About us
Founded in 2011, ACI - Affordable Contractors Insurance - was built to serve the unique needs of contractors across the country. Headquartered in Scottsdale, Arizona, we proudly write in all 50 states, with a strong presence in Florida, Texas, California, Oregon, and Washington. We understand that no two contracting businesses are the same, which is why we offer personalized insurance solutions-not one-size-fits-all policies.
As a Trusted Choice® independent agency, we work with top-rated carriers to deliver the best options in the industry. Our specialties include General Liability, Workers' Compensation, Commercial Auto, Inland Marine, Heavy Equipment, Professional Liability (E&O), Pollution Liability, and Excess & Umbrella Liability. Whether you're a general contractor, artisan, or specialty trade, we take the time to understand your business so we can build the right coverage plan for you.
We know the trades. Our experienced team works hard to protect what you've built-offering knowledgeable service, fast turnaround, and real people who actually pick up the phone when you call. Our job is to make sure you have the coverage you need so you can focus on your work with confidence and peace of mind.
Your job needs tools. Your business needs ACI. Let's build your custom policy today.
What our clients are saying
"I have had an absolutely awesome experience with Ron and Tim Allred. They are very professional and helpful. They are always quick to respond to any questions I have. I enjoy doing business with them and Affordable Contractors Insurance. I highly recommend to anyone who needs help."
"Ron was able to get me a policy in less than an hour- absolutely incredible. He had my needs met before other companies even returned my call. Five stars. "
"I am a contractor in several states and my current insurance was raising my premiums as much as 20% a year even though I had never had a claim. I called Ron and asked him to quote me coverage. He got back to me quickly with premiums that was less then what I was paying 5 years ago. I've been a client now for over a year and Ron and his teams customer service is outstanding. I recommended anybody looking for insurance to contact Ron and his team. Kim also has helped our company getting a bond recently and did a great job!"
"Shawn was absolutely amazing finding us a builder's risk policy last minute!! Took him about 15 minutes to get a company to insure us in Florida. I highly recommend this company for your insurance needs! Thank you again!"
"I had a great experience working with Shawn! He helped me secure a general liability policy in just a couple of hours, which was a huge relief. Shawn was professional, efficient, and made the whole process smooth and stress-free. Highly recommend if youre looking for quick and reliable service!"
"We have used Affordable Contractors for all our insurance policies for the past 4 years. These guys are great! Ron and his team go above and beyond to make sure things are painless and run smoothly. I would definitely recommend! We refer all of our new sub crews to them as well. You wont find anyone better in the business than Ron. Very knowledgeable. "
"Shawn was very professional and extremely helpful. He answered every question asked and was super knowledgeable. He helped us pick out an insurance coverage that was a great fit and affordable. I would highly recommend him to anyone. "
"I recently secured a builder's risk policy for my business, and I couldn't be more satisfied with the experience. My agent Ron was incredibly responsive, answering all of my questions with clarity and addressing every one of my requests quickly and efficiently. The level of professionalism and expertise they displayed made what could have been a complicated process seamless and stress-free. I felt confident in their guidance, knowing that my business was in good hands. I highly recommend to anyone needing reliable and attentive insurance services"
"Highly recommend!!! Corey Sheridan with Affordable Contractors Insurance is the man to call. Every part of this process has been completely painless. Our company and customers couldn't feel safer with our coverage!"
"Joe Henessey is Mr. On the spot always reachable was very transparent in detailing all coverages in policy option & was just generally a pleasure to work with! Not to mention he helped us save a lot of money with this transition from our old carrier. Do yourself a favor & call Mr. Henessey today you wont regret it!!!!!"
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Commercial Lines insurance professionals
Ask me about these types of insurance...
An independent insurance agent will make sure that your business is covered in the event of a catastrophe or sudden loss.
Request a business insurance quoteIf a data breach does happen, it's a wise decision to have a cyber liability insurance policy to help your company stay secure.
Request a cyber liability quoteIf you need a comprehensive malpractice insurance policy, contact our independent insurance agent office. We can provide the right policy for your needs.
Request a malpractice insurance quoteWhy choose Affordable Contractors Insurance
States we serve
- Alabama
- Alaska
- Arizona
- Arkansas
- California
- Colorado
- Connecticut
- DC
- Delaware
- Florida
- Georgia
- Hawaii
- Idaho
- Illinois
- Indiana
- Iowa
- Kansas
- Kentucky
- Louisiana
- Maine
- Maryland
- Massachusetts
- Michigan
- Minnesota
- Mississippi
- Missouri
- Montana
- Nebraska
- Nevada
- New Hampshire
- New Jersey
- New Mexico
- New York
- North Carolina
- North Dakota
- Ohio
- Oklahoma
- Oregon
- Pennsylvania
- Rhode Island
- South Carolina
- South Dakota
- Tennessee
- Texas
- Utah
- Vermont
- Virginia
- Washington
- West Virginia
- Wisconsin
- Wyoming
Our insurance coverages
Business insurance coverage
- Bonds
- Builders Risk
- Business Owners Package (BOP)
- Business Vehicle
- Contractors Equipment
- Cyber Liability
- Directors & Officers
- Employment Practices Liability
- Errors & Omissions
- General Liability
- Inland Marine
- Other
- Professional Liability
- Property
- Umbrella / Excess
- Workers' Compensation
Industries we serve
- Construction
- Utilities
Affordable Contractors Insurance Team
Affordable Contractors Insurance Reviews
Customer Reviews
I have had an absolutely awesome experience with Ron and Tim Allred. They are very professional and helpful. They are always quick to respond to any questions I have. I enjoy doing business with them and Affordable Contractors Insurance. I highly recommend to anyone who needs help.
Ron was able to get me a policy in less than an hour- absolutely incredible. He had my needs met before other companies even returned my call. Five stars.
I am a contractor in several states and my current insurance was raising my premiums as much as 20% a year even though I had never had a claim. I called Ron and asked him to quote me coverage. He got back to me quickly with premiums that was less then what I was paying 5 years ago. I've been a client now for over a year and Ron and his teams customer service is outstanding. I recommended anybody looking for insurance to contact Ron and his team. Kim also has helped our company getting a bond recently and did a great job!
Shawn was absolutely amazing finding us a builder's risk policy last minute!! Took him about 15 minutes to get a company to insure us in Florida. I highly recommend this company for your insurance needs! Thank you again!
I had a great experience working with Shawn! He helped me secure a general liability policy in just a couple of hours, which was a huge relief. Shawn was professional, efficient, and made the whole process smooth and stress-free. Highly recommend if youre looking for quick and reliable service!
We have used Affordable Contractors for all our insurance policies for the past 4 years. These guys are great! Ron and his team go above and beyond to make sure things are painless and run smoothly. I would definitely recommend! We refer all of our new sub crews to them as well. You wont find anyone better in the business than Ron. Very knowledgeable.
Shawn was very professional and extremely helpful. He answered every question asked and was super knowledgeable. He helped us pick out an insurance coverage that was a great fit and affordable. I would highly recommend him to anyone.
I recently secured a builder's risk policy for my business, and I couldn't be more satisfied with the experience. My agent Ron was incredibly responsive, answering all of my questions with clarity and addressing every one of my requests quickly and efficiently. The level of professionalism and expertise they displayed made what could have been a complicated process seamless and stress-free. I felt confident in their guidance, knowing that my business was in good hands. I highly recommend to anyone needing reliable and attentive insurance services
Highly recommend!!! Corey Sheridan with Affordable Contractors Insurance is the man to call. Every part of this process has been completely painless. Our company and customers couldn't feel safer with our coverage!
Joe Henessey is Mr. On the spot always reachable was very transparent in detailing all coverages in policy option & was just generally a pleasure to work with! Not to mention he helped us save a lot of money with this transition from our old carrier. Do yourself a favor & call Mr. Henessey today you wont regret it!!!!!
We prioritize honest feedback from our clients to assist future customers in making well-informed decisions. Our review section showcases authentic experiences from real customers. When a less-than-positive review is submitted, we share it with both the agent and the reviewer to foster collaboration and improvement based on constructive feedback. We also moderate reviews to remove inappropriate content or spam, upholding a high standard of trust and transparency.
