5 Cities Insurance
BTIS — Business Owners Policy, Commercial General Liability
Provider profile for BTIS business owners policy (BOP) and commercial general liability. First Connect lists Business Owners Policy and Commercial General Liability and displays California in this provider's directory entry; current availability must be checked. BTIS is a wholesale intermediary; the issuing insurer is confirmed on each proposal and policy.
About this provider
Builders & Tradesmen's Insurance Services, Inc. (BTIS) is a wholesale insurance intermediary. Quotes placed through a wholesale intermediary are underwritten by a separate issuing insurer; the underwriting company, form, admitted or non-admitted status, and available program are confirmed on each proposal and policy, not from the intermediary name alone. A business owners policy (BOP) commonly bundles property and general liability for eligible small businesses; a standalone general liability (GL) policy generally addresses third-party bodily injury or property-damage allegations and does not automatically insure your own building, contents, or stock. Covered causes, limits, sublimits, deductibles, and included or optional coverages such as business income are set by the actual form and endorsements. Comparing quotes through an intermediary means reviewing which issuing company and service contacts each proposal uses, the proposed total cost, fees, deductibles, conditions, and which party handles changes, renewal, and claim notice.
First Connect lists Business Owners Policy, Commercial General Liability and displays California in this provider's directory entry; current availability must be checked. A directory listing is not an appointment, approval, or guarantee that any specific product is available for your business. Ask us to check current access and eligibility through First Connect for your operation.
Questions to review before requesting a quote
These are practical questions to prepare — not legal requirements or a guarantee of coverage. The issuing insurer, form, and eligibility are confirmed on each quote.
- Which issuing insurer, form, and program does each proposal use, and is the coverage admitted or non-admitted in California?
- Does the proposal bundle property and general liability in a BOP, or quote standalone GL — and which part, if any, insures your own building, contents, or stock?
- How are your actual operations, offsite work, and subcontracted work classified, and how do they map to the underwriting questions on each quote?
- What additional-insured, waiver of subrogation, or completed-operations endorsements does each proposal include or require, and how do they compare — a certificate of insurance alone does not create coverage?
- If business income or extra expense is included, what covered trigger, waiting period, and restoration period apply, and what limits or sublimits are scheduled?
- What is the proposed total cost, fees, deductibles, and conditions on each quote, and which party handles changes, renewal, and claim notice under the issued policy?
Official provider resources
These links go to the provider's own website and are provided for reference only. They are not maintained by 5 Cities Insurance and may change. Do not submit claim details, credentials, or customer data through this website's quote form.
Existing-policy claims
If you have an existing policy with BTIS and need to report a claim, use the claims contact on your declarations page or the provider's official claims resource — promptly and through a trusted channel. This website's quote form is for new quote and coverage-review requests only. If you are unsure where your current claim should go, contact us and we will help you find the right contact.
Sources reviewed
- First Connect carrier directory
- BTIS about (official)
- BTIS small business products (official)
- BTIS marketplace (official)
- BTIS how to report a claim (official)
Sources reviewed 2026-10-27.
FAQ
BTIS questions
Request a quote or coverage review with BTIS
We'll check current access and eligibility through First Connect for your operation. Coverage is subject to underwriting and the terms of an issued policy.