Former Contractors.
Insurance Specialists.
Contractors Choice Agency was built by people who worked in the trades before they worked in insurance. We understand certificate requirements, payroll audits, and the gap that ghost workers comp policies are designed to fill — because we lived it.
Built on a Problem We Experienced Firsthand
The founders of Contractors Choice Agency didn't start in insurance — they started in the trades. General contracting, subcontracting, residential construction, and commercial build-out were the daily reality before insurance became the focus.
The frustration was the same one every contractor knows: you're a sole operator, you have no employees on payroll right now, but the general contractor won't let you on site without a workers comp certificate. Standard WC carriers won't write a policy with zero employees. You're stuck.
Ghost workers compensation policies solve that problem — but finding an agency that actually understood them, placed them quickly, and didn't overcharge was nearly impossible. So we became that agency.
Over 20 years later, Contractors Choice Agency has helped thousands of contractors, sole proprietors, and small business owners secure the coverage they need — cleanly, affordably, and with certificates that hold up to scrutiny.
Why Contractors Trust Us
Our credentials aren't just bullet points — they're the result of two decades of specialization in a product most agencies don't understand.
Licensed in All 50 States
Our agents hold active surplus and admitted lines licenses across every U.S. jurisdiction, so we can place coverage wherever your contracts take you.
Ghost Policy Specialists
We've structured thousands of ghost workers comp policies for contractors navigating certificate requirements, payroll audits, and misclassification risk.
20+ Years of Experience
Two decades working exclusively with contractors and small business owners gives our team practical insight that generalist agencies simply don't have.
A-Rated Admitted Carriers
We place coverage exclusively with financially stable, A-rated admitted carriers — never surplus or non-admitted markets for standard ghost WC needs.
Audit Defense Expertise
When a WC audit surfaces unexpected liability, our specialists guide you through documentation, reclassification arguments, and resolution strategies.
Ongoing Policy Management
We don't just bind coverage and disappear. Our team monitors policy terms, renewal windows, and audit cycles on your behalf year-round.
Why Work With a Ghost WC Specialist?
Ghost workers comp is a niche product. Getting it wrong has real consequences — voided certificates, failed audits, unexpected liability. Specialization isn't optional.
We Built in the Field First
Our founders spent years as general contractors before pivoting to insurance. That hands-on background means we understand exactly what certificate holders demand — and how to satisfy those demands without overpaying.
Deep Knowledge of Contractor Classifications
Ghost WC policies hinge on payroll classification codes. A misclassified code can void a certificate or trigger a five-figure audit bill. We get the codes right the first time.
Relationships With the Right Carriers
Not every carrier writes ghost policies cleanly. We've built long-standing relationships with A-rated admitted carriers that understand contractor certificate requirements and write clean, auditable ghost policies.
No Employee? No Problem.
Most general agencies stumble when a business has zero reported employees. Ghost WC is our core product — we underwrite it efficiently and issue certificates quickly.
Carriers We Work With
We maintain relationships with A-rated admitted carriers that specialize in contractor and ghost WC products — the markets that understand your business and write clean, certificate-ready policies.
We don't publish specific carrier names publicly. Contact us for a quote and we'll match you with the right market for your state and situation.
Talk to a Ghost WC Specialist Today
Whether you need a ghost policy for an upcoming contract or you're facing a WC audit, our specialists can help. Free consultation, no pressure, straight answers.