Built for the building, and the owner.
Lessor’s Risk Insurance is the commercial-property division of Contractors Choice Agency — founded in 2005 by Josh Cotner, who knows exactly what happens when a tenant-caused fire meets a generic policy that tries to deny the loss.
- Licensed in all 50 states
- Founded 2005 — 20+ years
- Specialty lessor's-risk markets
- 15-minute quote turnaround
- 2-hour claims response
- A.M. Best A+ carrier partners
From the building to the agency.
Josh Cotner worked with commercial property owners before founding CCA in 2005. That background is why we understand what’s at stake when a tenant’s welding operation starts a fire and the carrier tries to deny the loss — or when the rooftop HVAC fails and the building goes dark.
Contractors Choice Agency founded
Josh Cotner opens CCA in Chandler, AZ, built to insure commercial property and contractor operations the right way.
Expanded to commercial property markets
After placing programs across dozens of property categories, CCA deepens its focus on commercial landlords — building owners who lease to tenants with real risk profiles.
Dedicated lessor's risk division
Lessor's Risk Insurance focuses CCA's expertise on commercial property owners — where tenant-caused fire, equipment breakdown, and premises liability are the real risks.
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Commercial buildings insured nationwide
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Years insuring property owners
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Average quote turnaround
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States licensed & writing
Four things we won’t compromise on.
Property-first, always
Josh founded CCA in 2005 after years working with commercial property. We understand buildings — because we know what happens when a tenant-caused loss meets the wrong policy form.
Coverage that closes the gaps
Tenant-caused fires, equipment breakdown, and common-area liability — we address the exposures standard markets miss or exclude.
A-rated markets only
We shop carriers with the financial strength and commercial-property experience to be there when a tenant fire or HVAC failure hits.
Honest, no-pressure advice
If you don't need a line of coverage, we'll tell you. We earn trust by being straight about what your building actually requires.
Ready to protect the building you own?
Get a 15-minute quote from specialists who understand commercial property — LRO, commercial property, premises liability, equipment breakdown, and umbrella.