BTIS is pleased to offer the AIG Excess Program, rated A XV by A.M. Best Co. We have created a simple, one-page, online application for your convenience.
Click here for the Artisan Contractors Supplemental
Policies may be written for one (1) year and in some circumstances written short term (minimum of 90 days) or longer than a year.
Most states have $0 SIR or deductible. Excess policies have no insured retention.
Excess premiums and exposures are subject to a final audit at the company's discretion. Earned premium for the exposure will be determined at the end of the policy period.
Additional or return premium account balances of $10.00 or less will be waived.
Please refer any risk that has been cancelled or non-renewed to BTIS 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.
Policies will be prorated (without penalties) when cancelled for the following reasons:
When a policy is cancelled for any reason other than outlined above, a penalty of 10% of the prorated, unearned premium and/or minimum earned will apply.
To avoid a lapse in coverage, all outstanding issues must be addressed and/or payments must be received by BTIS prior to the cancellation date.
Evidence of insurance can be provided by the Agent.
These are not processed by BTIS. An Excess policy (subject to exclusions) is a following form policy and will follow the underlying carrier for coverage.
Our Excess program does not automatically renew, but getting a price indication for a renewal is easy. Simply fill out the online application, including the expiring policy number, and submit it to our Excess team.
Yes, but please be aware that there is a minimum premium per million of coverage. With that, if the policy is cancelled, the the minimums will be kept by the company. Contact us with any questions.
This information is provided as a guideline only and is subject to change with or without notice.