Acolite

Do I need workers' comp as a contractor?

Most states require it if you have W-2 employees on payroll. If you use 1099 subcontractors, in most states you can still be held liable for a sub's injury if they aren't carrying their own WC policy. Most GCs won't issue a contract to a sub without proof of WC. Tell us your payroll structure and we'll quote it correctly.

How fast can I get contractor insurance coverage?

Most contractors receive quote options within 2 business hours after we have the required underwriting information. For standard general liability, we can often bind coverage same day after carrier approval and payment. Builder's risk for active projects is typically bound in 1-2 days.

My GC sent me a contract with an insurance schedule I don't understand. Can you help?

GC contracts often require specific coverage changes, primary/non-contributory wording, additional insured status, or waiver of subrogation on your GL policy. Send us the insurance schedule and we'll tell you exactly what you need and whether your current policy already covers it.

Do you write contractor insurance in my state?

We serve contractors in all 50 states through appointed carrier partners and surplus-lines markets, and we confirm carrier availability for your state and trade before presenting options.

How do you get better pricing than my current insurance broker?

We shop your risk across 10+ carriers in real time, in parallel. Most brokers work with two or three, we run every market we hold on every submission, which means more competition and better terms for you.

What is a Certificate of Insurance (COI) and how do I get one?

A COI is a one-page document that proves you have insurance, GCs and project owners require it before you can work on a job. Once you're bound and holder details are available, we typically issue COIs in under 60 seconds.

Can I add additional insureds to my contractor policy?

Absolutely. Adding a GC, property owner, or lender as an additional insured is standard practice and something we handle as part of your policy setup, or anytime a new project requires it.

What if I have claims history or past losses?

Claims history doesn't automatically disqualify you. We work with carriers that specialize in non-standard risks and can often still find competitive coverage, even with past claims.