Insurance built
for contractors.
We shop 50+ carriers and deliver real quotes in 2 hours.
Your trade, your project type, and your state all affect your rate.
Here's every type of coverage we place — matched to what contractors actually do on the job.
General Liability
If someone gets hurt on your job site or you damage a client's property, GL pays the claim. Required by most GCs before you start — coverage typically bound same day.
Builder's Risk
Materials, equipment, and structures on site — from groundbreaking to final inspection. Covers fire, theft, storm damage, and vandalism while the project is active.
Commercial Auto
Your trucks and work vehicles — from a single van to a full fleet. We place with carriers who write contractor vehicle use correctly, not personal-auto carriers trying to stretch their form.
Umbrella & Excess
An extra layer above your GL and auto limits. Commercial contracts over $5M routinely require it — we build the policy to match your contract's specific insurance schedule.
Tools & Equipment
Coverage for theft, damage, and equipment breakdown — on site, in the truck, or in transit between jobs.
From your first message to a bound policy.
Tell us your trade
Your trade, project types, and annual revenue. Takes under 5 minutes.
We compare 50+ carriers
Filtered for your trade and state — real quotes, not estimates.
Bind coverage same day
Most contractors bind the same day. COIs typically issued in under 60 seconds. We re-shop at every renewal.
We run your info through 50+ carriers. Every quote. Every renewal.
Get a Quote| Automated platform | Traditional broker | Acolite | |
|---|---|---|---|
| Quote speed | Minutes | Days to a week | 2 hours |
| Carriers compared | 1 (their underwriting) | 2–3 preferred | 50+ every quote |
| Trade-specific pricing | Generic contractor rate | Varies | Matched to your trade |
| COI issuance | 24–48 hours | 24–48 hours | Typically under 60 seconds |
| When you file a claim | Contact form or hold music | Depends on the broker | Your broker picks up the phone |
| Renewals re-shopped | Auto-renewed, rate goes up | Often sent to same carrier | 50+ carriers, every renewal |
Competitor columns reflect general market observations and do not refer to any specific named company.
Every contractor gets a broker who knows their trade.
Tell us your trade — we'll handle the rest.
Full ProgramGeneral Contractors
GL, builder's risk, auto, umbrella — full OCIP and CCIP program.
Trade-RatedElectricians
Priced for your actual work — not a generic electrical tier.
No ExclusionsHVAC Contractors
Covers refrigerant handling and mechanical work — no surprise exclusions.
Specialty GLRoofers
Roofing has the highest GL rates. We know who prices it fairly.
Completed OpsConcrete Contractors
Completed operations liability placed with carriers who write it correctly.
Equipment RiskExcavation & Site Prep
Equipment, utility damage, care/custody — risks most generalists miss.
We also cover plumbers, framers, drywall, painters, and more. Tell us your trade →
Get real quotes within 2 hours.
Tell us your trade — quotes back within 2 business hours.
Before you go — get a quote in 2 hours.
Drop your email and company name. We'll shop 50+ carriers and send your best options.
We never share your info. Licensed broker — coverage subject to carrier approval.
What contractors ask — and what they found.
“Had a claim after a break-in at the job site — tools gone, materials damaged. My broker picked up on the first call and had an adjuster on the phone the same afternoon. The claim was settled in 11 days.”
Individual results may vary.
“Our GC needed a COI update before we could start on Monday. Acolite had it done Sunday afternoon. That's the kind of broker you need when a job is on the line.”
Individual results may vary.
“Got our GL and builder's risk quoted in 2 hours. Saved $1,800 compared to what we'd been paying at renewal. Told every sub I work with to call them.”
Individual results may vary. Actual savings depend on prior premium, trade, and carrier selection.
“We were paying $14K a year for GL and had no idea we were overpaying until Acolite re-shopped it. Same limits, better carrier, $9,200. My old broker never even ran the comparison.”
Individual results may vary. Actual savings depend on prior premium, trade, and carrier selection.
Questions contractors ask before they call.
Most contractors get a quote within 2 hours. For standard GL, we can often bind coverage same day. Builder's risk for active projects is typically bound in 1–2 days.
This is one of the most common calls we get. GC contracts often require specific coverage changes — primary/non-contributory wording, additional insured status, or waiver of subrogation on your GL policy. Send us the insurance schedule and we'll tell you exactly what you need and whether your current policy already covers it.
Yes — we are licensed nationwide. We have carrier relationships across the country and know the specific filing requirements and markets for each state.
We shop your risk across 50+ carriers in real time. Most brokers work with 2–3 markets — we cast a much wider net, which means more competition and lower rates for you.
A COI is a one-page document that proves you have insurance — GCs and project owners require it before you can work on a job. Once you're bound, we can issue a COI in under 60 seconds.
Absolutely. Adding a GC, property owner, or lender as an additional insured is standard practice and something we handle as part of your policy setup — or anytime a new project requires it.
Claims history doesn't automatically disqualify you. We work with carriers that specialize in non-standard risks and can often still find competitive coverage, even with past claims.
No. Getting a quote is completely free and there's no obligation to buy. We're only paid a commission by the carrier when you bind a policy — your quote process costs you nothing.