Built by people who understand specialty vehicles, for custom truck owners.
Custom Truck Insurance is the custom and modified truck division of Contractors Choice Agency — founded in 2005 by Josh Cotner, who knows exactly what happens when a standard auto policy's ACV payout doesn't cover a custom build at claim time.
- Licensed in all 50 states
- Modified vehicle specialists since 2010
- Agreed value policies — no depreciation
- Custom parts covered at replacement cost
- 2-hour claims response guarantee
- A.M. Best A+ carrier partners
From the trades to the specialty markets.
Josh Cotner ran equipment, read specs, and filed certificates before founding CCA in 2005. That background is why we understand what's at stake when a custom truck totals and the carrier's ACV check doesn't cover the lift kit, the wheels, or the build.
Contractors Choice Agency founded
Josh Cotner opens CCA in Chandler, AZ, after years working in the trades — built to insure specialty vehicles, contractors, and operators the right way.
Expanded to specialty vehicle markets
After placing programs for dozens of specialty trade and contractor categories, CCA extends expertise to custom, modified, and collector vehicles with unique insurance needs.
Dedicated custom truck division
Custom Truck Insurance focuses CCA's expertise on custom and modified truck owners — agreed value, parts riders, lifted builds, show trucks, and fleet programs for custom truck businesses.
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Custom trucks insured nationwide
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Years insuring modified vehicles
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States we're licensed in
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Agreed value — no depreciation
Four things we won't compromise on.
Truck-owner-first, always
We know what's at stake when a custom build totals and a standard carrier pays book value. Agreed value coverage is the baseline — not an upsell.
Coverage that closes the gaps
Standard auto policies exclude modifications, cap accessories at $1,000, and ignore lift kits. We build programs that cover the truck as it actually sits.
A-rated markets only
We shop carriers with the financial strength and specialty vehicle experience to pay a real claim on a $50,000 custom build without a dispute.
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 truck actually requires.
Ready to insure your custom truck right?
Get a 15-minute quote from specialists who understand custom and modified trucks — agreed value, parts riders, lifted builds, and show truck coverage.