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Our Equipment Insurance program is designed to provide physical damage coverage for mobile equipment on an annual basis. We offer competitive prices from an underwriting team with years of experience, fast quoting, and competitive deductibles.

Our Equipment program is designed to provide physical damage coverage for mobile equipment on an annual basis. We offer competitive prices from an underwriting team with years of experience, fast quoting, and competitive deductibles.

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Our Equipment program is designed to provide physical damage coverage for mobile equipment on an annual basis. We offer competitive prices from an underwriting team with years of experience, fast quoting, and competitive deductibles.

...ry large pieces of equipment like loaders, excavators, concrete pumps and larg...

Create a safety culture within your organization. Let every employee know safety is the number one employee benefit. The top executive takes the lead and mentions some safety news in every company meeting. Simply talking and promoting safety is time, it does not cost a great deal of money. Some specifics: Drivers must use seat belts, must be sober and drug free, not use cell phones or text while driving, and not pick up unauthorized passengers. At least semi-annually, drug test every driver and check their driving records. Randomly test one quarter of the drivers every three months. Establish a threshold for tickets and accidents, and stick to that standard. These minimum safety standards cost about as much as a tank of gas in a pick-up. Supply personal safety protective equipment for employees. Although this requirement comes from OSHA regulations, it's a great investment too. One eye wash at the local doc in the box costs about as much as a hundred pairs of safety glasses. Harnesses to tie off workers at heights cost little next to broken bones and death from a fall. Hard hats are about fifteen to twenty dollars each. Closing a head wound runs about five thousand. Reflective vests or coveralls, again, cost much less than a man versus loader collision. Now, suppose you could save five percent of your workers' compensation premium for the next three years from reduced experience mod or lower premium rates. You can afford to make the investment in safety equipment. Consider an incentive program like this: quarterly bonus for no injuries and perfect prompt attendance. Perhaps pay everyone who meets those criteria an extra fifty cents per hour for the quarter. This extra pay amounts to about one hundred dollars per month. Wouldn't it be worth everyone earning it? Or, maybe one quarter the earners get a pair of Red Wing boots, a gift card to their favorite tool store, a gift card oriented towards their spouses, a flat screen television or use your imagination. Small investments in safety awareness and loss prevention do pay large dividends in reduced losses.  

At BTIS, we pride ourselves in providing insurance for the construction industry. The entire executive team has past experience working in this arena. Collectively, BTIS has over 127 years of experience in the insurance industry within its management team. Our professional staff of underwriters has insurance company backgrounds with more than 75 years' experience of underwriting commercial/contractor risks.