Victory® Non-Admitted Plus

Small Artisan Contractor General Liability

The Victory® Non-Admitted Plus Contractor Program, underwritten by a Non-Admitted carrier rated A- by A.M. Best Co., takes what you're already familiar with and expands the classes of business we will accept, including the size of the risks. The intent is to offer you a product that has been traditionally underwritten via Acord applications, supplements and a great deal of time, and couple it with BTIS' online submission process. The result is a quote turnaround time translating into more binds.

  • Construction Managers
  • General Contractors engaged in construction of new single family dwellings
  • General Contractors engaged in construction of condos, townhomes, row homes or time shares
  • New residential construction of condominiums, townhouses or tract housing developments in which more than 15 houses or dwelling units have been built or are in any stage of development, planning or construction
  • Framers in new single family dwellings
  • Waterproofing (other than exterior decks)
  • Foundation work, including site prep/grading
  • Work performed 12 feet below grade, except for water well drilling
  • Work related to railroads, gas stations, refineries or chemical plants
  • Work involving airport runways, baggage or security
  • Playground or bleacher work
  • Elevator or escalator work
  • Risks engaged in Maritime operations
  • Risks engaged in the renting or leasing of equipment to others
  • Risks engaged in the selling or manufacturing of products sold under the Applicant's name
  • Exterior work exceeding three (3) stories in height, two (2) stories for some classes
  • Public street, road or highway work
  • Fire suppression contractors engaged in installation or service/repair
  • Swimming pool construction
  • Asbestos abatement
  • Risks with a high claims frequency

Annual Minimum Premiums

General Liability Limit

Minimum Premium

Occurrence GL form (CG 00 01)


Occurrence form with Sunset Provision


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 is $25,000. If all owners are clerical or sales, then the minimum payroll is charged for one owner only (plus any employee payroll).

Employee Payroll Includes
Payroll of employees (active in their trade), 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.

Explanation of Subcontractors and Their Cost

If subcontractors are used then you will need the total cost of payment to those subcontractors. We will also require the operations performed by the subcontractors for the Applicant (i.e.: 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 than our Insured’s limits.

  • 300,000/300,000/300,000
  • 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

Available deductibles range from $0 to $2,500.

Gross Receipts

Cap on Gross Receipts: $7,000,000

Payment Options

BTIS Financed
BTIS can arrange premium financing through Best Choice Premium 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.

Available Additional Insured Forms
  • Blanket Additional Insured Endorsement Form NX GL 189 (CG 2010 07-04 equivalent)
  • Scheduled Additional Insured Endorsement Form NX GL 188 (CG 2010 11-85 equivalent)
  • Completed Operations Additional Insured Endorsement Form CG 2037 (CG 3263 in Oregon)
  • Engineers, Architects or Surveyors Not Engaged by the Named Insured - CG 2007 (07-04)
  • Managers or Lessor of Premise - CG 2011 (01-96)
  • State or Political Subdivisions - Permits - CG 2012 (07-98)
  • Mortgagee, Assignees or Receiver - CG 2018 (11-85)
  • Lessor of Leased Equipment - CG 2028 (07-04)


Frequently Asked Questions

What commissions do I get paid?
Commission is 15% (you may 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 toll free at 877.649.6682.

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 Premium 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 toll free at 877.649.6682.

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 these risks by Acord application and fax to 916.772.9292.

How is new residential work defined?
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 new work.

How do I bind a policy?
Email or fax 916.772.9292 your request to bind, including the desired effective date and the binding documents requested online (signed by both the Agent and the Insured). To get to your binding documents, go online and select your submission, then click on the blue "Binding Documents" button.

This information is provided as a guideline only and is subject to change with or without notice.