Dually specialists who understand working truck coverage.
Dually Insurance is the dually truck division of Contractors Choice Agency — founded in 2005 by Josh Cotner, who knows exactly what happens when a personal auto policy denies a business-use claim on a working dually.
- Licensed in all 50 states
- Dually specialists since 2005
- Commercial & personal dually markets
- 15-minute quote turnaround
- Agreed value options available
- A.M. Best A+ carrier partners
From the jobsite to the agency.
Josh Cotner ran equipment and jobsites before founding CCA in 2005. That background is why we understand the gap between a personal auto policy and what a commercial dually truck actually needs.
Contractors Choice Agency founded
Josh Cotner opens CCA in Chandler, AZ, after years working in the trades — built to insure contractors and working truck owners correctly.
Dually truck specialization developed
After placing programs for contractors and working truck owners across all 50 states, CCA develops dedicated expertise in commercial dually truck coverage.
Dedicated dually insurance division
Dually Insurance focuses CCA's expertise on F-350, Ram 3500, and Silverado 3500 owners who need coverage that matches how they actually use their trucks.
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Dually trucks insured nationwide
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Years insuring working trucks
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Average quote turnaround
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States licensed & writing
Four things we won't compromise on.
Working truck first
A dually isn't a passenger car. We write coverage for what it is: a commercial-grade vehicle that does serious work.
No coverage gaps
Personal auto exclusions, ACV shortfalls, and business-use denials — we address the risks standard policies miss.
15-minute quotes
You need coverage now — not a two-week process. We deliver quotes the same day you call.
Agreed value where it matters
ACV is the wrong answer for a heavily optioned dually. We find agreed value carriers for the trucks that need it.
Ready to protect your dually truck?
Get a 15-minute quote from specialists who understand dually trucks — commercial auto, agreed value, and cargo.