Source: BTIS — Industry Knowledge
BTIS: Manufacturing Insurance Appetite
BTIS has minimal appetite for manufacturing risks. Their carrier partners can write GL and workers' comp for light manufacturing and assembly operations, but there is no dedicated manufacturing program with the product liability, equipment breakdown, and recall coverage that manufacturers need. Agents should use BTIS for manufacturing only as a last resort for light assembly operations that direct carriers have declined. For any meaningful manufacturing account, lead with CNA or Travelers, which both have specialized manufacturing underwriting units and broad product liability forms.
Available Lines
| Line of Business |
|---|
| General Liability |
| Workers' Compensation |
Premium Range
$3,000-$15,000
Typical annual premium
Target States
All 50 states
Key Features
- GL placement available for light manufacturing and assembly operations
- Workers' comp for small manufacturing operations through carrier partners
Limitations
- No dedicated manufacturing program or specialized product liability coverage
- Heavy manufacturing, chemical processing, and metalworking are generally excluded
- No inland marine, equipment breakdown, or product recall coverage through BTIS programs
- Mid-size and larger manufacturers should be placed with CNA or Travelers directly
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