About Our Company

The modern agent for contractor insurance. Tech-powered. Trade-focused.

Letter from The Founders

Throughout our careers in insurance and technology, we’ve witnessed how traditional insurance agents have struggled to serve contractors effectively.

Most agents work with a limited set of carriers and rely on outdated processes that create delays when contractors need speed. The result? Contractors either settle for coverage that doesn’t fit their needs or waste valuable time dealing with slow, manual processes.

We founded ContractorNerd because contractors deserve an agent who understands their business and has the tools to serve them properly.

We’ve built the insurance agent experience contractors actually want: access to more contractor-specialist carriers than traditional agents offer, delivered through technology that works as efficiently as contractors do. This isn’t about replacing the agent relationship—it’s about making that relationship more valuable through better tools and specialized expertise.

Our success is measured by how much time and frustration we save contractors while connecting them with better coverage options. We’re the insurance agent that works at the speed of your business.

Charlie & Curran

WE’RE 100% DEDICATED TO BUILDERS

Our Mission

Our mission is to be the insurance agent contractors trust to save them money and boost profits through smarter coverage. We leverage technology and specialized carrier relationships to deliver the right protection at fair prices faster than any traditional agent.

Our Team

    Charlie is an expert at the intersection of insurance and technology. As a founding executive at Embroker, he drove the insurance startup to over $100M in premium run rate by leading strategy, building growth channels, and launching digital insurance products. At ContractorNerd, he brings his passion for helping small businesses.

    Licensed Insurance Producer (P&C)
    CA License #: 4410545

    Co-Founder

    Charlie Hughes
    LinkedIn

    Curran is an expert at digital insurance and SEO. As an entrepreneur, he established a portfolio of websites covering a variety of personal auto insurance topics and outranked industry giants like GEICO. At ContractorNerd, he brings his passion for digital insurance and marketing to builders.

    Licensed Insurance Producer (P&C)
    CA License #: 4458316 – Licensed as David Curran Clark Jr.

    CO-Founder

    Curran Clark
    LinkedIn

    John is a leading expert in contractor insurance and bonds with over 30 years of experience. As the founder of SBAbonds.com, he pioneered digital sales in the industry and earned the title of U.S. Small Business Administration (SBA) Surety Bond Producer of the Year. His passion for the field shines through as the editor of ContractorNerd, where he simplifies complex insurance topics for professionals.

    Editor

    John Hughes
    LinkedIn

License Information

ContractorNerd is a brand of Orca Ventures Insurance Services, LLC. Licensed in California (CA #6015566)

ContractorNerd is a partner of Orca Ventures Insurance Services, LLC, a property and casualty independent insurance agency licensed in all 50 states. All insurance requests and servicing are supported by licensed agents at Orca Ventures Insurance Services, LLC and its partners. The agency specializes in providing commercial insurance to contractors through proprietary technology that enables instant quote generation and policy binding. All insurance quotes, policy binding, and transactions are conducted exclusively by Orca Ventures Insurance Services, LLC as the licensed insurance agency.

Licensing Information

Insurance Licensing Status

Orca Ventures Insurance Services, LLC maintains active property and casualty insurance licenses in all 50 United States.

State License Number License Type Status
Alabama3003590599Property & CasualtyActive
Alaska3003607837Property & CasualtyActive
Arizona3003583888Property & CasualtyActive
Arkansas3003583884Property & CasualtyActive
California6015566Property & CasualtyActive
Colorado888174Property & CasualtyActive
Connecticut3003595817Property & CasualtyActive
Delaware3003594773Property & CasualtyActive
FloridaL131555Property & CasualtyActive
Georgia240460Property & CasualtyActive
Hawaii3003595799Property & CasualtyActive
Idaho3003596225Property & CasualtyActive
Illinois3003585678Property & CasualtyActive
Indiana4113308Property & CasualtyActive
Iowa3003595816Property & CasualtyActive
Kansas3003595811Property & CasualtyActive
KentuckyAgent # DOI-1393882Property & CasualtyActive
Louisiana1204204Property & CasualtyActive
MaineAGN512635Property & CasualtyActive
Maryland3003591475Property & CasualtyActive
Massachusetts3003658686Property & CasualtyActive
Michigan154325Property & CasualtyActive
Minnesota40971743Property & CasualtyActive
Mississippi15052265Property & CasualtyActive
Missouri3003584599Property & CasualtyActive
Montana3003592404Property & CasualtyActive
Nebraska3003595814Property & CasualtyActive
Nevada4100123Property & CasualtyActive
New Hampshire3003583951Property & CasualtyActive
New Jersey3003583926Property & CasualtyActive
New YorkBR-1912259Property & CasualtyActive
North Carolina3003585586Property & CasualtyActive
North Dakota3003592517Property & CasualtyActive
Ohio1652746Property & CasualtyActive
Oklahoma3003595797Property & CasualtyActive
Oregon3003664811Property & CasualtyActive
Pennsylvania1243737Property & CasualtyActive
Rhode Island3003595812Property & CasualtyActive
South Carolina3003585430Property & CasualtyActive
South Dakota10033111Property & CasualtyActive
Tennessee3003585602Property & CasualtyActive
Texas3318819Property & CasualtyActive
Utah1068679Property & CasualtyActive
VermontInsurance Producer # 3003590859Property & CasualtyActive
Virginia162901Property & CasualtyActive
Washington1305907Property & CasualtyActive
West Virginia3003595836Property & CasualtyActive
Wisconsin3003585452Property & CasualtyActive
Wyoming627344Property & CasualtyActive

License Verification: All licenses can be verified through each state’s Department of Insurance website or the National Insurance Producer Registry (NIPR).

Insurance Market Access

Comprehensive Market Network

Orca Ventures Insurance Services, LLC offers quotes through the ContractorNerd platform using a unique combination of distribution channels. The agency has access to over 20 different markets through both digital and traditional insurance options.

Digital Insurance Options via API

Orca Ventures Insurance Services, LLC provides quotes through direct API connections to carriers

  • Real-time pricing and binding for General Liability and Workers’ Compensation
  • Professional Liability and Tools & Equipment available via endorsement
  • Automated certificate generation available 24/7
  • No human intervention required for standard risks

Tech-Enabled Traditional Insurance Options

Orca Ventures Insurance Services, LLC uses digitally collected data to streamline admitted carrier submissions

  • Automated workflows accelerate E&S market access through wholesale partners
  • Licensed agents at Orca Ventures leverage technology to reduce typical processing from 3-5 days to 1-2 business days
  • Digital documentation and tracking throughout the traditional placement process
  • Human expertise combined with technological efficiency
Distribution Channel Access Type Processing Time Best For
Digital/APIInstant automated3 minutes GL, WC (+ endorsements)
Admitted CarriersTech-enabled agent1-2 business days Auto, Property, other commercial
E&S Markets via WholesalersTech-enabled broker1-2 business days High-risk or unique exposures

Coverage Capabilities

Coverage Type Digital Instant Quote Full Agency Support
General LiabilityYes – Primary Digital OfferingYes
Workers’ CompensationYes – Primary Digital OfferingYes
Professional LiabilityYes – Via EndorsementYes
Tools & EquipmentYes – Via EndorsementYes
Commercial AutoTech Enabled Agent SupportedYes
Commercial PropertyTech Enabled Agent SupportedYes
Cyber LiabilityTech Enabled Agent SupportedYes
Umbrella/ExcessTech Enabled Agent SupportedYes

Service Model: Through the ContractorNerd platform, contractors of all sizes can access insurance programs provided by Orca Ventures Insurance Services, LLC that are tailored and cost-effective for all major coverages. General Liability and Workers’ Compensation are the primary digital offerings, with Professional Liability and Tools & Equipment available via endorsement. Tech-enabled agent support provides access to all commercial and property insurance needed by contractors.

Learn More: Visit our Insurance Coverages page for detailed information about each product and our For Contractors page to see solutions tailored to your specific trade.

Frequently Asked Questions

Company and Licensing Questions

Q: What is the relationship between ContractorNerd and Orca Ventures Insurance Services?
A: ContractorNerd is a partner of Orca Ventures Insurance Services, LLC. ContractorNerd provides the technology platform and marketing, while Orca Ventures Insurance Services, LLC, as the licensed agency, provides all insurance quotes, binds policies, and handles all insurance transactions. This is not a DBA relationship but rather a strategic partnership where ContractorNerd operates as a distinct entity while Orca Ventures conducts all regulated insurance activities.
Q: Is ContractorNerd a licensed insurance agency?
A: No, ContractorNerd is not a licensed insurance agency. ContractorNerd operates as a technology platform partner of Orca Ventures Insurance Services, LLC, which is the licensed property and casualty insurance agency in all 50 United States. All insurance quotes, binding, and transactions are conducted exclusively by Orca Ventures through their licenses.
Q: Can I verify the insurance licenses?
A: Yes, all licenses held by Orca Ventures Insurance Services, LLC can be verified through state Department of Insurance websites or through the National Insurance Producer Registry (NIPR) at www.nipr.com.

Market Access and Coverage Questions

Q: How many insurance markets does ContractorNerd have access to?
A: Through the ContractorNerd platform, Orca Ventures Insurance Services, LLC and their network of insurers and wholesalers provide access to over 20 different markets specifically tailored for contractors.
Q: Is ContractorNerd an insurance company/carrier?
A: No, neither ContractorNerd nor Orca Ventures Insurance Services is an insurance carrier. Orca Ventures Insurance Services, LLC is an independent insurance agency that places coverage with established insurance carriers. ContractorNerd provides the technology platform, while Orca Ventures conducts all insurance transactions. The actual insurance policies are underwritten and issued by the carrier partners.
Q: What makes ContractorNerd different from traditional insurance agents?
A: The ContractorNerd platform enables Orca Ventures Insurance Services, LLC to provide instant access to a panel of contractor-friendly insurance carriers through technology, delivering quotes in 3 minutes for digital products. Even for traditional admitted and E&S placements, the tech-enabled process reduces typical 3-5 day turnarounds to just 1-2 business days. With access to 20+ markets, this approach offers more options than most traditional agents who typically work with fewer carriers.

Operational Questions

Q: How does ContractorNerd work with both digital and traditional insurance options?
A: Orca Ventures Insurance Services, LLC offers instant quotes through API connections via the ContractorNerd platform for General Liability and Workers’ Compensation, with Professional Liability and Tools & Equipment available as endorsements. Instant access to multiple contractor-friendly insurance carriers through the ContractorNerd platform enables Orca Ventures Insurance Services, LLC to serve contractors better than traditional insurance agents by providing faster service (minutes vs. days), more market options (20+ markets), transparent pricing comparison, and 24/7 availability. For Commercial Auto, Property, and other coverages, the tech-enabled process leverages digital data collection and automated workflows to access admitted carriers and E&S markets through wholesale partners in just 1-2 business days – much faster than traditional 3-5 day processes.
Q: Which coverages can I get instant quotes for?
A: Orca Ventures Insurance Services, LLC provides instant quotes through the ContractorNerd platform for General Liability and Workers’ Compensation as primary digital offerings, with Professional Liability and Tools & Equipment available via endorsement during the digital quote process. For Commercial Auto, Commercial Property, Cyber Liability, and Umbrella coverage, the tech-enabled agent support process typically delivers quotes from admitted carriers and E&S markets within 1-2 business days through wholesale partners.
Q: How does ContractorNerd make money?
A: Orca Ventures Insurance Services, LLC, as the licensed insurance agency, receives commissions from insurance carriers when policies are sold. These commissions are built into the insurance premiums and do not result in additional charges to customers. ContractorNerd’s compensation is based on its partnership agreement with Orca Ventures.

Contact Information

Customer Service
877-455-3999
Email
support@contractornerd.com
Hours
Platform: 24/7
Agent Support: M-F 8am-8pm EST
Department Contact Method Availability
General Inquiriesinfo@contractornerd.com24/7 response within 24 hours
Partner Relationspartners@contractornerd.comBusiness hours
Carrier Relationscarriers@contractornerd.comBusiness hours
Media Inquiriesmedia@contractornerd.comBusiness hours

Physical Addresses

ContractorNerd Platform Address:
ContractorNerd
One Harbor Drive, Suite 300
Sausalito, California 94965
United States
Licensed Agency Address:
Orca Ventures Insurance Services, LLC
One Harbor Drive, Suite 300
Sausalito, California 94965
United States

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