Contractor Programs

BITCO Construction Group is an unparalleled partner for top U.S. contractors. Our success lies in working with contractors who want to increase their bottom line by controlling work-related injuries and third-party damages.

Workers’ Compensation and Employer’s Liability

Workers’ Compensation coverage is our primary line of business. It is the only line we write on a stand-alone basis.

  • Flexible Pricing Tools
  • Statutory Limits Provided

Commercial General Liability

We may write General Liability in conjunction with a Workers’ Compensation program.

  • Limits up to $2Mil / $4Mil / $4Mil
  • Customized Coverages
  • Broad Coverage Terms

Additionally, we have the capability to write the following types of liability coverage:

  • Owners and Contractors Protective (OCP) Liability
  • Railroad Protective Liability

Commercial Automobile

We write Commercial Auto insurance in conjunction with Workers’ Compensation and/or General Liability coverages.

  • Limits up to $2 Mil

Program Designs

In addition, we offer the following programs on the above three lines of business:

  • Guaranteed Cost Plans
  • Retrospective Rating Plans
  • Large Deductible Plans

Property and Inland Marine

Property and Inland Marine coverage is available to protect the following:

  • Real / Personal Property
  • Business Income
  • Equipment Breakdown
  • Contractors Equipment
  • Installation Floater
  • Crime

Targeted Classes of Business

Our average account size exceeds $650,000. Targeted classes of business include, but are not limited to, the following:

  • Carpentry and Drywall
  • Concrete
  • Electrical
  • General Contractors (non-residential)
  • Grading / Excavation
  • Heavy / Highway
  • HVAC / Plumbing
  • Masonry
  • Mechanical
  • Specialty Trade Contractors
  • Steel Fabrication
  • Street & Road
  • Structural Steel
  • Tile and Marble
  • Utility – including Pipeline
  • Water / Sewer

Non-Eligible Classes

Every submission is given thorough consideration. However, there are a few classes of business that do not meet our underwriting appetite:

  • Asbestos Installation / Remediation
  • Engineers / Architects Not Engaged in Construction
  • Exterminator / Fumigation
  • Mold Remediation
  • Oil / Gas Wells / Rig / Derrick
  • Refuse Collections
  • Stevedoring, Wrecking, Marine, Diving Contractors

Learn more about our services and how we can help you.

Contact Us