Victory Artisan General Liability Insurance from BTIS (Builders & Tradesmen’s Insurance Services, Inc.) helps agents place affordable, admitted general liability for small contractors and artisan tradespeople. Offered in 40 states and supported by A-rated carriers, the Victory Artisan GL program is designed for small to mid-sized contractors — including new ventures and accounts with lapses or limited prior coverage — who need straightforward, reliable protection and fast online service.
Ideal Accounts and Appetite
This program targets a broad range of artisan contractors across 45 eligible classifications. It is an excellent fit for:
- General contractors (small-scale)
- Electricians
- Plumbers
- Carpenters
- Painters
- Handypersons and repair specialists
The program accepts accounts with no prior insurance, new businesses, and those with coverage lapses, making it a flexible option for agents serving emerging or underserved construction markets. For specialty or high-exposure trades, review the class list and underwriting guidelines to confirm eligibility.
Coverage Highlights and Advantages
Victory Artisan GL provides features tailored to contractors who need concise, admitted liability protection:
- Admitted coverage placed through A-rated carriers
- Faulty Workmanship endorsement available to address alleged workmanship-related claims
- Streamlined online submissions — no ACORD applications required
- No additional fee for AI endorsements* (11 85 equivalent)
These features make the program suitable for clients who need dependable third-party liability protection without heavy paperwork or long underwriting turnarounds.
Underwriting Notes and Minimum Premiums
The program is underwritten with speed and simplicity in mind. Minimum premium starts at $350, and most submissions receive instant pricing via the online portal. Underwriters will evaluate classification mix, payroll or gross receipts, and any prior loss history — but the appetite explicitly includes new ventures and accounts with prior gaps in coverage.
Territories and Availability
Victory Artisan General Liability Insurance is available in the following 40 states:
AL, AR, AZ, CA, CO, CT, DE, GA, IA, ID, IL, IN, KS, KY, LA, MA, ME, MI, MN, MO, MS, MT, NC, ND, NE, NH, NJ, NM, NV, OH, OK, OR, PA, SC, SD, TN, TX, UT, VA, WA, WI, WV, WY.
Why Work With BTIS?
BTIS specializes in placing small business construction accounts and helping agents grow their artisan book. The Victory Artisan GL program focuses on:
- Fast, agent-friendly online quoting and binding
- Access to admitted A-rated carriers for broader market acceptability
- Flexible underwriting that welcomes new ventures and accounts with prior lapses
Example fits:
- You have a sole-proprietor electrician with modest annual receipts and no prior coverage — the program can provide admitted GL with a low minimum premium and quick binding.
- You represent a small painting and carpentry crew expanding to multi-trade work — the available classifications and endorsements allow tailored coverage without complex applications.
Ready to explore eligible classes? Please click on our class list for a full recap of available classifications.
* (11 85 equivalent AI additional premium)
Frequently Asked Questions
What types of accounts are a good fit for this program?
This program is ideal for artisan contractors such as plumbers, electricians, painters, carpenters, and general handymen. New ventures and accounts with no prior insurance are also eligible.
Is prior insurance required to qualify?
No. Accounts with a lapse in coverage or no previous insurance history are acceptable; underwriters will review the overall risk profile and class mix.
How can I submit an application?
All submissions are handled online through the BTIS platform — no ACORD applications are needed. You can get instant pricing and bind eligible accounts quickly.
What is the minimum premium for this program?
The minimum premium starts at $350, making the program accessible for smaller artisan operations. Final pricing depends on classification, limits, and loss history.
In which states is this program available?
This program is available in 40 states. Refer to the territories listed above for the full state roster.
Need help placing an account? Connect with a market specialist.