Wildfire-zone notice: We do not currently have carrier access to place new homeowners insurance for homes in wildfire-rated areas of Happy Jack and the rim country. Our focus is business & commercial insurance, plus auto, off-road, vacant land, and vacation-rental coverage.
About the Agency
Built for the businesses that keep rim country running
Rim country runs on small operators — builders, tree and fuels crews, the plow guy, outfitters, the corner store — plus trucks, toys, and bare land. We built an independent agency around exactly that.
Why We Exist
National call centers keep getting rim country wrong
Try explaining a seasonal plow operation or a one-truck tree crew to a quoting script. Try telling an out-of-state call center that the business builds cabins in summer and clears driveways in winter, or that the machine hauled to the trailhead isn't a car at all. Rim-country insurance needs are specific, and the generic quote engine handles specific badly.
Happy Jack Insurance exists to be the opposite of that machine. We're an independent agency — we represent multiple carriers, and our strongest market access is business & commercial insurance for the contractors and trades that keep the rim running, plus auto, off-road, vacant land, and vacation-rental coverage. One thing we're upfront about: we do not currently have carrier access to place new homeowners insurance for homes in the rim country's wildfire-rated zones.
We serve the whole rim: Happy Jack, Pine, Strawberry, Payson, Mormon Lake, Munds Park, Clints Well, Blue Ridge, and Forest Lakes. Contractors, seasonal operators, working trucks, and bare land — different needs, and we quote each one on its own terms.
“Independent” is the whole business model
A captive agent is paid to place you with one carrier whether it fits or not. We get paid when coverage fits well enough to keep — which is why we'll tell you when bundling is wrong, when surplus lines beats admitted, and when the policy you already have is the one you should keep.
How We Work
Three commitments on every policy
Coverage before price
We show the differences between quotes line by line, then talk price. A cheap policy that denies a wildfire loss-of-use claim isn't cheap.
Local fluency
Wildfire scoring, defensible space, snow load, seasonal vacancy, OHV rules — we speak the local dialect of risk fluently.
Advocacy at claim time
The policy is a promise; claims are where it's kept. We stay in the file — pushing, translating, and escalating when carriers slow-walk.
Local Expertise
The knowledge that changes outcomes
Business & contractors
A one-owner operation that builds in summer and plows in winter doesn't fit a national carrier's box. We match rim-country trades and seasonal businesses to carriers that want them.
Seasonal operations
Work stacks up in warm months and thins out under the snow. We size limits and coverage to how a rim-country business actually runs through the year.
Off-road & toys
OHV decals, trail liability, custom builds, and toy haulers — the coverage your auto policy quietly leaves out.
Land & outbuildings
Vacant-land liability, wells and septic, detached shops and barns — sized deliberately, not by a default percentage.
One Rim, Many Communities
We quote rim country the way it actually is
Nine communities in the pines, each with its own mix of full-time homes, cabins, and land. Here's how we think about them.
Happy Jack & Clints Well
Deep-forest homes and businesses tucked into the Coconino National Forest at elevation. We don't currently place the homeowners side of a wildfire-rated property, but we insure the trucks, trailers, and trades that work up here.
Blue Ridge & Forest Lakes
Lake-and-forest cabin country, heavy on second homes and weekend places that sit empty through the snow. We don't currently place that dwelling coverage, but we can quote the vehicles, land, and any business run out of the area.
Pine & Strawberry
Rim towns where cabins, small businesses, and off-road recreation all live together. The OHV traffic through town means the toys need their own coverage, and the trades and shops here are where our strongest market access is.
Payson
The rim's hub for services, trades, and full-time residents — and where our market access is strongest: commercial and contractor coverage, plus auto, for the businesses that keep the whole region running.
Mormon Lake & Munds Park
High-country cabin communities north toward Flagstaff, with real winters, seasonal closures, and forest-fire exposure. We don't currently place the seasonal-home side of that risk, but we insure the autos, toys, and any business based here.
The land in between
Rim country is full of vacant and recreational parcels — lots held to build on later, hunting and camping ground, and off-road acreage. Bare land still carries liability, and we insure it before the first nail is driven.
Come Prepared
What makes a quote fast and accurate
Fifteen minutes of good information beats three rounds of back-and-forth. If you have it, bring it — and if you don't, we'll work with what you have and tell you exactly what's worth digging up.
- Current declarations pages for every policy you hold
- What your business does, including side work and seasonal shifts
- Whether you have employees, even part-time or seasonal help
- Vehicles, trailers, and equipment used for work
- Whether you own or rent your business space
- Any claims in the last three years, with dates and details
Licensed in Arizona
Regulated by the Arizona Department of Insurance and Financial Institutions (DIFI).
Rim country coverage
Happy Jack, Pine, Strawberry, Payson, Mormon Lake, Munds Park, Clints Well, Blue Ridge, and Forest Lakes.
Talk to a person
844-967-5247 — or josh@contractorschoiceagency.com if you'd rather write.
Ready for coverage that knows rim country?
One conversation, multiple carriers compared — from the cabin in the pines to the truck, the side-by-side, and the land.