The online BTIS Inland Marine Program targets small artisan and service contractors with a property that supports their construction operations. Please submit the ACORD applications for risks that do not fit the online program.

Inland Marine and Property Coverage

• Office Contents
• Miscellaneous Tools and Small Equipment
• Computer Systems (Equipment, Data and Media, and Extra Expenses)
• Scheduled Equipment (light, medium and heavy)
• Installation Floater ($10,000 minimum value)
• Rented/Leased Equipment (from others)
• Five package options to choose from

Deductible

Varies with coverage provided and deductibles selected.

Click here for Coverage, Limits, and Deductibles available online

Inspection

An inspection will be made after a policy is bound.

Payment Options

• BTIS Financed - BTIS can arrange premium financing. Print and sign the online finance agreement and fax it with your binding documents to 916.772.9292.
• 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 adding an Additional Insured or unique wording is required on the certificate, such a request must be referred to BTIS for approval. The Agent can provide evidence of insurance.

Additional Insured Guidelines

Usually not applicable to Inland Marine or Property coverage.

Loss Payee and Lenders Loss Payee Forms

Available upon request. In most cases, the Agent can process an Evidence of Coverage or Loss Payee form in their office.

Renewals From Prior Online Submission

If eligible for renewal, you will receive a notice with instructions by email approximately 60 days before policy expiration. Policies will only be renewed if requested by the Insured or Producer, along with the appropriate documents. Payment must be received before the expiration date to avoid a lapse in coverage. Payments received after the renewal date will be renewed effective on the date payment is received by the company (lapse in coverage). Payments received more than 14 days from the renewal date will be returned without coverage.

Renewals From Manual Submissions

Please get in touch with the Inland Marine Department for details.

Navigators provides Inland Marine coverages for artisan/trade contractors for commercial and residential work. It is designed to meet the needs of small artisan contractors conducting business within the trades and construction industry. There is no limit on the size of non-internet policies. Policies may be written for one year and renewed annually. Tract work is allowed in this program.

With a manual submission, the Navigators program can be a much broader submission and include much higher limits, buildings, and other real property not included in the online program. Contact your Underwriter with questions about unusual or large Property or Inland Marine prospects. Please submit Acord Applications for these Properties or Inland Marine prospects.

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.

Coverages: Max limit for all coverages not to exceed $2,500,00 any one Insured

• Office Contents: up to $2,000,000
• Misc Tools ($1500 in value or under per any one item): up to $2,000,000
• Computer Systems Hardware/Data and Media: up to $50,000
• Computer System Extra Expense: up to $5,000
• Scheduled Equipment - light/medium: up to $2,000,000
• Scheduled Equipment - heavy: $2,000,000
• Installation Floater: up to $500,000
• Rented and Leased Equipment: up to $500,000

Reasons for Referral

• Risks with less than 2 years in business
• Risks whose Inland Marine insurance has been non-renewed
• Risks with bankruptcy in the last 5 years
• Risks with an Inland Marine paid out loss that exceeded $5,000 paid in the past 3 years
• Risks with annual leased or rented equipment expenses over $50,000
• Non-Small Artisan Contractor Classes

Ineligible Risks

• Woodworkers, Cabinet Makers, or any operation where wood cutting or sawing occurs is prohibited. Cabinet Installation only okay.
• Risk involved in any activities: Bridge Builder, Dredging, Mining, Oil Field work, Recycling/Recycling Centers, Scrap Yard, or Warehousing.

Waiver of Premium

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

Risks Cancelled or Non-renewed by Other Company

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

Cancellations

Policies will be prorated (without penalties) when canceled for one of 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 operations

When a policy is canceledbefore for any reason other than outlined above, a short rate penalty of 10% of the prorated unearned premium will apply.

Reinstatement

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