BTIS – Builders & Tradesmens Insurance Services, Inc. – offers a fast, easy solution for writing small, single-location businesses through its Small Main Street BOP program. Designed specifically for independent agents seeking reliable markets for smaller commercial accounts, this program provides broad coverage, competitive pricing, and a user-friendly rating platform. Whether you're working with retail shops or professional offices, BTIS delivers an efficient quoting experience backed by excellent service and flexible coverage options.
Ideal Accounts and Appetite
This BOP program is tailored to main street businesses operating out of a single location. Ideal classes include:
- Retail Bakeries
- Florists
- Coffee Shops
- Medical Offices
- Law Offices
- Tech and Web Design Firms
- Veterinary Clinics
- And many more professional and retail classes
If you have clients running small professional service firms or local retail shops, this program is designed to meet their needs with streamlined underwriting and fast turnaround.
Coverage Highlights and Advantages
- Admitted markets rated A XV by A.M. Best
- Minimum premiums starting at $350–$400
- Access to Commercial Auto, Inland Marine, Workers' Comp, and additional coverages
- 12% commission on ratable classes through the BOP Rater
- Instant price indications—no Acord apps required
- No production requirements or broker/membership fees
BTIS’s Small Main Street BOP program makes it simple to quote and bind coverage for lower-premium risks, helping you serve more clients efficiently while earning competitive commissions.
Underwriting Notes and Minimum Premiums
The program is best suited for stable, single-location risks with clean histories. Underwriting is straightforward, and the intuitive BOP Rater platform enables you to get pricing quickly without having to complete traditional application paperwork. Minimum premiums typically range from $350 to $400, making this a great fit for lower-limit BOP accounts.
Territories and Availability
This program is available in the vast majority of the continental U.S., including 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 trusted managing general agency known for its agent-first approach, rapid response times, and innovative rating tools. With no fees, no production requirements, and access to top-rated carriers, BTIS makes it easy for agents to grow their small commercial book. The Small Main Street BOP program is just one example of how BTIS helps you write more business with less hassle.
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 tech firms are ideal candidates for this 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.
What is the minimum premium?
Minimum premiums typically range from $350 to $400, depending on the class and location.
Do I need to submit Acord forms to get a quote?
No, the BTIS BOP Rater provides instant pricing without requiring Acord applications.
Are there production requirements or fees for agents?
No, there are no production requirements, membership, or broker fees associated with this program.
Need help placing an account? Connect with a market specialist.