Victory Artisan General Liability Insurance from BTIS (Builders & Tradesmen’s Insurance Services, Inc.) is designed to help small contractors and artisan tradesmen access quality, affordable coverage. Available in 40 states and backed by A-rated carriers, this program is ideal for agents and brokers looking to place business for small to mid-sized contractors—even those who are new to the industry or have coverage gaps.
Ideal Accounts and Appetite
This program targets a wide range of artisan contractors and small construction businesses. With 45 eligible classifications, it’s an excellent fit for:
- General contractors
- Electricians
- Plumbers
- Carpenters
- Painters
- Handypersons and repair specialists
Accounts with no prior insurance, new ventures, and those with a lapse in coverage are all acceptable—making this a flexible option for agents working with emerging businesses or underserved markets.
Coverage Highlights and Advantages
The Victory Artisan GL program offers a range of features that help protect small contractors from third-party liability risks:
- Admitted coverage through A-rated carriers
- Faulty Workmanship endorsement available
- No Acord applications required—streamlined online submissions
- No additional fee for AI endorsements* (11 85 equivalent)
Whether your client is just getting started or has an established small operation, this program provides reliable protection with simplified access.
Underwriting Notes and Minimum Premiums
The minimum premium starts at $350, making this program highly accessible for smaller operations. Underwriting is streamlined, and most submissions can be processed entirely online with instant pricing—saving time and effort for busy agents.
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 supporting small business accounts and helping agents grow their book with competitive, fast-moving programs. Our Victory Artisan GL program reflects that commitment—with flexible underwriting, broad eligibility, and easy-to-use technology. Whether you’re looking to place a solo handyman or a small general contractor, BTIS makes the process efficient and agent-friendly.
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, and general handymen. New ventures and accounts with no prior insurance are also acceptable.
Is prior insurance required to qualify?
No, prior insurance is not required. Accounts with a lapse in coverage or no previous insurance history are eligible.
How can I submit an application?
All submissions are handled online—no Acord apps are needed. You can get instant pricing and submit directly through the BTIS platform.
What is the minimum premium for this program?
The minimum premium starts at $350, making it affordable for smaller artisan contractor operations.
In which states is this program available?
This program is available in 40 states, including CA, TX, FL, NY, and many others. Please refer to the full list above for details.
Need help placing an account? Connect with a market specialist.