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

      
 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!

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