Excess Coverage Solutions from BTIS
BTIS – Builders & Tradesmens Insurance Services, Inc. offers a streamlined Excess Liability solution built for speed, broad accessibility, and flexible placement. The BTIS Excess Programs are designed for contractors and other commercial clients who need higher limits over their existing General Liability policies. With access to both admitted and non-admitted A-rated carriers, agents can secure dependable excess limits in most states through a simple digital quoting platform.
Ideal Accounts and Appetite
This program is a strong fit for agents placing:
- Contractors working in residential, commercial, and artisan trades
- Accounts already written through BTIS’ Victory® Admitted or Non-Admitted General Liability programs
- Commercial clients with underlying GL policies from A- VII-rated or better carriers
Typical scenarios include a remodel contractor who needs $1M of excess over a standard GL policy to meet a project requirement, or a growing trade contractor who must increase limits to satisfy contract obligations. The program accommodates layered placements and can follow form over qualifying primary carriers.
Coverage Highlights and Advantages
- Real-time indications in most states through an online platform
- Single-page application to speed submissions and quoting
- Admitted and non-admitted capacity to match state and client needs
- Can be placed over BTIS GL programs or other qualifying A- VII or better carriers
- Competitive minimum premium starting at $505
Underwriting Notes and Minimum Premiums
BTIS keeps underwriting straightforward with a one-page submission and fast indications. The program's minimum premium starts at $505, making excess limits practical for a wide range of mid-market contractor risks. To qualify, accounts should have solid underlying coverage (A- VII or better). Risks with significant loss history, high-hazard operations, or unsupported exposures may be referred to another market or declined.
Territories and Availability
BTIS Excess Programs are available in most states. The program supports admitted placements in many jurisdictions and non-admitted options where necessary. Territories include: AL, AK, AZ, AR, CA, CO, CT, DE, FL, GA, HI, ID, IL, IN, IA, KS, KY, LA, ME, MD, MA, MI, MN, MS, MO, MT, NE, NV, NH, NJ, NM, NY, NC, ND, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VT, WA, DC, WV, WI, and WY.
Why Work With BTIS?
As a Managing General Agency, BTIS emphasizes speed, market access, and responsive underwriting for contractor risks. Their digital tools let you quote and bind quickly, while an experienced underwriting team provides practical guidance for placing excess layers. Whether you already place primary GL with BTIS or need excess over another A-rated carrier, BTIS gives you flexible options and competitive minimums to help you retain and grow contractor accounts.
Frequently Asked Questions
What types of accounts are a good fit for this program?
Contractors and commercial clients with existing General Liability policies from A- VII-rated carriers are ideal. This includes residential and commercial trades, especially those already placed through BTIS' Victory® programs.
Can I use this program with accounts not written through BTIS?
Yes. You can place excess over primary policies with other carriers as long as the underlying insurer is rated A- VII or better.
How quickly can I get a quote?
BTIS provides real-time indications in most states via a single-page online application for fast quoting and binding.
Is this program available in all states?
The program is available in most states, including CA, TX, FL, NY, and many others. Admitted coverage is supported in many jurisdictions, with non-admitted options where required.
What is the minimum premium for this Excess Program?
The minimum premium starts at $505, which helps make excess limits economical for a range of contractor accounts.
Need help placing an account? Connect with a market specialist.