TBTCLA

To obtain a quote for insurance coverage, you must complete the membership application.

You can also request a quote by filling out the form below.

Premium Financing: TBTCLA offers financing for coverage through its affiliate, Greenlight Premium Finance. Greenlight offers quoting, secure payment, full account management, and inquiry response services online.

• Manage your Greenlight account
• Get a premium finance quote: All quotes provided to TBTCLA members include financing options from Greenlight.
• Use our Financing form

• Ceiling & Wall Contractors
• Environmental Cleanup Contractors
• Fence Installers
• Fireplace Installers
• Glass Installers
• Insulation Contractors
• Masonry Contractors
• Painting Contractors
• Roofing & Siding Contractors
• Sign Installers
• Snow Removal Contractors
• and MANY more

RPG refers to a “Risk Purchasing Group” authorized and formed under the Federal Liability Risk Retention Act of 1986. During the insurance crisis of the 1980s, Congress passed legislation allowing certain industries to form groups for the purpose of obtaining insurance because many smaller industry participants could not obtain or afford coverage on their own.

TBTCLA was one of the first RPGs formed under the Risk Retention Act and began operations in 1986. TBTCLA, formed in Utah, is registered in all 50 states to provide insurance coverage to members and has been a continual provider of insurance to the industry since formation.

TBTCLA has been available to the industry for 40 years and will continue to be available. Unlike many markets, TBTCLA has not come and gone over the years. TBTCLA has been constant. As a result of continual service to the industry, TBTCLA has vast experience handling industry-specific claims and sticks by its Members. TBTCLA remains committed to providing a defense for Members rather than simply entering into “nuisance” settlements, which can have a devastating long-term effect on Members’ businesses. If a defense is warranted, TBTCLA will provide it.

TBTCLA has obtained its insurance coverage for over 40 years from AM Best “A” rated insurance carriers.

With group insurance, a master policy is issued to the insured organization, in this case, TBTCLA, and each member is issued insurance through a certificate that adds the member to the master policy.

TBTCLA‘s coverage specifically provides each individual member with his, her, or its own limits of insurance so coverage is not limited by other members’ claims.

On occasion, insurance brokers may say RPG coverage is not “real insurance,” but they are mistaken. In fact, TBTCLA offers coverage from Prime Insurance Company, one of the most reputable names in the insurance business. RPG’s should be looked at carefully to make sure they have expertise and experience in the industry and obtain coverage from a reputable insurance name such as Prime.

Unfortunately for insurance brokers, TBTCLA does not pay a commission to producers. The Association goes direct to the insurer for coverage so no commissions are paid. In some circumstances, this is why a broker may tell a client that RPG’s are not “real insurance.”

Historically, the insurance industry has encouraged as much coverage as possible; however, lower limits are frequently more than adequate to provide owner operators with all the coverage needed. Additionally, having higher limits often provides clients and their attorneys with more incentive to sue because more money is available under the policy. TBTCLA typically quotes $100,000 per accident and $300,000 aggregate for a basic quote for most risks-although optional higher limit quotes are provided and offered. TBTCLA can provide up to several million dollars in coverage.

TBTCLA is registered in all states to provide insurance and the coverage offered generally meets all state requirements. If you have specific questions, please contact the state office that regulates your activities. Additionally, TBTCLA coverage is also accepted by state and Federal regulatory agencies such as the National Forest Service and others.

Yes, premium financing is available for Members. All quotes provided to TBTCLA members include financing options from Greenlight Premium Finance.

It’s easy, go to the “Membership” section on this page and sign up!

TBTCLA’s membership fee of $80 annually can be paid by check, EFT, or credit card.

TBTCLA, as a non-profit association, does incur costs associated with accounting, marketing, and administration. Membership fees pay the cost of doing business and attracting new members to ensure a continued industry group.

Transworld Building Trades & Contractors Liability Association is a risk purchasing group, which is domiciled in Sandy, Utah.

This communication does not contain any assertion, representation, or statement with respect to the business of insurance or with respect to any person in the conduct of his or her insurance business, that is untrue, deceptive, or misleading, and that is known, or that by the exercise of reasonable care should be known, to be untrue, deceptive, or misleading.

Statements made regarding insurance coverage are for general description purposes only and they do not amend, modify, supplement, or alter any insurance policy in any way, including but not limited to claims purposes, nor do they provide details regarding terms, conditions, coverage, exclusions, or services of any insurance policy. Policy eligibility is subject to underwriting qualifications and approval. Contact Transworld Building Trades & Contractors Liability Association for more information.

All information, content, and materials available on this site are for general informational purposes only. This information does not, and is not intended to, constitute legal advice on any particular set of facts or circumstances, and may not constitute the most current legal developments. No user or browser of this site should act or refrain from acting based on the contents of this site without first seeking legal advice from counsel in the appropriate jurisdiction. This website may also contain links to content from third-party web sites which are intended only as a convenience for the user or browser and are not necessarily recommended or endorsed by Transworld Building Trades & Contractors Liability Association and its affiliates. All liability with respect to actions taken or not taken based on the contents of this site are hereby expressly disclaimed. The content on this website is provided “as is” and no representations are made that the content is free of errors.

By submitting an application through this site, you acknowledge that certain personal data disclosed as part of the application process is necessary for purposes of evaluating and issuing insurance products to you by the insurer and its affiliates and you hereby consent to the insurer and its insurance affiliates processing such information. You understand that the insurer may share the information disclosed as part of the application process for purposes of evaluating and issuing insurance products and risk management services (including to the producer listed on the application), but that the insurer will not disclose your personal information to unaffiliated advertisers or vendors. You acknowledge that you have the right to withdraw your consent to the insurer’s use of your personal data that is deemed by the insurer to be unnecessary for the purposes stated above by notifying us in writing.

Privacy Policy and Notice

This policy describes how Transworld Building Trades & Contractors Liability Association, Inc.  and its Affiliates and Subsidiaries (“TBTCLA”) collects, uses, and shares your information.  When you use our sites, products, or services or otherwise form a relationship with us, we may obtain data from you and the devices you use to interact with us.

This policy is designed to provide transparency into our privacy practices and principles in a format you can navigate, read, and understand.

We commit to treat your personal information with care and respect and give you methods to contact us should you have any questions or concerns about the use of your information.

Finally, you may have received additional privacy documentation from us when you used a specific site, product, or service from us.  In that case, the documentation you received should be read in conjunction with this Notice.

This policy explains:

The Scope of this Policy

This Policy describes the processing of information provided or collected on our sites and applications where this privacy policy is posted. In some instances, we may provide additional data privacy notices specific to certain products, practices, or regions. Those terms should be read in conjunction with this policy.

If you provide information to us on a third-party site or platform, the information you provide may be separately collected by the third-party site or platform. That third-party site or platform’s privacy practices will govern the use of your information. Choices you make on that third-party platform will not apply to our use of the information we have collected through our sites, products, or services.

Your Privacy Rights

If you are a resident of certain states or countries, you may have the right to know, access, correct, transfer, restrict the processing of, opt-out  from certain types of processing (e.g., targeted advertising, the sale or sharing of personal information, as defined by the applicable state law(s)), and delete your personal information. If you choose to exercise any of these options, we will not discriminate against you for making that decision.

You may exercise your opt-out rights for targeted advertising and the sale or sharing of personal data by utilizing the consent banner on our website. Additionally, you can exercise your privacy rights by clicking the “Your Privacy Choices” link at the bottom of our website and select the applicable request, or by contacting us at [email protected]. When we receive a request to exercise a privacy right, we will review information we have collected about you (if any) with identifying information you may have provided us (such as a login, email address, mailing address, zip code, or transaction or order number) to authenticate your identity.  If you use an authorized agent to submit a request, we may require the authorized agent to provide proof that you gave the agent signed permission to submit the request. We may also require you to directly confirm with us that you provided the authorized agent permission to submit the request.

There may be situations where we cannot grant your request. In such a situation, we will explain our reasoning to you and will honor your right to appeal when applicable.

Information Collected or Processed

In the preceding 12 months, TBTCLA may have collected or processed the categories of personal information that are identified below. We generally collect the information listed below to secure, improve, and provide our services to our customers.

Identifiers such as a real name, alias, postal address, unique personal identifier, online identifier, Internet Protocol address, email address, account name, social security number, driver’s license number, passport number, or other similar identifiers.

Customer records information such as a name, address, telephone number, credit card number, debit card number, or other payment information.

Commercial information, including records of personal property, products or services purchased, obtained, or considered, or other purchasing or consuming histories or tendencies.

Internet or other electronic network activity information, including, but not limited to, browsing history, search history, and information regarding a consumer’s interaction with an internet website application, or advertisement.

Inferences drawn from any of the information identified in this subdivision to create a profile about a consumer reflecting the consumer’s preferences, characteristics, psychological trends, predispositions, behavior, attitudes, intelligence, abilities, and aptitudes.

Sources of Information

The sources from which personal information may have been collected or processed are the following: information that you provided to us, online tracking technologies, automatic data collection technologies, social media platforms and networks, business partners, etc. The purpose of such collection or processing include: providing our products and services, communicating with you, administering programs, marketing and promotional purposes (which may include targeted advertising), analytics and personalization, security and fraud prevention, legal obligations, core business functions, the job applicant process, etc.

How We Disclose Information

TBTCLA does not provide your personal information to other companies in exchange for money.  Some laws define the “sale” of information to mean TBTCLA has received something of value when it provides that information to a third party.  Under that definition, TBTCLA has Sold (for monetary or other valuable consideration) and Shared (for cross-context behavioral advertising purposes) your personal information in the last 12 months for the purposes of engaging in advertising and marketing activities. The categories of personal information we have sold or shared are the following: Identifiers, Commercial Information, and Internet or other similar network activity. The categories of recipients to whom we have sold or shared such personal information are the following: business and marketing partners.  We may disclose your information to our subsidiaries and affiliates, along with our service providers and third-party processors to provide services to you. We may also disclose your information with service providers and third parties when necessary to comply with laws and regulations; respond to subpoenas and court orders; exercise our legal rights or defend against legal claims; investigate, prevent, or take action regarding illegal activities, suspected fraud, potential threats to our property or the physical safety of any person, or violations of our usage instructions and applicable terms and conditions; facilitate the financing or insuring of our business or a disposition of all or part of our business or assets, or as otherwise permitted or required by law. We may disclose anonymized or aggregated data at our discretion, in accordance with applicable laws.

If you post your information or content to our online forums or media sites, this information is public on the Internet. We are unable to prevent or control further use of this information and refer you to the third-party sites’ privacy policies and terms of use to learn more about their privacy practices.

Your Controls and Choices

You can control how and when you want to receive marketing emails from TBTCLA by clicking on the “unsubscribe” link located at the bottom of our email communications to you.  This will not affect your receipt of administrative emails (for example, emails about your account, transactions, or policy changes) for your registered account.

Our Commitment to Protecting Information Belonging to Children

Our services are not intended for children under the age of 16. We do not knowingly collect information via our sites, products, and services from users under the age of 16. If you use our Services, you represent that you are at least the age of majority under the laws of the jurisdiction of your place of residence. If you believe your child has provided us with personal information, please alert us at [email protected]. If we learn that we have collected personal information from a minor, we will promptly take steps to delete such information and terminate the minor’s account.

Cookies and Other Technologies

Cookies are identifiers we transfer to your browser or device that allow us to recognize your browser or device and tell us how and when pages and features in our services are visited and by how many people. You may be able to change the preferences on your browser or device to prevent or limit your device’s acceptance of cookies, but this may prevent you from taking advantage of some of our features. We recommend you keep cookies activated. We have broken up our cookies into categories to help you understand what they do.

• Essential: These cookies are required to use our services. For example, they are necessary to access our website and login to your account.
• Performance: These cookies track how you interact with our website. For example, these cookies let us know which pages on our website load slowly or are not optimized for mobile use. We use this information to make improvements to our user experience.
• Functionality: These cookies track information about you to make using our website easier. For example, we may retain information such as your login status and viewing preferences.
• Marketing and Analytics: These cookies help us create targeted advertising experiences on our websites.

You can manage your cookie preferences on our cookie banner that pops up when you first visit our website.

Global Privacy Control

If you would like to control the use of cookies and similar internet technologies on your computer, you can use web browsers listed with the Global Privacy Control tool built into them.  These browsers limit cookie technologies and how they work while you browse the internet.  You can find a list of browsers with the Global Privacy Control tool built into it here: https://globalprivacycontrol.org/#download.

The use of the website and web browsers located at the site above is at your own risk, subject to the agreements from those web browsers’ developers, and subject to their privacy policies.  TBTCLA does not accept any liability associated with your use of the website above or the content you may download from that website.

Our Global Data Transfer Practices

We store and process your personal information on our servers located within the United States but may transfer your personal information to other countries outside of the United States for the purposes describe in this Privacy Policy. By using our websites, products, or services, you agree to the global transfer, process, and storage of your personal information.

Contacting Supervisory Authorities

If you would like to lodge a complaint against us, you may contact your local privacy regulator. If you have trouble locating a privacy regulator, please contact our privacy office at [email protected] and they will help you contact the appropriate enforcement agency.

How to Contact Us

If you have any questions about how we process your information, you can contact us at:

TBTCLA Holdings Insurance Services, Inc.

8722 Harrison Street

Sandy, UT 84070, USA

1-800-257-5590

[email protected]

This policy was last updated on: December 2025.

Relationship-Specific Details

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Relationship-Specific Details

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Web Users

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