Source: Carrier website and product data
BTIS: Electrical Contractors Insurance Appetite
BTIS can write electrical contractors accounts but this is not a focus segment – best used when the account has other lines already placed with BTIS or when primary markets have declined. As an MGA, BTIS can access multiple carrier panels – helpful when the electrical contractors account has unusual exposures that standard markets decline. Fire from electrical work is the top completed operations risk – carriers scrutinize 5-year loss history carefully
Available Lines
| Line of Business |
|---|
| General Liability |
| Commercial Property |
| Workers' Compensation |
| Commercial Auto |
| Umbrella/Excess |
| Inland Marine |
Premium Range
$6,500-$30,000
Typical annual premium
Target States
Most states (varies by carrier)
Key Features
- Workers' Comp program – Workers' compensation coverage through multiple A-rated carriers for constructio for electrical contractors class codes
- BTIS provides broad completed operations covering fire claims from wiring errors discovered years later
- BTIS provides competitive rates for licensed master electricians with clean loss history
- BTIS provides inland marine covering specialized testing equipment and tools
Limitations
- Electrical Contractors is not a target class for BTIS – expect longer underwriting timelines and less flexible eligibility
- High-voltage line work (above 440V) is typically excluded from standard contractor programs
- Solar panel installation may require separate endorsement or specialty program
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