BTIS
Digital MGA marketplace for contractor and construction insurance, delivering multi-carrier quotes through a single online application.
Overview
Builders and Tradesmen's Insurance Services, Inc. (BTIS) is a commercial lines MGA specializing in contractor and construction insurance, distributing through independent insurance agents and brokers across the United States. Founded in 1998 and headquartered in Rocklin, California, the company operates a digital marketplace at marketplace.btisinc.com that enables agents to obtain quotes from multiple carriers through a single online application.
BTIS underwrites general liability, workers' compensation, builders risk, commercial auto, bonds, and inland marine coverage for contractors, builders, and small business owners. The company provides capacity through multiple carrier relationships, allowing agents to place business through the BTIS marketplace rather than submitting separately to individual carriers. The underwriting team holds over 127 years of combined industry experience in commercial and contractor risks.
The company manages more than USD 400 million in annual premium placement and operates as a subsidiary of AmTrust Financial Services, having been acquired in 2012 through the Amynta Group. BTIS expanded its agent technology platform in 2026 with the NorbieLink portal, which provides AI-powered quoting, policy lifecycle management, and compliance tools, and integrated Gradient AI's underwriting solution for workers' compensation risk pricing in March 2025.
Products & Services
General Liability Insurance
Multi-carrier general liability coverage for contractors and construction firms, with quotes delivered through the BTIS marketplace in a single application.
Key Features
- Bodily injury and property damage arising from operations
- Multi-carrier quotes from a single submission
- Contractors and specialty trades focus
Target Users: Contractors, builders, trades professionals
Distribution: Independent agents and brokers via digital marketplace
Workers' Compensation
Workers' comp insurance for contractor and construction firms, enhanced with Gradient AI's underwriting solution for improved risk prediction and pricing accuracy.
Key Features
- Employer liability coverage
- AI-assisted underwriting via Gradient AI integration (March 2025)
- Construction and trades specialty
Target Users: Contractors, construction employers, small business
Distribution: Independent agents via digital marketplace
Builders Risk & Vacant Property
Insurance for buildings under construction and vacant properties, addressing specialized risks in the construction project lifecycle.
Key Features
- Buildings under construction
- Vacant property coverage
- Construction project risks
Target Users: Builders, developers, property investors
Distribution: Independent agents
Commercial Auto
Commercial vehicle insurance for contractors and service businesses.
Target Users: Contractors, trades professionals operating commercial vehicles
Distribution: Independent agents via digital marketplace
Bonds
Contractor license bonds, surety bonds, and related instruments for licensed contractors.
Target Users: Contractors requiring licensing bonds
Distribution: Independent agents
Inland Marine & Excess Insurance
Coverage for tools, equipment, and materials in transit, plus excess liability protection.
Target Users: Contractors with mobile equipment and high-value materials
Distribution: Independent agents
NorbieLink Platform
AI-powered agent portal launched in 2026 for streamlined quoting and policy lifecycle management, including quote comparison and integrated compliance tools.
Target Users: Insurance agents and brokers using BTIS marketplace
Distribution: Direct to appointed agents
Small Business Insurance (BOP)
Business Owners Policy and related coverage for small contractors and trades, including BIS renewal rights acquired in 2025.
Target Users: Small contractors and tradespeople
Distribution: Independent agents
At a Glance
- Founded
- 1998
- Headquarters
- Rocklin, California
- Employees
- 51-200
Category & Focus
- Category
- Specialty Solutions
- Insurance Verticals
- P&C Commercial Workers Compensation
- Target Customers
- Agents/Agencies
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Last updated: 2026-05-17