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Affordable Contractors Insurance
Affordable Contractors Insurance (ACI) is a U.S.-based contractor insurance agency providing construction-focused insurance solutions to businesses operating across all 50 states. Founded in 2011 by insurance broker Sean O’Keefe, the company is headquartered in Scottsdale, Arizona and concentrates exclusively on the insurance needs of contractors, tradespeople, and construction firms.
ACI delivers contractor-specific coverage including general liability insurance, workers’ compensation, builders risk, commercial auto, and professional liability. The brokerage is known for supporting small and mid-sized contractors with fast policy binding, accurate certificates of insurance (COIs), and practical guidance on audits, classifications, and compliance requirements common in the construction industry.
Company Background
Sean O’Keefe established Affordable Contractors Insurance after identifying persistent gaps in how traditional insurance agencies served contractors. Beginning his insurance career in 2008, O’Keefe observed that many generalist brokers lacked working knowledge of construction exposures, subcontractor risk, workers’ compensation rules, and state-by-state insurance compliance.
ACI was created as a contractor-only insurance brokerage built around trade-specific underwriting and direct advisory support. Early operations focused on roofing contractors, general contractors, and skilled trades in regional markets. As contractor demand increased, the firm expanded nationally and invested in internal systems to streamline certificate issuance, policy adjustments, and renewals.
To serve contractors with more complex risk profiles, O’Keefe later launched Unlimited Contractors Insurance (UCI), a separate brokerage supporting larger commercial builders and high-revenue construction firms. While UCI operates independently, it complements ACI by addressing the needs of contractors whose projects or revenue exceed the typical small-to-mid-market range.
Insurance Operations
Affordable Contractors Insurance functions as a licensed property and casualty brokerage dedicated entirely to construction insurance. The firm helps contractors obtain coverage required to qualify for projects, meet contractual insurance obligations, and protect their operations from financial loss.
By working with multiple insurance carriers and underwriters, ACI is able to quote and bind contractor insurance policies across different trades, risk levels, and geographic regions. The brokerage places particular emphasis on operational efficiency, including same-day binding for eligible accounts and rapid certificate of insurance delivery—often required for jobsite access or bid approval.
ACI agents also assist contractors with payroll classification reviews, audit preparation, subcontractor documentation, endorsement requirements, and multi-state compliance challenges. These services are delivered nationally, reflecting the company’s contractor-focused licensing footprint.
Insurance Services for Contractors
Affordable Contractors Insurance provides a comprehensive range of construction insurance products, including:
- General liability insurance for residential and commercial contractors
- Workers’ compensation insurance for construction employees
- Builders risk coverage for structures under construction
- Commercial auto insurance for contractor-owned vehicles
- Tools and equipment insurance for jobsite and portable assets
- Professional liability and pollution coverage for qualifying contractor classes
- Umbrella and excess liability insurance for higher coverage limits
These services are structured around real-world contractor requirements such as COI compliance, subcontractor insurance verification, audit disputes, and insurance qualifications imposed by general contractors and project owners.
Client Base and Market Focus
Affordable Contractors Insurance serves contractors nationwide, working with general contractors, roofing companies, specialty subcontractors, tradespeople, and small commercial builders. The firm primarily supports businesses generating up to $10 million in annual revenue—an underserved segment often reliant on general commercial insurance agencies.
ACI’s positioning as a contractor-only insurance agency distinguishes it from broader commercial brokers. Its national reach, trade-specific underwriting approach, and focus on construction insurance compliance have increased visibility among contractors seeking specialized insurance guidance.
Reputation and Industry Standing
Affordable Contractors Insurance has accumulated more than 1,200 verified customer reviews across digital platforms. Contractor feedback frequently highlights the brokerage’s responsiveness, clarity, and reliability. Reviews often reference fast certificate turnaround, accessible agents, and consistent assistance with coverage questions and audit-related issues.
The company’s reputation has supported referral-driven growth and long-term client relationships across multiple states. Within contractor communities, ACI is commonly recognized as a dependable insurance partner for construction and trade businesses.
Media Mentions
Affordable Contractors Insurance and founder Sean O’Keefe have been featured in contractor-focused publications and industry media discussing insurance compliance, audit preparation, and coverage structuring. Coverage often references O’Keefe’s consultative approach and the company’s growth within the national contractor insurance market.
References
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