Built by a contractor, for the high country.
Telluride Spray Foam Insurance is the Colorado-high-country spray-foam division of Contractors Choice Agency — a national agency founded in 2005 by Josh Cotner, a former contractor who got tired of watching trades businesses buy insurance that didn't protect them in the markets where they actually work.
- Licensed in all 50 states
- Founded 2005 — 20+ years
- Cold-climate & altitude experts
- 15-minute quote turnaround
- 2-hour claims response
- Luxury-home high-limit programs
From the jobsite to the agency.
Josh Cotner ran equipment, read specs, and filed certificates before he ever sold a policy. That background is why Contractors Choice Agency does things differently — and why Telluride Spray Foam Insurance exists to fix the coverage gaps high-country spray foam contractors hit in cold, at altitude, and on luxury homes.
Contractors Choice Agency founded
Josh Cotner opens CCA after years working in the trades — built to insure contractors the right way.
Deep in the contractor niche
Two decades placing GL, workers' comp, pollution, and equipment coverage for specialty trades nationwide.
A Colorado high-country SPF division
Telluride Spray Foam Insurance focuses CCA's expertise on the Colorado mountains — cold, altitude, and luxury homes, the trade with the most misunderstood coverage gaps.
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Colorado SPF contractors insured
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Years insuring contractors nationwide
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Average quote turnaround
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States licensed & writing
Four things we won't compromise on.
Contractor-first, always
Josh spent years in the trades before starting the agency. We speak your language because we've done the work.
Coverage that actually pays
We close the gaps — isocyanate pollution, snow-load builders risk, cold-climate workers' comp — that generic policies leave open in the high country.
A-rated markets only
We shop admitted and excess-and-surplus carriers with the strength to be there when a high-value mountain-home claim hits.
Luxury-home high-limit programs
Telluride's clients require higher limits than most agents structure. We layer GL, umbrella, and excess coverage sized for the work.
Ready to bind the right coverage?
Get a real quote in about 15 minutes. We shop A-rated specialty markets that actually write spray foam.