Acolite Insurance
Agency overview
About Acolite Insurance
Acolite Insurance is a construction-focused brokerage serving contractors in all 50 states. It works with appointed carriers and surplus-lines markets, shopping submissions across multiple insurers rather than underwriting policies itself. Its materials address general contractors and specialty trades, with state-specific guidance for markets including California, Florida, Texas, and Arizona.
At a glance
Agency highlights
Broad market access
The brokerage shops 10-plus carriers, including admitted and specialty markets.
Fast quote options
Complete submissions typically receive quote options within two business hours.
Rapid certificates
Bound clients can typically receive COIs in under 60 seconds.
Shopper fit
Why shoppers might consider Acolite Insurance
The clearest fit is a contractor whose insurance must align with job contracts, licensing rules, trade classifications, or unusual construction exposures. Acolite may also suit firms needing access beyond standard markets because of claims history, hazardous work, catastrophe exposure, or demanding project limits.
Agency support
How this agency can help
Review contract requirements
Send an insurance schedule to identify required limits, endorsements, and policy changes.
Check policy acceptance
Upload a policy for an instant assessment of potential COI rejection issues.
Review workers’ comp structure
Match payroll and operations to class codes and manage experience-mod factors at renewal.
Present safety controls
Document relevant loss-control measures and present them to prospective carriers.
Demonstrated specialties
Where this agency stands out
Construction contract alignment
Acolite demonstrates detailed construction-contract support, including review of additional-insured, primary and non-contributory, waiver, completed-operations, and excess-limit requirements. Its materials connect those terms to mobilization, certificate acceptance, and coverage placement for projects with demanding owners or general contractors.
Contractor workers’ compensation
The brokerage demonstrates specialized attention to contractor workers’ compensation through trade classification, experience-mod management, owner elections, subcontractor certificate exposure, and state licensing requirements. Its first-party guidance addresses California classifications, Florida exemptions and ghost policies, and Texas subscriber and non-subscriber structures.
Insurance offered
Coverages
Auto insurance
Builder's risk
Commercial auto
Contractor pollution liability
Flood insurance
General liability
Health insurance
Hired and non-owned auto
Occupational accident
Professional liability
Surety and bonds
Tools and equipment
Umbrella insurance
Wind and hail insurance
Workers’ compensation
Who this agency serves
Clients and risks served
Electricians
General contractors
HVAC contractors
Painters
Plumbers
Roofing contractors
How the agency can help
Services
Class-code review
COI and policy rejection review
Completed-operations/form review
Contract review
Experience-mod management
Safety/loss-control support
Waiver of subrogation support
Where coverage may be placed
Placement options
Admitted-market access
Excess and surplus lines
Specialty market access
Texas non-subscriber support
