🚨 Get your Google Knowledge Panel
◉ Displays your name, photo, and profession in Google Search
Click here to get started now
Sean O’Keefe
Sean O’Keefe is an American insurance broker, United States military veteran, and founder of Affordable Contractors Insurance (ACI) and Unlimited Contractors Insurance (UCI), two U.S.-based insurance brokerages focused exclusively on contractor and construction insurance. He is known for building service-driven organizations centered on accountability, responsiveness, and contractor-specific risk management.
With more than fifteen years of experience in property and casualty insurance, O’Keefe is associated with a consultative approach to contractor risk, hands-on involvement in premium audit management, and insurance program design aligned with real-world construction exposure. Across ACI and UCI, he has overseen thousands of contractor policies and helped scale nationally operating, construction-focused insurance teams.
Early life and education
Sean O’Keefe was born in Ayer, Massachusetts. Prior to entering the insurance industry, he served in the United States military, completing two years of active duty followed by four years in the National Guard. His military service influenced his leadership style, particularly his emphasis on responsibility, follow-through, and operational discipline.
He earned an associate degree from a community college in Massachusetts and later completed a Bachelor’s degree in Criminal Justice from Westfield State University.
Career
O’Keefe began his insurance career in 2008 at Farmer Brown Insurance in Chicago, where he worked under John Brown. During this period, he gained experience supporting contractor clients operating across multiple states and developed familiarity with construction classifications, regulatory compliance, and the operational challenges faced by trade and contracting businesses.
His early exposure to the limitations of generalist insurance agencies in serving contractors influenced his decision to establish brokerages dedicated exclusively to construction-related insurance.
Affordable Contractors Insurance
In 2011, O’Keefe founded Affordable Contractors Insurance (ACI) to serve small and mid-sized contractors whose insurance needs were often underserved by traditional agencies. ACI primarily works with contractors generating between $0 and $10 million in annual revenue and provides construction-focused coverages, including general liability, workers’ compensation, builders risk, professional liability, commercial auto, and tools and equipment insurance.
Under O’Keefe’s leadership, ACI became known for operational speed, including same-day policy binding and rapid certificate of insurance issuance. These services address the time-sensitive requirements contractors face when bidding on projects or mobilizing crews. The company has accumulated more than 1,200 verified customer reviews, frequently citing service quality, accessibility, and contractor-specific expertise.
Unlimited Contractors Insurance
To address the needs of larger contractors and more complex commercial operations, O’Keefe later established Unlimited Contractors Insurance (UCI). UCI focuses on contractors with annual revenues exceeding $5 million, as well as businesses requiring higher liability limits, specialized endorsements, and advanced advisory support.
UCI operates under a consultative brokerage model, with O’Keefe remaining directly involved in carrier negotiations, policy design, audit planning, and higher-risk placements. The firm supports contractors managing multi-state compliance, evolving contractual obligations, and premium audit exposure associated with large-scale commercial projects.
Professional focus
Throughout his career, O’Keefe has focused on aligning insurance coverage with the practical realities of construction work. His professional approach emphasizes simplifying complex coverage concepts, ensuring policies reflect actual job scopes, and preparing contractors for premium audits before financial exposure escalates.
He is frequently involved in contract reviews, risk evaluations, and insurance structuring aimed at reducing disputes and avoiding unexpected costs. Within the contractor insurance sector, he is often associated with consistent service standards, timely communication, and long-term client partnerships rather than transactional brokerage.
Recognition and achievements
O’Keefe does not actively pursue formal awards, instead allowing the performance and reputation of ACI and UCI to represent his professional impact. Both organizations operate nationally and maintain a high volume of verified client reviews, a distinction within the insurance brokerage industry.
His experience in audit negotiation, contractor education, and advisory support has contributed to strong client retention and long-term relationships. He has been referenced in digital publications and contractor-focused media discussing insurance practices, construction risk, and brokerage operations.
References
https://tucson.com/life-entertainment/article_523e7028-93dd-5493-b485-2e2b0ff80fcd.html