BTIS – Builders & Tradesmens Insurance Services, Inc. offers a fast, easy solution for placing small, single-location businesses through its Small Main Street BOP program. Built for independent agents who need reliable markets for lower-premium commercial accounts, this program delivers broad BOP coverage, flexible options (including commercial auto, inland marine and workers’ compensation), competitive pricing, and a straightforward online rater. Use the BOP Rater for instant indications and quick binds so you can serve retail and professional clients with minimal paperwork.
Ideal Accounts and Appetite
This BOP program is tailored to main-street businesses operating from a single location. Strong fits include:
- Retail bakeries and specialty food shops
- Florists
- Coffee shops and small cafés
- Medical and dental offices (low-risk specialties)
- Law and accounting offices
- Small tech, web design, and creative firms
- Veterinary clinics (non-surgical/local)
- Other small professional and retail classes
Generally best for stable, single-location risks with straightforward operations and clean loss histories. Accounts with high hazard operations, multiple locations, habitational exposures, or significant liquor/liability exposures may be outside the appetite.
Coverage Highlights and Advantages
- Admitted carriers rated A XV by A.M. Best
- Minimum premiums starting at approximately $350–$400
- Available add-ons: Commercial Auto, Inland Marine, Workers' Compensation, and other coverages
- Competitive commission on ratable classes through the BOP Rater
- Instant price indications—no ACORD applications required for initial indications
- No production quotas, membership, or broker fees
The program is designed to let you quote, bind, and issue lower-premium BOP accounts quickly while still offering admitted paper where available.
Underwriting Notes and Minimum Premiums
Underwriting emphasizes speed and simplicity. The BOP Rater provides immediate indications for many common classes, reducing the need for full ACORD applications during initial quoting. Minimum premiums generally fall in the $350–$400 range depending on class and location. Expect routine eligibility questions about prior losses, business operations, and property condition for binding.
Territories and Availability
Available in the vast majority of the continental U.S.: AL, AR, AZ, CA, CO, CT, DE, FL, GA, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MN, MO, MS, MT, NC, ND, NE, NH, NJ, NM, NV, NY, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VA, VT, WA, WI, WV, WY, and DC.
Why Work With BTIS?
BTIS is a managing general agency focused on agent-first service, fast turnaround, and practical rating tools. The Small Main Street BOP program gives you access to admitted, highly rated carriers without production strings or membership fees. Whether you need a quick indication for a corner coffee shop or a bundled package for a small professional office, BTIS’s platform is built to move lower-premium commercial business from quote to bind efficiently.
Frequently Asked Questions
What types of accounts are a good fit for this program?
Single-location small businesses such as coffee shops, florists, medical or law offices, and small tech firms are ideal candidates for the Small Main Street BOP program.
Is the program available in all states?
The program is available in most of the continental U.S., including over 45 states and Washington, DC; availability can vary by class and carrier.
What is the minimum premium?
Minimum premiums typically range from about $350 to $400, depending on the class and the insured’s location.
Do I need to submit ACORD forms to get a quote?
No—initial pricing is available instantly through the BTIS BOP Rater without submitting ACORD applications. Full applications may be required to bind certain coverages.
Are there production requirements or fees for agents?
No. There are no production quotas, membership, or broker fees associated with this program.
Need help placing an account? Connect with a market specialist.