Insurance for Commercial Building Trades Contractors

In many regions of the country, the name BITCO is synonymous with contractors' insurance.

As our premier and largest class of business, the construction industry is our stock in trade. Our consistent, stable and responsive approach to this class of business has created many long-term relationships with our customers.

The service needs of building trades contractors are specific. We are aware of your requirements because we have taken the time to identify them and to formulate a response that is workable in your world.

Contractor Types We Insure

  • Concrete Construction
  • Carpentry
  • Plumbing/HVAC
  • Drywall 
  • Painting 
  • Electrical

Types of Insurance

  • Workers' Compensation
  • General Liability
  • Automobile
  • Umbrella
  • Contractors Equipment
  • Property
  • Installation Coverage
  • Crime

Special Coverages

These additions are available subject to underwriting guidelines.

  • Automatic additional insured coverage
  • Construction project general aggregate limits
  • Property damage to the named insured's work
  • Care, custody and control protection

Customer Characteristics

For many contractors BITCO represents the best in efficient local underwriting delivery, high-impact customer service, responsive products and impeccable financial security.

The BITCO building trades contractor is typically a medium- to large-sized operation that has been in business for at least three years, is well managed and is financially stable. Our core customers specialize in performing building trades for new buildings with a particular emphasis on commercial construction.

We seek out contractors with a history of aggressively responding to controllable losses and the conditions that bring them about. The involvement of management and disciplined risk control practices, including risk transfer, are pivotal to a contractor’s successful implementation of an effective risk management and insurance program. Our customers also value having a partner who can help them with instituting a robust safety culture.

BITCO puts a strong emphasis on relationships that aid in developing the sort of rapport, transparency, and open lines of communication necessary to help contractors successfully control the cost of their insurance programs. We strive to develop constructive working relationships with our customers. Through periodic visits to our customers' worksites, we develop ongoing, up-to-date information on their operations and we are able to be responsive to your changing needs. Our risk control, claims and underwriting personnel are all well attuned to the needs of the building trades contractor and your needs for a reliable insurance program.

For many contractors, BITCO is seen as the best in specialized local underwriting expertise, high-impact customer service and financial security. 

Choose BITCO as Your Insurance Provider

With any insurance policy, you should be aware of the claims­-paying ability of the insurance company you entrust with your business. BITCO's outstanding financial ratings are indicators of our ability to offer you and your business security. We’re proud to have earned and maintained a rating of “A+'' Superior by A.M. Best.

Also, the BITCO Companies are members of the Old Republic Insurance Group, one of the nation's 50 largest publicly held insurance organizations.

Backed by the strength of Old Republic Insurance Group

Our deep understanding of the specific insurance needs of building trades contractors and our network of insurance agents that focus on building trades businesses, combined with our strong financial standing, means we are the insurance company that you can trust to protect you, your workforce and your business.

Industry Links

Associated Builders and Contractors

Associated General Contractors

ENR and More

Equipment World and More

Old Republic Surety Company (ORSC)

BITCO Agency Locator

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Looking for a long-term partner that works hard for you and your business? Contact a local BITCO agent today.