Customized Insurance for Contractors

Protect Your Business with
Affordable Contractors Insurance

Start your policy with as little as 20% down and same day certificates. Coverage available in all 50 states.

Your job needs tools. Your business needs ACI.

Easy Cert Request

ALL 50 STATES

Same Day Bind

Contractors Only

INSURANCE BY CONTRACTOR TYPE

We Serve Contractors of All Types

We serve contractors of all types — across the trades, across the job sizes.

From roofers to builders/general contractors, framers, excavators/grading crews, demo crews, concrete, HVAC, plumbing, electrical, and remodelers (plus the specialty trades that support them), we help contractors get the coverage they need to:

Start jobs faster (meet jobsite requirements)
Stay compliant (licenses, contracts, and COI requirements)
Keep work moving (fast certificates, correct endorsements, clean documentation)

Whether you’re new to the industry or running a multi-million-dollar operation, Affordable Contractors Insurance can tailor policies to fit your business.

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Roofers

Specialized business insurance for roofers—nationwide.

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Why Choose ACI?

Trusted by Contractors Nationwide

At Affordable Contractors Insurance, we know your business faces unique risks—and you deserve an insurance partner that truly understands your world.

For over a decade, we’ve helped contractors nationwide find the right coverage at the best rates, with service that’s fast, friendly, and reliable. We leverage our deep knowledge of contractor insurance across all 50 states to help you navigate complex regulations and structure policies correctly to avoid common pitfalls.

Specialized in contractor insurance nationwide—serving roofers, general contractors, and builders.
Competitive rates, exclusive discounts, and low down payments.
Easy online quotes and fast certificate requests.
Same-Day Policy Binding—never wait for coverage.

Get the Coverage You Need at a Great Rate

Save Up to 25% on Your Insurance Policy and Get the Proper Coverage.

WhaT Our Clients Say

      
 5.0724 reviews
 5.0
 724 reviews
 
 
 
   
 
 
       Tim P 
 
 
 Trustindex verifies that the original source of the review is Google. Sam was awesome, quick and efficient, and got me the best rates. 10 out of 10 recommend
  
 
      Geoff E 
 
 
 Trustindex verifies that the original source of the review is Google. Even though he probably isn’t a Michigan fan, Shawn sold me on it.  Getting the exact coverage for my new business is a big step. Excited to see what Affordable Contractors Insurance can do for us.
  
 
      Holly W 
 
 
 Trustindex verifies that the original source of the review is Google. I'd just like to note that if your looking to upgrade your business insurances for the new 2027 year,  these are the people to give a chance. Not only was the representative knowledgeable, they were very informative on the changes that have taken place this past year, and will help you understand them. Without even asking, they will inform you about your benefits, and how to use them. Again, than you for all of your help! 5 ☆!
  
 
      Frankie C 
 
 
 Trustindex verifies that the original source of the review is Google. Sam Salatino at affordable contractors insurance is an amazing Agent and person who is helpful, patient, efficient and goes above and beyond expectations. Someone I can trust and rely on when I have any questions or concerns. He always looks what’s best for the both parties . If I could hire him in my company I would . Great man I have zero complaints and I recommend his services any day to any contractor out there
  
 
      Tommy M 
 
 
 Trustindex verifies that the original source of the review is Google. ⭐⭐⭐⭐⭐ Highly Recommend Ron for Business Insurance!

I want to take a moment to give a huge shoutout to Ron! We’ve worked with him for our business insurance at Rapid Restoration Team, and he has been nothing but amazing. From the beginning, he’s been incredibly helpful, knowledgeable, and professional. He takes the time to explain things, provide valuable information, answer questions, and always keeps us in mind when new opportunities or options come up.

What really stands out about Ron is that he doesn’t just do his job and disappear. He follows up, stays in touch, and genuinely cares about helping business owners find the right coverage at a competitive price. That kind of customer service is hard to find these days!

If you’re a business owner looking for insurance, do yourself a favor and reach out to Ron. He makes the process easy, takes the stress out of finding coverage, and goes above and beyond to help his clients.

Ron, thank you for everything you’ve done for us and for always looking out for our business. We truly appreciate you!

If you need business insurance, Ron is definitely someone worth calling! Highly recommended!  👏
  
 
      Michael R 
 
 
 Trustindex verifies that the original source of the review is Google. Sam is quick and responsive.  I appreciate it.
  
 
      Diego E 
 
 
 Trustindex verifies that the original source of the review is Google. Excellent experience with Affordable Contractors Insurance\! Shawn was excellent at his job, professional, knowledgeable, and very helpful throughout the entire process\. He made everything easy to understand and helped me find the right coverage for my contracting business\. I truly appreciate his outstanding service and dedication\. I highly recommend Shawn and Affordable Contractors Insurance to any contractor looking for reliable service and affordable insurance options\!
  
 
      Yvonne S 
 
 
 Trustindex verifies that the original source of the review is Google. I’m Giving This Gentleman Shawn Jason Five Stars As An Exceptional Performance He has Done For Me Today. However These FIVE STARS DO NOTHING COMPARED TO THE FACT OF HIS PERFORMANCE!!! I Will Rather Give Him 10+10+10 And More!!
I’m so grateful to have him as My Agent for giving me the best advice and guidance in my business transaction All In One Day!!!
THANK YOU AGAIN AND AGAIN SHAWN!!!
GOD BLESS YOUR CAREER HERE WITH AFFORDABLE CONTRACTORS INSURANCE…
  
 
      Pedro V 
 
 
 Trustindex verifies that the original source of the review is Google. Shawn is always on top of everything when I call totally recommended him and affordable contractor insurance
  
 
      Justin C 
 
 
 Trustindex verifies that the original source of the review is Google. My agent Shawn Jason, with ACI has been very helpful during the whole process, I highly recommend him for your contractor liability insurance needs!

Affordable Contractors Insurance Coverage Types

Tailored Insurance programs  that Fit Your Business

Contractors face unique risks on every jobsite—from property damage and workplace injuries to strict insurance requirements written into construction contracts. Having the right insurance program isn’t just about protection; it’s often the key to getting approved for projects, meeting compliance requirements, and keeping work moving without delays. At Affordable Contractors Insurance, we specialize in contractor-focused insurance programs designed around how construction businesses actually operate.

Whether you run a small trade company or manage multiple crews, the right coverage helps you meet jobsite requirements, issue certificates quickly, and avoid costly coverage gaps. Our team helps contractors structure policies correctly from the start so they can stay compliant, protect their business, and qualify for more jobs.

Start your policy with as little as 20% down and save up to 25% compared to other providers.

General Liability Insurance

Protect your business from lawsuits and property damage claims.

Workers’ compensation Insurance

Get a range of specialized coverages to protect every aspect of your business

Commercial Auto Insurance

Cover employees who use your vehicles as part of your business.

Umbrella/Excess

Get higher limits for added protection.

Tools and Equipment Insurance

Protect your tools and equipment on the job site.

builder’s Risk Insurance

Safeguard your project and materials throughout the build.

Professional and PoLlution Liability Insurance

Covers professional liability and environmental liabilities such as clean-up costs, injury, and property damage.

Other Coverage

Get specialized protection for job-site theft, cyberattacks, and professional mistakes that basic policies leave out.

See How It All Fits Together

How Much Does Contractors Insurance Cost?

Several factors influence your insurance cost, including your trade, revenue, payroll, claims history, location, and the types of projects you take on. Coverage limits, endorsements, and jobsite requirements also affect pricing. Structuring policies correctly from the start can help contractors control costs while still meeting contract requirements and protecting their business.

Bundle your coverages for the best value and save even more. Start your policy with just 20% down. Get a free quote and save up to 25% on your policy in as little as 10 minutes.

(888) 505-9012

Nationwide Contractors Insurance by State

Get Affordable Coverage Near You

Affordable Contractors Insurance proudly serves contractors nationwide, including California, Texas, Florida, New York, and more. Looking for affordable contractors insurance near you? Contact us for a local quote.