Hello! We're Acolite (acolite.ai) — an AI-native commercial insurance brokerage built for contractors and trade businesses. We pair licensed brokers with AI teammates so clients get specialist expertise at software speed: same-day COIs, faster quotes, and brokers who actually know your trade.

Forward an email or call your broker — Acolite handles the rest.

The problem

Construction insurance is getting harder.

Contractors are dealing with rising premiums, carrier pullback, stricter contract requirements, more certificate requests, workers’ comp audits, action-over exclusions, subcontractor risk, and project owners asking for very specific coverage language.

At the same time, most brokers still operate the old way: manual applications, slow turnaround, limited coverage review, and little visibility into whether a policy actually matches the contractor’s risk.

That creates real problems:

• Contractors overpay for coverage that may not protect them
• Contracts get delayed because COIs or endorsements are wrong
• Workers’ comp audits lead to surprise bills
• Gaps in GL, auto, umbrella, or subcontractor coverage show up only after a claim
• Business owners spend too much time chasing insurance instead of running jobs

What Acolite does today

Acolite combines the traditional relationship-driven brokerage model with AI behind the scenes.

We help contractors:

• Review existing policies and identify coverage gaps
• Shop general liability, workers’ comp, commercial auto, umbrella, excess, and other construction policies
• Compare quotes across carriers
• Analyze contracts and insurance requirements
• Check COIs, endorsements, additional insured language, waiver of subrogation, and primary & non-contributory requirements
• Prepare cleaner submissions so carriers can quote faster
• Navigate audits, renewals, and mid-term changes

Our goal is simple: help contractors get the right coverage at the right price, without the usual back-and-forth.

Who we serve

We’re starting with construction because the pain is obvious and urgent.

If you’re searching for contractor insurance, general contractor insurance, electrical contractor insurance, roofing contractor insurance, HVAC contractor insurance, concrete contractor insurance, solar contractor insurance, or workers’ comp for contractors, we can help.

Our ask

• If you’re a contractor, developer, or construction business owner, email me at daniel@acolite.ai — I’m happy to review your current insurance and see if we can improve it.
• If you’re a YC founder or friend of Acolite, introductions to contractors, GCs, developers, lenders, property owners, or construction-adjacent businesses are extremely helpful.