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Builder's Risk
Materials, equipment, and structures during construction. Covers fire, theft, storm damage, and vandalism while the project is active.
Project-based
Acolite / Commercial Insurance for Contractors
Insurance built for contractors.
A licensed broker built for construction. We shop 10+ carriers and typically deliver quote options within 2 business hours after we have the required underwriting information.
New York · 202610+
Carriers shopped per quote
2 business hrs
Avg quote turnaround
<60s
Typical COI issuance
50
States served
01 Coverage
Every commercial line a contractor needs — priced for the work.
General liability, builder's risk, commercial auto, umbrella, workers' comp, and tools. We place each line with carriers who understand contractor risk, not generalists stretching a form.
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General Liability
Third-party bodily injury and property damage on the job site. Required by most GCs before work begins — often bound same day after carrier approval.
Most common ask · Read more →
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Commercial Auto
Work trucks and fleets. Placed with carriers who write contractor vehicle use correctly — not personal-auto carriers stretching the form.
Fleet or single unit
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Workers' Compensation
Employee injury medical expenses and wage replacement. Required in most states when W-2 employees are on payroll.
Required by most states
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Umbrella & Excess
Extra limits above GL and auto. Commercial contracts over $5M routinely require it — we build the policy to match your contract schedule.
Large contracts
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Tools & Equipment
Theft, damage, and equipment breakdown — on site, in the truck, or in transit between jobs.
Inland marine
02 Process
From first message to a bound policy — as early as same day.
Three steps. No forms in triplicate, no waiting a week for a call-back.
Step01
Tell us your trade
Your trade, project types, annual revenue, and current carrier (if any). Takes under five minutes.
Step02
We shop 10+ carriers
Quote options filtered for your trade, state, and project profile. Typically sent back within two business hours after we have the required information.
Step03
Bind & issue COI
Many standard risks can bind same day after carrier approval and payment. COIs are typically issued in under 60 seconds once holder details are available.
Licensed & Credentialed
A licensed construction insurance broker — not a lead-gen site.
Serving all
50 states.
Licensed commercial insurance broker. Coverage placed in all 50 states through appointed carrier partners and surplus-lines markets.
Placement markets
Admitted + E&S.
We place coverage across admitted carriers and excess & surplus-lines markets. The specific carrier appears on every quote we send, so you always know who is writing your policy.
The difference
One broker. One phone number.
No call centers, no hold music, no transfers.
Automated platforms quote one carrier. Traditional brokers work two or three. We run your submission in parallel across every market we hold — on every quote and every renewal — and your broker picks up when you call.
Serving all 50 statesEst. 2025Based in New York
03 By trade
Contractor insurance by trade — every one gets a broker who knows the work.
Tell us your trade. We'll price it correctly.
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.
Mechanical workHVAC Contractors
Built around refrigerant handling, service work, and mechanical contracting exposures.
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 →
04 Frequently asked
Questions contractors ask before they call.
Every answer is what we'd say on the phone — no jargon, no filler.
Most contractors receive quote options within 2 business hours after we have the required underwriting information. For standard GL, we can often bind coverage same day after carrier approval and payment. Builder's risk for active projects is typically bound in 1–2 days.
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 serve contractors in all 50 states through appointed carrier partners and surplus-lines markets. Tell us where your work is happening and we’ll confirm carrier availability for your trade.
We shop your risk across 10+ carriers in real time, in parallel. Most brokers work with two or three; we run every market we hold on every submission, which means more competition and better terms 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 and holder details are available, we typically issue COIs in under 60 seconds.
Yes. 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.
05 Request a quote
Get contractor insurance quotes, typically within 2 business hours.
Tell us your trade. We shop 10+ carriers and typically send quote options back within 2 business hours after we have the required information. No fee. No obligation.
Got it — we'll be in touch within 2 business hours.