Built by people who know the trades, for Texas contractors.
Work Comp Texas is the Texas contractor division of Contractors Choice Agency — founded in 2005 by Josh Cotner, who knows what happens when wrong class codes blow up a WC audit or a slow certificate loses a job in Houston.
- Licensed in all 50 states
- Founded 2005 — 20+ years
- Texas WC specialists
- 15-minute quote turnaround
- 2-hour claims response
- A.M. Best A+ carrier partners
From the jobsite to the agency.
Josh Cotner ran equipment, read specs, and filed certificates before founding CCA in 2005. That background is why we understand what a Texas roofing contractor's WC should cost — and what the audit will find if the class codes are wrong.
Contractors Choice Agency founded
Josh Cotner opens CCA in Chandler, AZ, after years working in the trades — built to insure contractors the right way.
Expanded deep into Texas contractor WC
After placing WC for contractors across the country, CCA builds a dedicated Texas practice — roofing, HVAC, GC, and sub programs across the state.
Texas WC specialist division
Work Comp Texas focuses CCA's expertise on Texas's unique WC system — voluntary coverage, non-subscriber framework, and trade-specific class codes for every Texas trade.
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Texas contractors insured statewide
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Years writing contractor WC in Texas
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Average quote turnaround
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Texas counties covered
Four things we won't compromise on.
Contractor-first, always
Josh spent years in the trades before starting the agency. We speak the language of Texas contracting because we know what it costs when WC goes wrong at audit time.
Right class codes from the start
Wrong class codes mean overpayment and audit surprises. We classify your work correctly the first time so your WC rate reflects what you actually do.
A-rated markets only
We place Texas WC with A-rated (and A.M. Best A+ where possible) carriers so your certificate is accepted and your claims are paid.
Honest non-subscriber guidance
Texas's opt-out system is a real option for some contractors. We'll tell you honestly when it makes sense and when it doesn't — not just sell you a policy you might not need.
Ready for a Texas workers' comp quote?
Get a 15-minute quote from specialists who know Texas WC — correct class codes, fast certificates, and honest non-subscriber guidance for all Texas contractor trades.