Insurance by
Contractor Business Type
At Affordable Contractors Insurance (ACI), we specialize in providing customized insurance solutions for contractors across various trades. Whether you’re a carpenter, electrician, or solar installer, we’ve got you covered.
WHY Choose ACI?
Contractor-Only Expertise
We insure contractors—and only contractors—so we understand your needs better than general providers.
Fast Certificates and Quotes
Get a quote in minutes, with same-day binding available.
Save Up to 25%
We have access to dozens of carriers and will find you the right coverage at the lowest cost.
Nationwide Support
No matter where your business operates, we provide state-specific insurance solutions to keep you compliant.
WhaT Our Clients Say
Industries We Cover
Roofers
Roofers face unique challenges, from high-elevation work to weather-related risks. Our specialized insurance protects roofers from liability, property damage, and potential injuries, keeping your team and projects safe.
- Protect against property damage, injuries, and equipment loss.
- Policies include liability insurance with high policy limits—critical in roofing where risk is high.
General Contractors
General contractors oversee entire projects and coordinate multiple subcontractors, which brings a wide range of liability exposures. Our policies provide broad protection for every stage of the construction process.
- Covers project-wide liability, property damage, and subcontractor issues
- Optional builder’s risk and umbrella liability coverage available
- Helps meet licensing and contract requirements
Builders
Builders handle structural work that must meet strict codes and timelines. Our insurance helps protect against the risks that arise during framing, foundation, and full builds.
- Safeguards against third-party injury and construction-related damage
- Includes tools and equipment protection on-site
- Coverage can scale with project size and scope
HVAC Contractors
From indoor water damage to equipment malfunctions, HVAC contractors face both property and liability risks. Our insurance solutions are tailored to keep your operations safe and compliant.
- Protects against water-related property damage and installation mishaps
- Includes coverage for tools, machinery, and job site liability
- Helps meet building code and permitting insurance requirements
Plumbing Contractors
Plumbers deal with high-risk situations like water leaks, pipe bursts, and system failures. Our insurance solutions protect your business from costly damages and liability claims.
- Covers water damage, faulty installations, and third-party property loss
- Includes protection for tools, parts, and job site equipment
- Helps meet insurance requirements for residential and commercial plumbing work
Electricians
Electricians handle live circuits, high-risk installations, and code compliance — all requiring specialized coverage. Our policies offer strong protection for both residential and commercial electrical work.
- Covers accidents, property damage, and fire-related liabilities
- Includes tools and equipment protection
- Helps meet electrical license and contract requirements
Excavation & Demolition Contractors
High-risk activities like digging, grading, and demolishing demand high-coverage policies. Our insurance protects against accidental utility strikes, structural collapse, and environmental damage.
- Covers heavy equipment liability and job site damage
- Protection against third-party injury and underground utility issues
- Optional environmental liability add-ons available
Carpenters
Carpenters work with sharp tools, precision materials, and custom builds — often in client homes or active job sites. Our insurance protects you from the common liabilities of your trade.
- Coverage for tool theft, job site injury, and property damage
- Policies include general liability and inland marine options
- Meets insurance standards for residential and commercial work
Restoration Contractors
Restoration professionals often enter damaged, high-risk environments. From mold remediation to fire restoration, we help you stay protected while rebuilding.
- Specialized coverage for water, fire, and mold-related risks
- General liability and pollution liability options available
- Workers’ comp and equipment protection for on-site safety
Tradesman
Independent tradespeople — from handymen to tile installers — need flexible coverage that travels with them. Our policies fit a variety of trades and job sizes.
- Protects against job site injury, damage, and client disputes
- Tools & equipment coverage available
- Affordable plans designed for solo contractors and small teams
Solar Contractors
Installing solar panels involves roof access, electrical work, and high-value equipment. We offer tailored protection for both installation and long-term performance risks.
- Coverage for panel damage, improper installation, and electrical issues
- General liability plus equipment and installer protection
- Meets commercial solar project insurance requirements
Concrete Contractors
From structural foundations to sidewalks, concrete work is prone to timing and weather risks. Our insurance helps mitigate issues with curing, cracking, and job site safety.
- Protection against property damage, delays, and liability claims
- Equipment and formwork coverage included
- Meets state and municipal project requirements
Metal Contractors
Working with welding tools, sharp materials, and structural frames, metal contractors need comprehensive liability and tool protection. We offer policies that fit both shop and field work.
- Covers property damage, equipment injury, and job site hazards
- Includes protection for fabrication tools and transport
- Ideal for structural steel, sheet metal, and ornamental work
Essential Insurance Coverages for Contractors
Our comprehensive insurance packages typically include:
General Liability Insurance
Protects against third-party claims of bodily injury or property damage.
Builder’s Risk Insurance
Covers buildings and materials during construction or renovation, protecting against damage from fire, weather, theft, and more.
Commercial Auto Insurance
Insures vehicles used for business purposes.
Workers’ Compensation
Covers medical expenses and lost wages for injured employees.
Tools & Equipment Insurance
Protects your tools from theft or damage.
Umbrella Insurance
Provides additional liability coverage beyond standard policies.
Ready to Protect Your Business?
Each contractor faces unique risks—don’t leave your business exposed. Speak to an ACI agent today to find the perfect insurance solution for your industry.