Why do General Contractors need insurance?

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

Why do Builders need insurance?

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

Why do HVAC Contractors need insurance?

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

Why do Plumbing Contractors need insurance?

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

Why do Electricians need insurance?

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

Why do Excavation & Demolition Contractors need insurance?

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

Why do Carpenters need insurance?

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

Why do Restoration Contractors need insurance?

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

Why do Tradesmen need insurance?

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

Why do Solar Contractors need insurance?

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

Why do Concrete Contractors need insurance?

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

Why do Metal Contractors need insurance?

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

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

      
 4.9685 reviews
 4.9
 685 reviews
 
 
 
   
 
 
       Justin D 
 
 
 Trustindex verifies that the original source of the review is Google. Very responsive and quick with anything needed. Great company!
  
 
      Cheyenne A 
 
 
 Trustindex verifies that the original source of the review is Google. I have worked with ACI for several years, and they have consistently provided outstanding service. They are, without a doubt, one of the best insurance brokerages for all your insurance needs. Their team is knowledgeable, dependable, and easy to communicate with. What I appreciate most is that they take the time to educate you throughout the process, ensuring everything is clearly explained with no surprises or gray areas.
I would especially like to recognize Christina Bommarito for her exceptional service. She is professional, personable, respectful, and genuinely committed to her clients. You can trust that she'll be there when you need her, and she always goes above and beyond to provide the support and guidance you deserve. I highly recommend ACI to anyone looking for a trustworthy insurance brokerage.
  
 
      Julio R 
 
 
 Trustindex verifies that the original source of the review is Google. Shawn did a phenomenal job helping me with the business insurance for Lone Ranger Roofing. He took the time to shop multiple options and made sure we had the right coverage at a competitive price.

What really stood out was his level of customer service. He even helped me get a roof claim removed from our claims history after determining it was a false claim, which was a huge help.

Shawn was responsive, knowledgeable, and went well beyond what I would normally expect from an insurance broker. If you're a business owner looking for someone who will actually take the time to advocate for you and find the right coverage, I highly recommend Shawn.
  
 
      Rachel L 
 
 
 Trustindex verifies that the original source of the review is Google. Awesome experience. Easy to talk to regarding boring business stuff. Really went to bat for our small business. Highly recommend especially to small businesses owners. Will be passing his contact information around to any business owner that wants to save money but will receive a quality service and product
  
 
      Keith S 
 
 
 Trustindex verifies that the original source of the review is Google. Great guy very understanding and helps you in every way
  
 
      Greg M 
 
 
 Trustindex verifies that the original source of the review is Google. I ask for a COI and before I can even think about it they have a copy of it sent to me. I love this place.
  
 
      Eduardo L 
 
 
 Trustindex verifies that the original source of the review is Google. El señor Bobby brinda un  excelente servicio 100 % recomendado
  
 
      Thomas H 
 
 
 Trustindex verifies that the original source of the review is Google. Jillian really helped me throughout the process.  Great service and timely responses
  
 
      Bryan M 
 
 
 Trustindex verifies that the original source of the review is Google. Jillian was very helpful and friendly. Provided the prime example of excellent customer service.
  
 
      Sebera S 
 
 
 Trustindex verifies that the original source of the review is Google. Behalf of Sarmiento Concrete, LLC
Kim Haley with Affordable Contractor Insurance has been absolutely amazing to work with! She is always professional, helpful, and incredibly quick to respond whenever I need assistance, especially with Certificate of Insurance (COI) requests. I truly appreciate how dependable and efficient she is—it makes handling our business insurance needs so much easier. **Excellent customer service, and I highly recommend Kim!**

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.

Insurance by Contractor Business Type