BTIS Appetite Guide
BTIS appetite across 18 business classes. Available in all 50 states.
BTIS can place restaurant risks through their network of 30+ carrier partners, giving agents access to multiple markets from a single submission. While restaurants are not a named specialty for BTIS, their broad carrier access means they can often find competitive pricing for standard restaurant classes. For small to mid-size restaurants, BTIS is a good secondary market to quote alongside direct carriers like Progressive or The Hartford. Agents should note that BTIS acts as an intermediary — policies are issued by the underlying carrier, not BTIS itself.
Preferred Appetite (4 classes)
preferredGeneral Contractors
General Liability · Workers' Compensation · Commercial Auto
preferredProfessional Services
General Liability · Professional Liability · Business Owners Policy (BOP)
preferredReal Estate
General Liability · Business Owners Policy (BOP) · Commercial Property
preferredLandscaping & Lawn Care
Business Owners Policy (BOP) · General Liability · Commercial Property
Standard Appetite (9 classes)
standardRestaurants
General Liability · Business Owners Policy (BOP) · Workers' Compensation
standardRetail Stores
General Liability · Business Owners Policy (BOP) · Workers' Compensation
standardTechnology Companies
General Liability · Professional Liability · Cyber Liability
standardHealthcare Offices
General Liability · Professional Liability · Workers' Compensation
standardCleaning Services
Business Owners Policy (BOP) · General Liability · Commercial Property
standardAuto Repair Shops
General Liability · Commercial Property · Workers' Compensation
standardBeauty Salons & Spas
Business Owners Policy (BOP) · General Liability · Commercial Property
standardAccounting Firms
Business Owners Policy (BOP) · General Liability · Commercial Property
standardLaw Firms
Business Owners Policy (BOP) · General Liability · Commercial Property
Limited Appetite (4 classes)
limitedManufacturing
General Liability · Workers' Compensation
limitedWholesale Distribution
General Liability · Workers' Compensation
limitedPlumbing Contractors
General Liability · Commercial Property · Workers' Compensation
limitedElectrical Contractors
General Liability · Commercial Property · Workers' Compensation
Need to check carrier appetite for a specific risk?
Try the Appetite Checker