Acolite

Acolite is a licensed insurance broker, not a carrier, and that framing matters for how you evaluate it. Its pitch is straightforward: you reach a licensed broker directly — the site names Daniel as the person most callers talk to — and behind that human sits automation that shops 10+ carriers in parallel. Acolite says most brokers work with two or three. More carriers means more competition on terms, and that's the mechanism behind its claim of better pricing. Strengths. Speed is concrete: quote options typically within two business hours once underwriting information is in hand, standard General Liability often bound same day, Builder's Risk for active projects typically bound in one to two days, and COIs typically issued in under 60 seconds after binding and holder details are received. The free COI rejection checker is genuinely useful — instead of guessing whether a certificate will pass a GC's review, you upload your policy and get an instant grade. The guides section is unusually substantive for an insurance site: it explains NY action-over coverage and the Scaffold Law, CG 20 10 vs CG 20 37 additional insured endorsements, the Texas Anti-Indemnity Act (Ins. Code §151.102), NY grave injury and WCL §11, Pennsylvania Act 72, the CSLB workers' comp exemption (including the SB 216 additions and the 2028 mandate), and Florida ghost policies. That's the kind of clause-level detail contractors actually get rejected over. Coverage breadth is solid for the trades it targets: GL, Workers' Comp, Builder's Risk, Commercial Auto, Umbrella & Excess, and Tools & Equipment inland marine, plus stated specialty lines like CSLB WC Exemption, Non-Subscriber, and Ghost Policy. It serves all 50 states and is available 24 hours, Sunday through Friday. Quotes are free and no-obligation — Acolite is paid by the carrier when you bind. Weaknesses and honest gaps. Pricing is contact-only: there is no published rate card, so you can't comparison-shop on price without calling. There's no self-serve binding, no mobile app, and no API — if you want to click-to-buy a policy at 2 a.m. without talking to anyone, this isn't that, and the seed data confirms those are intentional exclusions rather than oversights. Carrier availability varies by trade and state, so "all 50 states" doesn't guarantee your specific trade is written everywhere on day one. The 24/7 window ends Friday, so weekend coverage is limited. Founded in 2025, Acolite is young — you're trusting a newer brokerage with your coverage, though it is licensed and carrier-appointed, and it works with non-standard risks and claims history rather than auto-declining them. Where it fits. Small to mid-size contractors who need coverage fast but also need someone to decode a GC's insurance schedule. Roofers, general contractors working multi-state, and electrical/HVAC/plumbing shops are the core. It's a strong fit if you've ever been handed a contract with primary/non-contributory, additional insured, and waiver of