BTIS – Builders & Tradesmens Insurance Services, Inc. offers a competitive Remodeling Contractor General Liability Insurance program designed for today’s residential remodeling professionals. Whether your insured is a solo operator or a general contractor with more than $1 million in gross receipts, BTIS provides flexible, admitted solutions to match a wide range of remodeling operations.
Ideal Accounts and Appetite
This program is built for contractors and remodelers who focus on residential work such as home additions, tenant improvements, and general remodeling. It’s a strong fit for:
- Owner-only remodeling contractors
- General contractors with substantial operations
- Handymen expanding services into larger renovation projects
- Contractors performing home extensions or adding square footage
On a case-by-case basis, BTIS may also consider risks involving secondary structure construction. Certain operations are allowed when performed as part of a remodel, including:
- Incidental roofing work (when part of a broader remodel)
- Interior framing performed by the primary contractor (framing subcontractors are not eligible)
- Window installation during remodeling
- Tenant improvements and betterments
For a full list of eligible classes, see the Victory Admitted Eligible Classes.
Coverage Highlights and Advantages
BTIS offers general liability protection tailored to exposures common on residential remodeling jobs. Coverage helps your contractor clients manage jobsite liability, third-party injury claims, and property damage exposures. Key advantages of the program include:
- Admitted product with strong carrier backing (A.M. Best A XI rated)
- Quick quoting and a streamlined binding process for faster placements
- Competitive pricing with minimum premiums starting at $350
- Strong appetite for both small and mid-size remodeling contractors
Underwriting Notes and Minimum Premiums
Minimum premium for eligible accounts starts at $350, making the program accessible for smaller remodelers and startups. Incidental roofing and interior framing are permitted when part of a remodel; however, standalone roofing operations and framing performed solely as a subcontractor are not eligible. Each submission is reviewed to verify proper classification, scope of operations, and risk fit.
Territories and Availability
This Remodeling Contractor General Liability Insurance program is available on an admitted basis in the following 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 is a trusted general agency and admitted carrier with deep expertise in contractor lines. Agents benefit from fast service, competitive pricing, and responsive underwriting support. With access to A-rated markets and a focus on practical, placement-oriented underwriting, BTIS helps agents place a wide range of artisan and general contractor risks.
You might have a client who just launched a remodeling business and is taking on their first major home addition, or a well-established contractor expanding into nearby territories. In both cases, BTIS offers the flexibility and admitted coverage solutions to support growth while managing common remodeling exposures.
Frequently Asked Questions
What types of accounts are a good fit for this program?
The program is ideal for residential remodeling contractors, including owner-only operations, general contractors, and handymen expanding into larger projects.
Are subcontractors allowed under this program?
Subcontracting is permitted in some cases, but interior framing as a subcontracted operation is not eligible. Each account is reviewed individually for eligibility.
Is roofing work covered?
Incidental roofing is allowed when it is part of a broader remodeling project, but standalone roofing risks are not eligible.
What is the minimum premium for this program?
The minimum premium starts at $350, making it accessible for small and emerging contractor businesses.
In which states is this program available?
The program is admitted and available in over 45 states, including CA, TX, FL, NY, and many others. See the full list above for complete availability.
Need help placing an account? Connect with a market specialist.