My Story
Why an agent who fell through a roof ended up insuring off-road vehicles for a living.
Credentials
My Story
My name is Josh Cotner and I used to work in construction. I fell through a roof in 2005 and had a nightmare workers compensation claim. I needed to support my family and I learned a lot about liability and insurance during my recovery time. I had to fight the workers compensation company to get the results I was entitled to.
After my injury I learned a lot about insurance and the law and I started selling insurance with a National Contractors Insurance Company, RRG which was started by ABC Supply.
That fight taught me something most agents never have to learn firsthand: what it actually feels like when a policy doesn't cover what you thought it did, and what it feels like when it does. I built my career on the second feeling — making sure the people I insure never have to fight for what they're entitled to.
Today I help RZR, UTV, and side-by-side owners get real coverage — not a policy some call center read off a script, but one written by someone who understands why a roll cage matters, why a rollover totals a machine in seconds, and why "it's just an off-road toy" is exactly the kind of thinking that leaves riders uninsured.
If you ride, I want to talk with you — not just quote you.
Licensed Insurance Agent · NPN #8608479
Operating as part of Contractors Choice Agency, licensed to write coverage in all 50 states.
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