Insurance built
for contractors.for roofers.for painters.for GCs.for plumbers.for framers.for electricians.for HVAC.for concrete.for drywall.for excavators.
Real quotes in 2 hours. COIs typically in under 60 seconds.
A quote in 2 hours. Coverage bound the same day.
You're running a crew, managing subs, chasing GCs for payment, and trying to win the next bid. The last thing you need is a week of follow-up emails while your GC is waiting on your certificate.
Tell us your trade and approximate project size — we compare 50+ carriers and respond with real numbers within 2 hours. If you submit before noon, you typically have quotes back the same morning.
Illustrative example. Actual premiums vary by trade, payroll, and project size.
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.
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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.
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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.
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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.
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Tools & Equipment
Coverage for theft, damage, and equipment breakdown — on site, in the truck, or in transit between jobs.
Get a quote →From your first message to a bound policy.
Tell us about your work
Share your trade, what types of projects you take on, approximate annual revenue, and payroll. (Payroll is how carriers calculate your GL premium — we use it to get you an accurate number, not a ballpark.) Takes under 5 minutes.
We shop 50+ carriers for your trade
We run your information against 50+ carriers — filtered for your trade and state. You get real quotes from carriers who actually write your type of work.
Quotes in 2 hours, coverage bound same day
We call or email you with actual quotes within 2 business hours of submission. Most contractors bind coverage the same day. We handle the paperwork. You get back on the job.
COIs Typically in 60 Seconds
Your GC needs a certificate before you can start — we typically issue them in under 60 seconds on business days. A PDF in your inbox when you need it.
We Re-Shop Every Renewal
We compare 50+ carriers at every renewal — not just one.
Illustrative example. Actual premiums and savings vary by trade, payroll, and carrier availability.
Your Broker, On Call
One broker handles your quotes, renewals, coverage changes, and claims. Call them directly — not a ticket system, not hold music.
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 |
Every contractor gets a broker who knows their trade.
Tell us your trade — we'll handle the rest.
General Contractors
GL, builder's risk, auto, umbrella — full OCIP and CCIP program.
Electricians
Priced for your actual work — not a generic electrical tier.
HVAC Contractors
Covers refrigerant handling and mechanical work — no surprise exclusions.
Roofers
Roofing has the highest GL rates. We know who prices it fairly.
Concrete Contractors
Completed operations liability placed with carriers who write it correctly.
Excavation & Site Prep
Equipment, utility damage, care/custody — risks most generalists miss.
Subcontractors
COIs in under 60 seconds. GC listed as additional insured, handled.
Plumbers & Pipefitters
Completed operations for claims filed months after the work ends.
Framers & Drywall
Builder's risk covers lumber theft, plus guidance on GC policy overlap.
Get real quotes within 2 hours.
We run your info through 50+ carriers and come back with real numbers. Most contractors bind coverage the same day they get their quotes.
We quote by email first·We only call when you're ready·Licensed nationwide
Get real quotes within 2 hours.
Tell us your trade and we'll do the rest. Submit before 3pm on a business day — quotes back before end of day.
After 3pm or on a weekend? Submit now — quotes ready when your business day starts.
Questions contractors ask before they call.
Real questions from contractors — answered straight.
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.
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.
Three contractors. What they actually 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.