Affordable Contractors Insurance

Contractor Insurance in All 50 States

Affordable Contractors Insurance (ACI) is an insurance agency focused on the construction sector. Its offerings target contractors of all trades and sizes, from small businesses to multi-million-dollar operations, and cover all 50 states. The agency presents itself as specializing in contractor policies and highlights that its programs allow meeting jobsite requirements, issuing certificates quickly, and avoiding coverage gaps.

Types of Contractors Served

ACI's portfolio covers a wide variety of trades. Among the profiles for which it offers coverage are roofers, general contractors, builders, HVAC installers, plumbers, electricians, excavators and demolition, carpenters, restoration contractors, solar installers, concrete contractors, metal erection and sheet metal, tradesmen, road work, and traffic control. The agency states that it also serves specialty trades that support these trades.

Available Coverages

The product catalog includes general liability, workers' compensation, commercial auto, excess and umbrella, professional and pollution liability, builder's risk, and tools and equipment insurance. These coverages aim to address the risks inherent to each project, such as property damage, workplace injuries, and contractual insurance requirements.

Services and Operations

ACI offers online quotes and certificate of insurance requests. The company states that it allows starting a policy with a down payment as low as 20% and that it can issue certificates the same day. It also mentions that its agents provide guidance to properly structure policies and comply with licenses, contracts, and COI requirements. The agency promotes savings of up to 25% compared to other providers and exclusive discounts.

Geographic Coverage

Coverage extends to all 50 states. The website highlights specific pages for Florida, Texas, California, Arizona, Colorado, Oregon, and Washington, suggesting a particular presence or focus in those areas, although service is nationwide.

Contractors Bonds

In addition to insurance, ACI offers contractors bonds, a common product in the construction sector to guarantee compliance with contractual obligations.

Client Resources

The site provides contractors with a blog, a claims submission guide, an insurance glossary, and an FAQ section. These materials aim to help policyholders understand their policies and manage procedures.

Ratings and Experience

The company has a rating of 4.9 out of 5 based on 682 reviews on Trustpilot. The testimonials collected mention the speed of issuing certificates of insurance and the service of agents such as Jillian, Kim Haley, Chris, and Bobby. ACI states it has more than a decade of experience helping contractors nationwide.