Insurance built for Construction.

Licensed broker, 20+ carriers, all 50 states. COIs in under 60 seconds.

Acolite / Commercial Insurance for Construction

Coverage

Every line a contractor needs, priced for the work.

Tap a coverage to read the details, or call and we'll walk you through what fits your jobs.

General Liability

Third-party injury and property damage. Required by most GCs. Often bound same day.

Builder's Risk

Materials, equipment, and structures during construction. Fire, theft, storm, vandalism.

Commercial Auto

Work trucks and fleets, placed with carriers who write contractor vehicle use correctly.

Workers' Compensation

Employee injury medical and wage replacement. Required when W-2 employees are on payroll.

Umbrella & Excess

Extra limits above GL and auto. Routinely required on commercial contracts over $5M.

Tools & Equipment

Theft, damage, and breakdown. On site, in the truck, or in transit between jobs.

Frequently asked Questions contractors ask before they call.

How fast can I get covered?
Most contractors get quote options within 2 business hours after we have the underwriting information. Standard GL can often bind same day. Builder's risk for active projects is typically bound in 1 to 2 days.

My GC sent me a contract with an insurance schedule I don't understand.
Send it over. We'll tell you exactly what your GC is asking for and whether your current policy already covers it. Primary/non-contributory wording, additional insured status, waiver of subrogation, all standard asks we deal with daily.

Do you work in my state?
Yes. We serve contractors in all 50 states through appointed carrier partners and surplus-lines markets. Tell us where the work is and we’ll confirm carrier availability for your trade.

How do you get better pricing?
We shop 10+ carriers in parallel on every submission. Most brokers work with two or three. More competition means better terms.

How fast can I get a COI?
Once you're bound and we have the holder details, we typically issue COIs in under 60 seconds.

What if I have claims history?
Doesn't automatically disqualify you. We work with carriers that specialize in non-standard risks and can usually still find competitive coverage.

Is there a fee to talk?
No. Quotes are free, no obligation. We're paid by the carrier when you bind. Calling costs you nothing.

Talk to a broker

Pick up the phone. We'll quote your job.