Insurance for Commercial General Contractors

Companies in the construction industry are BITCO's largest class of business. With more than 80 years providing insurance to general contractors, you know your business will be well protected.

Whether you’re a builder or designer, general contractors like you are the largest class of business we insure at BITCO.  We have policies that are specifically designed to address a wide array of risk types, business sizes and special coverage needs.

We believe our consistent, stable and responsive approach to the commercial construction industry has helped us develop many long-term relationships with our customers in the construction industry.


Customer Characteristics

The BITCO general contracting customer is typically a medium- to large-sized operation that has been in business for several years, is well managed and financially stable. Our core customers specialize in the construction of new buildings with a particular emphasis on commercial construction.

We look for contractors who have a history of responding aggressively to controllable losses and the circumstances that give rise to them.  Management involvement and disciplined risk control practices, including risk transfer, are critical to a contractor’s implementation of a successful risk management and insurance program.  Our customers also value having a partner who can assist them with establishing a strong safety culture.

BITCO’s emphasis on relationships helps develop the type of rapport and open lines of communication needed to help contractors effectively control the costs of their insurance programs.  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 their changing needs. Our risk control, claims and underwriting personnel are all well attuned to the needs of general contractors and the complex contractual relationships that are inherent to their business operations.

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

Lines of Coverage

  • Workers' compensation
  • General liability
  • Automobile
  • Umbrella
  • Contractors equipment
  • Property
  • Builders risk
  • Installation floater
  • Crime

Industry Links

Associated Builders and Contractors

Associated General Contractors

ENR and More

Equipment World and More

Old Republic Surety Company (ORSC)

Sample of Special Coverage Offerings

Depending on the projects your business takes on, you may need additional protection to protect your business and your employees. These may include:

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

BITCO Agency Locator

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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.

Our deep understanding of general contractor insurance and our network of specialized insurance agents combined with our strong financial standing means we are the insurance company that you can trust to protect you, your employees and your business.