National reach. All 50 states, every framing market.

Yes. Because we're licensed nationwide, a single program can follow your crews across state lines — GL, workers' comp, builder's risk, and tools coverage coordinated without gaps.

Yes. We have markets that write wind, named-storm, and WUI exposures and structure your builder's risk and property coverage so you're protected during the build in coastal, mountain, and interface zones.

Typically 15 minutes for a standard program. Once bound, we turn around additional-insured certificates, waivers of subrogation, and license bonds usually within minutes — wherever you're building.

They can. Wind, seismic, wildfire, and energy-code requirements vary regionally and influence both how you frame and how the risk is underwritten. We account for your region's code environment when structuring your program.

Most framers pay $1,500–$4,500 a year for $1M/$2M general liability, with workers' comp rated on payroll at class 5403 and tools floaters based on scheduled gear. We quote the full program in about 15 minutes and show every market's price.

Yes. Contractors Choice Agency is licensed in all 50 states and writes framing crews from the Sun Belt and Texas to the Pacific Northwest, Rocky Mountain West, and Northeast.

About 15 minutes for a standard program. Once bound, we turn around additional-insured certificates, waivers of subrogation, and primary/non-contributory endorsements usually within minutes.

Wood framing and rough carpentry is typically coded under NCCI class 5403 (Carpentry). Correct classification keeps you from overpaying or facing an audit surprise — and ensures claims aren't denied for misclassification.

We place general liability that specifically covers two- and three-story framing, truss setting, and roof work. Many budget contractor policies exclude work above one or two stories — we make sure yours does not.

Tools are covered under a tools & equipment (inland marine) policy, not GL or property. We schedule nail guns, saws, generators, and compressors at replacement cost so jobsite and truck theft is covered.

Most residential framers carry $1M/$2M GL with a $2M–$5M umbrella. Commercial and multifamily GCs often require $2M–$5M limits plus additional-insured status. We size limits to your actual contract requirements.

Yes — personal auto excludes business use and will deny claims when you haul lumber or tools. Commercial auto covers your trucks, trailers, and lumber haulers, including hired/non-owned vehicles.

Often, yes. We have excess-and-surplus (E&S) markets for contractors with loss runs, cancellations, or tough exposures that standard markets decline.

Your GL doesn't cover independent subs — they should carry their own and name you additional insured. We set up certificate tracking and additional-insured requirements so subcontracted work doesn't become your liability.

You reach a person with context, not a queue. We respond within 2 hours, help you document the loss, and manage the claim with the carrier so it's paid correctly and your operation keeps moving.

Framing has fall, nail-gun, saw, and theft exposures that generic carriers exclude or misprice. A specialty broker knows the class codes, the height exclusions to avoid, the markets that write framers, and how to manage a framing claim.