Roofing & Contractors Insurance FAQ
Got Questions? We’ve Got Answers.
We know insurance can feel complicated. That’s why we’ve compiled answers to the questions we hear most often from contractors like you. At ACI, our goal is to make insurance simple, fast, and reliable, so you can focus on your work without worrying about coverage.
1. How Much Will My Insurance Coverage Cost?
Your premium depends on several factors, including:
- Type of work (roofing, HVAC, general contracting, etc.).
- Gross revenue and payroll size.
- Number of employees or subcontractors.
- State-specific requirements and risk levels.
A quick quote will give you a precise estimate for your business.
2. Can I Make Monthly Payments?
Yes! We understand cash flow is critical for contractors. With most of our policies you can start with a low down payment, and spread the remaining cost across monthly payments. With low financing options, we help you keep expenses manageable without compromising coverage.
3. What Payment Methods Do You Accept?
You can pay with:
- Visa or Mastercard, Amex, Discover
- Electronic checks (processed within 3–5 business days)
- Wire Transfers: We accept wire transfers. Ask us for instructions. Call toll-free: (888) 505-9012.
There are no transaction fees for e-check payments, but make sure to pay in advance to avoid delays.
4. How Quickly Can I Get Coverage?
We offer same-day policy binding, so you’ll be covered within 24 hours of submitting your information and down payment. Instant certificates are also available, ensuring you can start or continue projects without delay.
5. How Many Insurance Carriers Do You Work With?
6. How Do I Submit a Claim?
If an accident happens, contact ACI right away to start the claims process. We’ll guide you step-by-step and provide the necessary forms. Our team works with the carrier to ensure quick resolution and minimal downtime for your business.
7. Is It Hard to Get in Touch with an Agent?
Not at ACI. We don’t use automated menus—just real people who understand contractors. When you call, you’ll speak directly to a knowledgeable agent who can answer your questions and get things moving right away.
8. What steps should I take to prepare for an insurance audit?
Insurance audits are routine for contractors. Staying organized and proactive ensures smooth audits without surprises.
Tips for a Successful Audit:
1. Keep Payroll Records Clean: Ensure that subcontractor details, wages, and classifications are accurately recorded.
2. Track Equipment Usage and Ownership: Make sure tools, vehicles, and leased equipment are properly logged and insured.
3. Stay Updated on State Regulations: Changes in state laws can impact your insurance needs—let ACI help you adjust coverage in advance.
4. Review Your Policy Mid-Year: Avoid audit discrepancies by scheduling a mid-year policy check-in with ACI.
Still Have Questions?
Give us a call! Our agents are ready to help you understand your coverage options and answer any questions you have. Whether you’re starting a new policy or adjusting existing coverage, ACI is with you every step of the way.
Why Contractors Trust ACI
Customized policies
Only pay for the coverage you need
Competitive rates
Save up to 25% annually with bundles.
Fast quotes
Ongoing support
From mid-year check-ins to audits, we’re here to help.