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NEW!! CA & OR Minimum Payroll $17,000
NEW!! $0 to $2,500 deductible choices.
10% Down *
Herbicide and Pesticide optional coverage form now available
Available in California and Oregon
For CA only $700 Minimum Premium with S&R credit
($650 with the Class Limitation Endorsement)./
$1,000 Minimum Premium Without the S&R Credit
($900 with the Class Limitation Endorsement).
For OR only $500 Minimum Premium
Current Receipts up to $1.5 million (New Business)
Current Receipts up to $2.0 million (Renewals)
Prior years Receipts up to $3.0 million (with prior works exclusion for over 1.5 million)
Payroll up to $500,000
$15,000 Maximum GL Premium
Non-Admitted Carrier Rated A X By A.M. Best Co.
Sub Costs up to $400,000
Foundation Work OK for Room Additions Only
No Sub Costs to Receipts Ratio Restrictions
Defense Inside the Limits Available
Occurrence Form - Optional Sunset & Manifestation
Remodeling & Service Work OK
$500/$500/$500
$500/$1mill/$1mill
Limits Now Available for CA Only
Action Over Buyback Available
Stop Gap Available in Oregon at no charge.
Classification Limitation Available (10% credit)

*10% of premium down payment plus all taxes and fees when using Best Choice Premium Finance.





Our Victory Non-Admitted Artisan Contractor Program is underwritten by a Non-Admitted Carrier rated A X by A.M. Best Co. This program is now offering $500/$500/$500 & $500/$1mill/$1mill Limits for CA Only! We have added 16 New Classes! And have lowered our Owner Payroll for CA Only to $20,000! We have also lowered the Minimum Premium for CA Only to $700 if the S&R Credit is applied. This program also accepts risks with Sub Costs up to $400,000! Please see below for more information.

Eligible Classes
Class Code Class Description CA OR
91127 Alarms and Security Systems – Residential and Commercial – Alarm installation, sales and repair. No fire suppression systems. No monitoring of alarms. No sales without installation. X
91111 Air Conditioning– Air Conditioning Systems or Equipment, installation, service or repair including dealers. If heating work also use 95647. X X
91150 Appliance Installation Commercial - No residential, apartment work ok.No cutting, slicing equipment. X X
91155 Appliances Installation – household (residential) - Installation, servicing and repair of household appliances & accessories. No commercial appliances. X X
91302 Cable Installation in Conduit or Subways - Cable Installation Underground. Conduit construction shall be separately rated. Classify pole to building work as code 99613. Risks with any trenching, including subbed out, should use Conduit Construction 91577. X
91342 Carpentry Commercial Includes commercial tenants improvements & betterments, repair & replacement. NO exterior work on buildings exceeding 3 stories. Incidental roofing work allowed with a sub limit of $25,000. X X
91341 Carpentry Interior - - Finish carpentry, includes woodwork, trim, countertop (no tile), wooden doors, cabinet installation and shelving. No General Contracting or interior room remodel (use 91340). No exterior framing work as a subcontractor. X X
91340 Carpentry Residential– Includes structural and non-structural remodeling and repair. Exterior framing as a subcontractor not allowed. No exterior work on buildings exceeding 3 stories. Examples: Kitchen & bathroom remodeling & decking. Work also may include adding square footage such as a second story or room additions. Incidental roofing work allowed with a sub limit of $25,000. X X
91343 Carpentry Shop Only - Carpentry in shop to include fabrication and assembly of wood products to be installed by the insured. No window fabrication/assembly. X
91344 Handyman - Residential and Commercial Service and Repair with no jobs exceeding $500 (if unlicensed) or $2,500 (if licensed) in value. Swimming pool cleaning and yard maintenance may be included in this class. X X
91590 Contractors Permanent Yards - - Maintenance or Storage of equipment or materials. X
91405 Carpet, Rug, Furniture or Upholstery Cleaning - Work on customer premises only, no shop exposure. X X
91436 Ceiling or Wall Installation - Metal, acoustic X X
91481 Chimney Cleaning - Residential & commercial. No chimney repair work. X
91551 Communication Equip Installation - Wiring, cables & circuits for telephone and communications equip. operating at <50 volts. No telephone line construction, burglar, fire alarm or emergency systems work. X X
91560 Concrete Construction - Includes pouring, placing & finishing concrete. Patios, pads, walkways, mow strips, driveways ok. No residential foundations for new homes. Room addition foundations ok. No exterior work on buildings exceeding 3 stories. No pool construction. No public street, road or highway work. Commercial foundations are okay. X X
91577 Conduit Construction - Installation of communication or electrical encasement. Maximum depth 12 feet. X X
91585 Contractor – Subcontracted Work X X
91629 Debris Removal - - No roof tear-off or soft demo. No janitorial work. X X
91746 Door/Millwork Installation - - No window work. Garage door work ok. X X
92102 Drilling - Water - Private water drilling with limited agricultural exposure. No water quality testing or municipal work. X X
92215 Driveway, Parking Area or Sidewalk- Includes pouring, placing & finishing of above-grade concrete flatwork, asphalt or paver installation. No street or road work. No grading or excavation other than incidental to paving. X X
92338 Drywall or Wallboard Installation- Residential service and repair only. New commercial OK. No insulation work. X X
92339 Drywall - Residential - - Drywall or Wallboard Installation - New Residential. No insulation work. X
92478 Electrical Work within Buildings - Electrical Work within Buildings including incidental outside work – No power line construction, pole work, burglar or fire alarm system.Rate work on machinery using code 92451. No work over 480 volts. Incidental landscape lighting ok. X X
92451 Electrical Apparatus - outside buildings - - Electrical Work outside Buildings - Includes cable, communications, electrical work, lighting and telecommunication work, pumps, generators and machinery. No power line construction or burglary or fire system work. X
94007 Excavation - - Maximum depth 12 feet. No street and road, agricultural or building demo other than outbuildings. X X
94276 Fence Erection Contractors - No child-safety or electrically charged fencing. Automated gates acceptable. No manufacture of metal fences--erection only with no other welding exposure. X X
94569 Floor Covering Installation - No dealers. Installation of carpeting, laminate and hardwood flooring. -- Ceramic tile, stone, marble or terrazzo work should be separately classified. (No Epoxy or Specialty Coatings). X X
95124 Furniture or Fixture Installation in Office or Store -Furniture or fixture installation, service or repair in offices or stores – metal or wood. X
95410 Grading - - No street and road or agriculture work. X X
95647 Heating & A/C - Dealer and Distributor – no LPG – Includes installation, service and repair. X X
95648 Heating & A/C - Dealer and Distributor – LPG allowed – Includes installation, service and repair. X
96053 House Furnishing Installation - Residential Only. Includes installation of pictures, mirrors, window treatments and closet organizers. No furniture repair or moving services. For residential appliance installation see 91155. X X
96410 Insulation Work, Mineral – Excluding Asbestos - Installation or application of acoustical or thermal insulating material in buildings or within building walls. X
96409 Insulation Work, Organic – Excluding Asbestos - Installation or application of organic insulation materials including insulation made with cellulose, rags or wood. X
96408 Insulation Work, Plastic – Excluding Asbestos - Installation or application of plastic insulating material in buildings or within building walls. X
96611 Interior Decorators - Interior decorating for residential and commercial. X
96816 Janitorial - COMMERCIAL OFFICES ONLY - No residential exposures, model homes, retail work or sales of chemicals or cleaning supplies. X X
97047 Landscape Maintenance & Gardening - Landscape Maintenance & Gardening–Basic landscape/lawn care service-mowing, mulching, planting, &/or installation. Over-the-counter fertilizer/weed control ok. Lawn sprinkler installation ok. Tree trimming from ground level allowed if incidental to other landscaping operations. X X
97447 Masonry - Includes cutting & laying of bricks, block, stone and other unit masonry or clay product and mortar work. Retaining walls ok. Fireplace and chimney work ok. No exterior work on buildings exceeding 3 stories. No retaining walls over 6 feet. X X
97650 Metal Erection - Decorative - Interior work only, non-structural, office partitions or work stations. X X
97653 Metal Erection – Non-Structural NOC - Metal Erection – No structural work. Includes wrought iron handrails and gates. X
98111 Office Machines or Appliances Installation, Service or Repair - - Office machine installation, inspection, adjustment or repair including shop operations. X
98304 Painting Exterior - Buildings & appurtenant structures only, incl. walkways/fences, surface prep & faux/texture painting. No waterproofing, exterior work on buildings exceeding 3 stories or roof painting. No work on tanks, street and road or bridges. No epoxy or specialty coatings. X X
98305 Painting Interior - No exterior, no waterproofing. Bathtub refinishing ok. No epoxy or specialty coatings. X X
98344 Paperhanging - Includes surface preparation, covering walls and ceilings with wallpaper, fabric, vinyl or other wall coverings. X X
98449 Plastering or Stucco Work - COMMERCIAL WORK ONLY. No residential. Excludes Exterior Insulation and Finish Systems (EIFS) work and exterior work on buildings exceeding 3 stories in height. X
98482 Plumbing Commercial - No fire sprinklers or steam boiler work. Includes the installation, service or repair of gas, steam, hot water, pipe or other pipe fittings including building connections. Back flow testing allowed. This class also includes shops and display rooms. X X
98483 Plumbing Residential - No New Residential work allowed. Includes the installation, service or repair of gas, steam, hot water, pipe or other pipe fittings including building connections. Back flow testing allowed. This class also includes shops and display rooms. X X
98502 Prefabricated Building Erection - Intended for light, non-habitational service or outbuildings. No commercial retail usage. X X
98636 Refrigeration Equipment - Installation, service and repair of commercial refrigeration systems. No Wholesale cold storage, no manufacturing or food processing plants, no liquefied petroleum gas (LPG) equipment sales or work. X X
98805 Septic Tank Cleaning- No RV work. No work below 12 feet. Cleaning of restaurant grease traps ok. X X
98806 Septic Tank Installation - No RV work or work below 12 feet. This classification includes house connections, shop and display rooms. X X
98813 Sewer Cleaning- - Sewer Main Cleaning – no installation. X
98820 Sewer Mains Construction - No work below 12 feet. No blasting. X X
98967 Siding and Gutter Installation- Installation includes soffit/fascia and decorative shutters. No new residential work. No spray on siding/roofing/roof flashings or work on building exceeding 3 stories in height. X X
98993 Sign Erection, Installation or Repair - Sign Erection, Installation or Repair not exceeding three stories. Shop operations included. Neon sign installation ok. X
99004 Sign Painting- No sign erection or work over 2 stories. X X
99303 Street Cleaning - This classification includes snow removal from driveways and parking lots. Power washing is not eligible. Must verify that all vehicles used for street cleaning or snow removal are covered by commercial auto policies with at least $1MM limits. Exclude mobile equipment over the road exposures. X
99613 Telephone, Telegraph or Cable TV Line Construction- Wiring, cables and circuits for telephone and communications equipment, low voltage work. Includes pole to building installations. X
99746 Tile, Stone, Marble, Mosaic or Terrazzo Work - Installation and repair of these materials to floors, walls or counter-tops. No swimming pool work or roofing operations. X X
99946 Water Mains Construction - No work below 12 feet. No blasting. X X
99948 Water Softening Equipment - Installation, service and repair - This classification includes incidental plumbing operations and the sales of water softening equipment to be used in conjunction with the installation. Commercial only, no residential exposures allowed. X
99975 Window Cleaning - Window cleaning service. No tinting of windows allowed or work over 3 stories in height. X
49840 Window Decorating - Decorating of commercial windows. No tinting allowed or work over 3 stories in height. X

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Ineligible Risks
  • Risks with less than two years experience in the applicants trade.
  • Risks with operations not specifically listed on program classification & rate schedule.
  • Contractors acting in the capacity of a general contractor on new construction, as a builder, project manager or developer.
  • Risks which engage in Maritime operations. Risks which sponsor sporting or social events.
  • Risks engaging in the renting or leasing of equipment to others.
  • Risks engaging in the selling or manufacturing of products sold under the applicants name.
  • New residential construction of condominiums; townhouses; or tract housing developments in which more than 10 houses or dwelling units have been built or are in any stage of development, planning, or construction.
  • Construction management for a fee.
  • Exterior work exceeding three (3) stories in height.
  • Public street, road or highway work.
  • Power line construction
  • Spraying, tree trimming, tree removal or tree pruning.
  • Painting of tanks.
  • Fire sprinkler installation or service.
  • Swimming pool installation, service or repair.
  • Removal of any asbestos.
  • Roofing work, including, but not limited to, installation or repair of roof flashings, shingles, roof coatings or paint. (All roofing work MUST be subcontracted out)
  • Risks with OCP (subcontractor) costs greater than $400,000.
  • Risks with (in the last 4 years) more than $20,000 incurred losses (including expenses) or more than 2 claims. Construction defect claims please refer to Underwriter.
  • Risks involved in water damage, fire damage, or mold damage as the General Contractor.

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Underwriting Guidelines

General Liability Coverage
The Victory Non-Admitted Artisan Contractor Program provides general liability coverage for Artisan/trade contractors for both commercial and residential work. It is designed to meet the needs of small artisan contactors conducting business within the trades and construction industry. Credit available for the service, repair & replacement ONLY risks. See the eligible classes for list of construction & service contractors we can write. Contractors are also limited by their size. The maximum allowable exposures are receipts of $1,500,000 &/or premium of $15,000.

** Defense Inside the Limits available as an option **

Policies may be written for one year and renewed annually. See Rating for definition of Payrolls. Limits are available as follows:
 
For CA only For OR only
  • 500,000/500,000/500,000
  • 500,000/1,000,000/1,000,000
  • 1,000,000/1,000,000/1,000,000
  • 1,000,000/2,000,000/1,000,000
  • 1,000,000/2,000,000/2,000,000
    		•
  • 1,000,000/1,000,000/1,000,000
  • 1,000,000/2,000,000/1,000,000
  • 1,000,000/2,000,000/2,000,000
    		•

    You can submit artisan contractors who perform new construction in tract home subdivisions of up to 10 homes! A tract development is defined as a project or premise in which multiple architecturally identical, nearly-identical, or similar homes are built.

    Contractors performing 100% service and repair work for residential and commercial projects are given special consideration in the program. Additionally, we accept small remodeling general contractors, including those who complete room additions.

    Victory Non-Admitted gives you options! This program will make your job easier, save you time, and provide your clients with the exact pricing and coverage they demand.

    • No Loss Warranty Form in lieu of loss runs on accounts up to $7,500
    • Price Indicate Online
    • Current Receipts up to $2.0 million for Renewals.
    • Submit Account Electronically
    • Submit accounts over $1,500,000 (New Business) or $2,000,000 (Renewals) in receipts on an Acord Application to commercialsubs@btisinc.com.)
    • Allows up to $400,000 in sub costs. Submit account on an Acord Application if over the $400,000.
    • CG 20 10 11/85 available for commercial work. 11/85 Additional Insured's not provided for Residential projects.  $500 (fully earned)
    • CG 20 10 07/04 equivalent (ANF-ES 043) is included for no additional charge

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    Rating Information Annual Minimum Premiums

    Annual Minimum Premiums
    General Liability Limit Minimum Premium
     Occurrence GL form (CG 00 01) Various By State
     Occurrence form with Manifestation  Provision Various By State


    Definition of Payroll Allocation

    Owner/Officer Payroll
    Includes proprietors, partners, and officers active in the business - except those that exclusively handle clerical duties. Minimum Payroll for each active owner in CA only is $17,000. Minimum Payroll for each active owner in OR is $17,000. If all owners are clerical or sales then the Minimum Payroll, depending on the state, is charged for one owner only (plus any employee payroll).

    Employee Payrolls
    Includes payroll of employees (except excluded below), clean up workers, tradesmen, casual laborers, leased employees, and labor pool personnel.

    Employee Payroll Does Not Include
    Proprietors, partners, officers, sales only and clerical office employees.

    Examples
    A ** Policy Period 1/1/2010-1/1/2011
    2 owners - 1 in sales/clerical and 1 in the field for CA is $17,000 minimum payroll for the active owner in the field.
    2 employees - both working their trade in the field are being paid $43,000. The Total Payroll to use in this submission is $60,000.

    B ** Policy Period 1/1/2010-1/1/2011
    1 owner – 1 sales/clerical for OR is $17,000 minimum payroll (must have a charge of $17,000 for at least 1 owner, regardless of duties!)
    1 employee – employee is working their trade in the field and is being paid $18,000. The Total Payroll to use in this submission is $35,000.

    Explanation of Subcontractors and Their Cost

    If subcontractors are used then you will need the total cost of payment to those subcontractors. Also needed will be the operations performed by the subcontractors for the applicant (ie: painting, flooring etc).

    All subcontractors must name the applicant as an additional insured(AI) on the subcontractors policies (provide the applicant with an AI and Certificate showing this) and carry limits of insurance at least equal to or greater then our insured’s limits.

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    General Program Information

    General Liability Coverage
    Premises/Operations with selected limit of insurance including Products/Completed Operations, Personal Injury & Advertising Injury, Fire Damage - $50,000 and Medical Expense - $5,000 coverage is provided on an occurrence basis.

    Deductible
    Available deductibles range from $0 to $2,500. The deductible applies to property damage and bodily injury on a per claim basis.

    Risk Cancelled or Non-renewed by Other Company

    Please refer any risk that has been cancelled or non-renewed to Builders & Tradesmen's Insurance Services, Inc. prior to submission. We ask that full information regarding the reason for cancellation or non-renewal and the conditions or preventive steps taken by the applicant be provided.

    Audit Basis

    General Liability premiums and exposures are subject to final audit. Earned premium for the exposure will be determined at the end of the policy period.

    Waiver of Premium

    Additional or return premium account balances of $10.00 or less will be waived.

    Cancellations

    Policies will be cancelled Pro rate (without penalties) when policy is cancelled for the following reasons:

    • At the request of the company
    • Nonpayment of premium
    • Insured no longer has a financial or insurable interest in the property or business operation

    When a policy is cancelled for any reason other than outlined above, a penalty of 20% of the pro rate unearned premium will apply.

    Payment Options

    BTIS Financed
    BTIS can arrange premium financing through      Best Choice Premimum Finance.

    Full Annual Premium
    The producer may withhold commission and remit net payment in full.

    Producer financed
    The producer may arrange financing with their vendor of choice.

    Certificates of Insurance

    If an additional insured endorsement OR special wording is required on the certificate, the request must be referred to Builders & Tradesmen's Insurance Service, Inc. for approval. All additional insured endorsements must be requested on our website.

    Additional Insured Guidelines

    There is no service charge for additional insured endorsements. The ANF-ES 160 05/06 Blanket Additional Insured Endorsement (CG 2010 11/85 equivalent)-only allowed for commercial work. 11/85 AI’s not provided for residential projects. $500 (fully earned). Brokers have no authority to issue additional insured certificates. All certificates must be issued by, and approved by, Builders & Tradesmen's Insurance Services, Inc(BTIS). The additional insured endorsement is not official until you receive the actual endorsement. Once you receive the approval from BTIS you may issue a certificate of insurance to satisfy the certificate holder's needs.

    AI Forms Available

    • Lessor of Leased Equipment - Form CG2028
    • Managers or Lessor of Premise - Form CG2011
    • Owners, Lessee or Contractors – Form B
    • Additional Insured Endorsement – Form ANF-ES 043 (CG2010 07/04 Equivalent)
    • Additional Insured Endorsement – Form ANF-ES 160 05/06 Blanket Additional Insured Endorsement (CG 2010 11/85 equivalent) Only allowed for commercial work. 11/85 AI’s not provided for residential projects. $500 (fully earned)
    • State or political Subdivisions – Permits, Form CG2012
    • Engineers, Architects or Surveyors not engaged by the Named Insured – Form CG2007
    • Mortgagee, Assignees or Receiver – Form CG2018
    • Additional Insured – Owners, Lessees or Contractors – Completed Operations – Form CG2037
    • Additional Insured – Owners Lessees or Contractors – Completed Operations – Form CG2073 (07-04) Note: approved for residential only to name referring stores (Home Depot, etc) as additional insured.

    Reinstatement with a Lapse in Coverage Guidelines

    To avoid a lapse in coverage, all outstanding issues must be addressed and/or payments must be received by Builders & Tradesmen's Insurance Services, Inc. prior to the cancellation date.

    NO COVERAGE IS BOUND WITHOUT PRIOR APPROVAL FROM BUILDERS & TRADEMEN'S INSURANCE SERVICE, INC.(BTIS). BTIS RESERVES THE RIGHT TO DENY ANY REQUEST FOR REINSTATEMENT.

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     Frequently Asked Questions
    What commissions do I get paid?
    Commission is 15% (It is ok that you withhold your commission from the down payment.)

    How do I find out more?
    Use our live support for an immediate response or call your CSR or Underwriter at 916.772.9200.

    How do I get a quote?
    An online submission is by far the quickest way to get a quote.

    Can BTIS finance this for me?
    YES. You can select  Best Choice Premimum Financing with this program online by clicking on the binding documents button and then clicking on the view/print agreement button. Detailed instructions are available in our system as well!

    If I am having system problems, what do I do?
    Use our live support for an immediate response or call your CSR or Underwriter at 916.772.9200

    Can I write B licensed contractors?
    B licensed contractors that are acting as specific trade contractors or remodelers are eligible for the Victory Non-Admitted program. B licensed contractors acting as a general on any New Residential or New Commercial jobs are not eligible. Please submit the others by Acord application. Fax to 916.772.9292.
    How does Victory Non-Admitted define new residential work?
    New residential work is defined as work being performed on newly constructed properties that are not yet certified for occupancy. Remodeling, replacing or adding items to an existing occupied structure. (i.e. adding new wiring, new cabinetry, new carpet, etc.). is not considered as new work.

    How do I bind a policy?
    Fax your request to bind, including the desired effective date, along with the bind documents requested online (signed by both the agent and the insured) to 916.772.9292. Be sure to indicate which of the 3 payment options you have chosen. To get to your binding documents, go online and select your submission then click on the blue binding documents button. Binds can also be emailed to our bind team at bindrequest@btisinc.com.

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     Edition 7-15-2010
    This information is provided as a guideline only and is subject to change with or without notice.
    Recommended Settings to Use the BTIS Site

    © Copyright 2007 Builders & Tradesmen's Insurance Services, Inc. • 6610 Sierra College Boulevard • Rocklin, California 95677
    Phone: 916.772.9200 - Fax: 916.772.9292 • CDI #0D10271 • All non-admitted business is placed through LAE Insurance Services, Inc. CDI # 0E44215