in an audit finding.
- Licensed in all 50 states
- Founded 2005 — 20+ years
- Exemption-knowledgeable agents
- 15-minute quote turnaround
- 2-hour claims response
- A.M. Best A+ carrier partners
From the trades to the agency.
Josh Cotner ran operations, read compliance specs, and filed certificates before founding CCA in 2005. That background is why we understand what's at stake when a business owner's exemption lapses, a worker gets hurt, and the state auditor finds a gap.
Contractors Choice Agency founded
Josh Cotner opens CCA in Chandler, AZ — built to help contractors, business owners, and operators navigate complex insurance and compliance requirements correctly.
Expanded to WC exemption guidance
After helping thousands of businesses with coverage placement, CCA develops specialized expertise in workers' comp exemptions, classifications, and state-by-state compliance.
Dedicated WC exemption division
Workers Compensation Exemptions focuses CCA's expertise on business owners navigating LLC member exemptions, family exclusions, IC classification, and alternative WC solutions.
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States covered with exemption guides
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Years helping businesses navigate WC
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Average quote turnaround
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Businesses helped with WC solutions
Four things we won't compromise on.
Operator-first, always
Josh spent years working in the trades before starting the agency. We speak the language of business owners because we know what happens when a compliance gap surfaces at the worst time.
Guidance that closes the gaps
Voided exemptions, misclassified contractors, missed renewals — we address the WC compliance risks that standard agents miss because they don't specialize.
A-rated markets only
When you do need workers' comp or an alternative — occupational accident, PEO — we place coverage with carriers that have the financial strength to pay claims.
Honest, no-pressure advice
If you qualify for an exemption, we'll tell you exactly how to file it. We earn trust by being straight about what your business actually requires.
Ready to sort out your WC exemption?
Get guidance on workers' comp exemptions in your state — LLC member, family member, corporate officer, independent contractor, or alternative coverage. 15-minute response.