Contractor General Liability Insurance
Quotes in 60 Minutes. Same-Day Coverage.

One form hits 30+ A-rated carriers at once โ€” CNA, USLI, Hiscox, Great American & more. No ACORD forms. No waiting days. All 50+ artisan trades covered. Electricians, plumbers, HVAC, roofers, painters, handymen, landscapers, carpenters.

Why contractors choose us

We shop 30+ carriers simultaneously โ€” not one at a time. You get the best rate the market offers. A real licensed broker reviews your submission and calls within 60 minutes. No call center. No chatbots. COI in your hand โ€” often same day.

โšก Quotes in 60 minutes (business hours) โ€ข Same-day COI for most trades
๐Ÿงฎ Estimate Your Premium โ†’
๐Ÿ† #1 Contractor Insurance Program โšก Quotes in 60 Min or Less ๐ŸŒŸ 30+ A+ Rated Carriers ๐Ÿ”’ Berkshire Hathaway Company
Get Covered โ€” Step 1 of 2
Step 1 of 2: Quick info first. We'll get the rest on the call. Most contractors finish this in under 90 seconds.
No spam. No robocalls. Licensed broker calls within 60 min (business hrs). CA, TX, IL & MO only.
✓ No ACORD forms required
✓ Quotes in 60 minutes
✓ Same-day COI available
✓ 50+ artisan trades covered
✓ A+ AM Best rated carriers
✓ No obligation, no spam

30+ A-Rated Carriers. One Application. 60-Minute Quotes.

Through our partnership with BTIS, a Berkshire Hathaway company, we have binding authority from 30+ carrier partners โ€” all rated A (Excellent) or better by AM Best. Your policy is issued by an A+ rated carrier like CNA, USLI, Hiscox, Great American, or RLI. Multi-carrier competition through a single submission. No ACORD forms for most trades. You get real quotes โ€” not estimates โ€” usually within the hour.

Sixty seconds to twenty carriers fighting for you

Three steps. One real broker. No call center, no runaround.

1Tell us about your building

The quick form above โ€” four fields, thatโ€™s it.

2We shop 20+ A-rated carriers

A real broker puts carriers in competition for your business.

3You pick the winner

A broker calls you within the hour with your options and straight advice.

30+ A-Rated Carriers Fighting for Your Business

Through BTIS (a Berkshire Hathaway company), we access every major A-rated carrier with a single submission. These carriers insure the largest construction firms in America. Competition drives your premium down.

30+ A-Rated CarriersCNAUSLIHiscoxGreat AmericanRLIClear SpringCBICStarr MarineBrivadoBerkshire HathawayAll A+ AM Best Rated 30+ A-Rated CarriersCNAUSLIHiscoxGreat AmericanRLIClear SpringCBICStarr MarineBrivadoBerkshire HathawayAll A+ AM Best Rated

What Your GL Policy Actually Covers โ€” And What Drives the Price

Premiums jumped across CA, TX and IL this year. If your renewal spiked, thatโ€™s exactly when shopping 20+ carriers pays off most. These are the levers underwriters actually price on:

  • Third-party bodily injury โ€” Client slips at your jobsite, falls, needs medical care. Covered.
  • Property damage โ€” Your crew accidentally damages a client's property during a job. Covered.
  • Products & completed operations โ€” Work you finished 6 months ago causes damage. Still covered.
  • Personal & advertising injury โ€” Competitor sues you for slander. Defense costs paid.
  • Medical payments to others โ€” Minor injury at your business. Covered without fault.
  • Your trade matters most โ€” Roofers pay more than painters. Higher risk = higher rate. We shop carriers that specialize in YOUR specific trade.
  • Claims history is king โ€” Five clean years earns preferred pricing, often 15-25% below standard.
  • Revenue drives cost โ€” A $500K contractor pays more than a $50K handyman. We structure coverage for your actual exposure.
  • Multi-carrier competition saves you money โ€” when 30 carriers bid against each other for your business, you win. We find gaps other agents miss.
  • Old: Construction class

A complete commercial building policy should cover the building itself, contents and business personal property, equipment breakdown, business income and extra expense, general liability, and inland marine for mobile equipment.

Most contractors overpay because they get quoted by one carrier at a time. We hit 30+ simultaneously โ€” and they compete against each other. Our clients typically save $500 to $1,500 per year with better coverage than they had before. One form. 60-minute quotes. Same-day coverage.

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Who we insure

BTIS covers over 50 eligible classes of artisan and trade contractor general liability. Electricians. Plumbers. HVAC technicians. Painters. Roofers. Handymen. Landscapers. Carpenters. Concrete contractors. Excavation contractors. Masons. Drywall installers. Cabinet installers. Alarm installers. Tile and stone contractors. And dozens more. If you swing a hammer, turn a wrench, or run wire โ€” we have a market for you.

We answer when you call โ€” and we fight at renewal

We pick up when you call. We fight for your price at renewal, not just year one. And we tell you the truth even when it costs us the sale. If your current price is fair, weโ€™ll say so. If youโ€™re overpaying, weโ€™ll show you by how much.

Ready to see what 30+ A-rated carriers will quote for your trade?

Quotes in 60 minutes. Same-day COI for most trades. No obligation.

Get My Free Quote โ†’