From the Bituminous Program Manager

As our premier and largest class of business, the construction industry is Bituminous' stock in trade. Our consistent, stable and responsive approach to this class of business has created many long-term relationships with our customers.
   In our more than 80 years in service to general contractors we have crafted insurance programs to address a wide array of risk sizes, types and special coverage needs.

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

Customer Characteristics

The Bituminous general contracting customer is typically a medium- to large-sized operation which has been in business for several years, is well-managed and financially stable. Our core customers specialize in construction of 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 general contractors and the complex contractual relationships that are inherent to their business operations.

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

• Builders risk

• 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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