From the Bituminous Program Manager

As our premier and largest class of business, the construction industry is our stock in trade. Our consistent, stable and responsive approach to this class of business has created many long-term relationships with our customers.
   The service needs of building trades contractors are specific. We are aware of your requirements because we have taken the time to identify them and to formulate a response that is workable in your world.

In many regions of the country, the name Bituminous is synonymous with contractors insurance.

Target Classes

• Concrete construction

• Carpentry

• Plumbing

• Masonry

• Painting

• Electrical

Customer Characteristics

The Bituminous building trades contractor customer is typically a medium- to large-sized operation which has been in business for at least three years, is well-managed and financially stable. Our core customers specialize in performing building trades for new buildings with a particular emphasis on commercial construction.
   We also look for a history of responding aggressively to controllable losses and the circumstances which give rise to them. We maintain that management involvement and disciplined risk control are critical to a contractor's successful risk management and insurance program. Our customers value our risk control expertise and depend on it.
   We strive to develop excellent rapport, open lines of communication and constructive working relationships with our customers. Through periodic visits to our customers' worksites, we develop ongoing, up-to-date information on their operations and are able to be responsive to their changing needs. Our risk control, claims and underwriting personnel are all well attuned to the needs of the building trades contractor and your needs for a reliable insurance program.

For many contractors Bituminous represents the best in efficient local underwriting delivery, high-impact customer service, responsive products and impeccable financial security.

Lines of Coverage

• Workers compensation

• General liability

• Automobile

• Umbrella

• Contractors equipment

• Property

• Installation floater

• Crime

Sample of Special Coverage Offerings

Available subject to underwriting guidelines.

• Automatic additional insured coverage

• Construction project general aggregate limits

• Property damage to the named insured's work

• Care, custody and control protection

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