Acolite

Acolite is not another generic insurtech trying to replace brokers. It's a hybrid: AI does the quoting and COI generation, but you still talk to a real person. This works well for contractors who need speed but also want someone to interpret a GC's insurance schedule. The free COI rejection check is a smart hook — upload a policy and get an instant grade. That alone can save hours of back-and-forth. Where it bites: if you want a fully self-serve dashboard to manage policies and bind coverage without picking up the phone, this isn't it. You call or email. The website lists 24/7 availability Sunday to Friday, which means Saturday might be dead. For a roofer in Texas needing a COI on a Saturday afternoon, that's a problem. Compared to coverwallet or next insurance, Acolite offers more personalized service but less automation. contractor-focused brokers like biBer and AP Intego also exist, but Acolite's YC backing and transparent pricing (no broker fees) are advantages. We'd reach for Acolite when you're a small to midsize contractor with coverage needs across multiple states, and you value a human who knows construction insurance inside out.