Source: BTIS — Contractor Programs
BTIS: General Contractors Insurance Appetite
Contractors are BTIS's bread and butter — their gold-rated contractor program is one of the strongest MGA offerings in the market for small to mid-size general contractors and artisan trades. BTIS has deep expertise in construction class codes and can place difficult contractor risks that direct carriers decline. If you write contractors regularly, BTIS should be one of your primary submission outlets. The combination of broad carrier access and specialized underwriting makes BTIS particularly valuable for hard-to-place contractor classes like roofing, excavation, and concrete work.
Available Lines
| Line of Business |
|---|
| General Liability |
| Workers' Compensation |
| Commercial Auto |
| Inland Marine |
| Umbrella/Excess |
Premium Range
$3,000-$25,000
Typical annual premium
Target States
All 50 states
Key Features
- Gold-rated contractor program — BTIS's flagship specialty and strongest market
- Broad appetite for artisan and general contractors across all trades
- Inland marine and tools/equipment coverage through specialty carrier partners
- Competitive workers' comp placement for construction classes including high-hazard trades
- Umbrella capacity available for contractors needing limits above $1M
Limitations
- Large commercial GCs with over $20M in revenue may need direct carrier placement for best terms
- Wrap-up/OCIP programs are not available through BTIS — refer to Travelers or Zurich
- New ventures with zero loss history may face higher minimum premiums
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