BITCO Insurance

BITCO sells business insurance in Florida.

Based in Davenport, IA. In Florida since 1937. Owned by Old Republic Group.

Taking new business policies

Florida company code 09100, NAIC 20095.

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Policies in force

Not available

No count on file

Latest rate change

Not available

No rate change on file

Financial strength

A+ (Superior)

From AM Best, as of Oct 20, 2026

Complaints

2 complaints in 2025 (NAIC, nationwide)

NAIC, 2025, nationwide, all lines

Can I get a policy?

We're still gathering this company's rules. Call and we'll check for you.

Talk to a licensed agent (727) 997-5999

Two choices when your BITCO rate goes up

You have two choices. One 5 minute call covers both.

  • Keep BITCO, switch your agent. You sign one form. Same company, same coverage, same price. Only your agent changes, to one who answers the phone.
  • Shop it. Your new agent checks 80+ companies at every renewal.
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Before you call, see the Florida home insurance renewal checklist.

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What's changed recently

Is BITCO leaving Florida? No sign of it. On Oct 20, 2026 their site listed Florida with a claims office near Atlanta, and their two insurers held active OIR licenses. As of Nov 2, 2026. Source: bitco.com.

  1. A second BITCO firm gets a license

    OIR says BITCO National first got their Florida license on Nov. 1, 1943.

  2. BITCO gets a Florida license

    OIR says BITCO General first got their Florida license on Nov. 7, 1937.

See every BITCO update

Rate history

No rate filings tracked yet.

Want your BITCO renewal shopped?

A licensed Florida agent shops other companies for you. It is free and takes about 5 minutes.

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89 years in Florida

In Florida since 1937. Has paid claims through 28 hurricanes.

194019501960197019801990200020102020Agnes (1972, Category 1 at Florida landfall)Agnes Cat 1Eloise (1975, Category 3 at Florida landfall)Eloise Cat 3David (1979, Category 2 at Florida landfall)David Cat 2Elena (1985, Category 3 at Florida landfall)Elena Cat 3Kate (1985, Category 2 at Florida landfall)Kate Cat 2Floyd (1987, Category 1 at Florida landfall)Floyd Cat 1Andrew (1992, Category 5 at Florida landfall)Andrew Cat 5Erin (1995, Category 2 at Florida landfall)Erin Cat 2Opal (1995, Category 3 at Florida landfall)Opal Cat 3Earl (1998, Category 1 at Florida landfall)Earl Cat 1Georges (1998, Category 2 at Florida landfall)Georges Cat 2Irene (1999, Category 1 at Florida landfall)Irene Cat 1Charley (2004, Category 4 at Florida landfall)Charley Cat 4Frances (2004, Category 2 at Florida landfall)Frances Cat 2Ivan (2004)IvanJeanne (2004, Category 3 at Florida landfall)Jeanne Cat 3Dennis (2005, Category 3 at Florida landfall)Dennis Cat 3Wilma (2005, Category 3 at Florida landfall)Wilma Cat 3Matthew (2016)MatthewIrma (2017, Category 4 at Florida landfall)Irma Cat 4Michael (2018, Category 5 at Florida landfall)Michael Cat 5Ian (2022, Category 4 at Florida landfall)Ian Cat 4Nicole (2022, Category 1 at Florida landfall)Nicole Cat 1Idalia (2023, Category 3 at Florida landfall)Idalia Cat 3Debby (2024, Category 1 at Florida landfall)Debby Cat 1Helene (2024, Category 4 at Florida landfall)Helene Cat 4Milton (2024, Category 3 at Florida landfall)Milton Cat 3Isaías (2026, Category 2 at Florida landfall)Isaías Cat 2

Compare BITCO side by side

BITCO side by side with State Farm and Slide
BITCO State Farm Slide
New policies Taking new policies Checked Nov 2, 2026 Taking new policies Checked Nov 2, 2026 Taking new policies Checked Nov 2, 2026
Florida policies Not available 654,641 Florida OIR, Jul 31, 2026 475,227 Florida OIR, Jul 31, 2026
Latest rate change Not available +0.8% Home, from Jan 15, 2026 Not available
Complaint index 2 complaints in 2025 (NAIC, nationwide) NAIC, 2025, nationwide, all lines 0.63 NAIC, 2025, nationwide, homeowners. 1.00 is average. 0.88 NAIC, 2025, nationwide, homeowners. 1.00 is average.
Financial rating A+ (Superior) AM Best, Oct 20, 2026 A- (Excellent) AM Best A (Exceptional) Demotech, Oct 7, 2026
In Florida since 1937 1934 2022

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Questions people ask about BITCO

Claims and phone numbers (2)

What is the BITCO claims phone number?Call the claims office that serves Florida at 800-822-2905.

It is in Duluth, Georgia, near Atlanta. You can also report a claim online.

Source: BITCO Florida claims office page, read Oct 20, 2026

What is the BITCO main phone number?Call the home office in Davenport, Iowa, at 800-475-4477.

Source: BITCO contact page, read Oct 20, 2026

Bills and payments (1)

How do I pay my BITCO bill?If BITCO bills you directly, pay online through Pay My Statement on the BITCO site.

You can pay as a guest. If your agent bills you, pay your agent. BITCO Construction Group customers cannot pay on that site yet, so ask BITCO or your agent how to pay.

Source: BITCO, Pay My Statement page (E-Bill Express), linked from bitco.com, read 2026-10-21

Business and workers' comp (2)

Does BITCO insure Florida businesses?Yes.

Their site lists Florida as a state they serve. Florida claims go to their office in Duluth, Georgia.

Source: BITCO Florida branch office page, read Oct 20, 2026

How do I reach BITCO about a premium audit?Send an email to [email protected].

Bitco lists it on their contact page. That address is the one for premium audits.

Source: Bitco contact page, read Oct 22, 2026

About the company (2)

Is BITCO licensed in Florida?Yes.

OIR lists two BITCO firms as active in Florida. The older one, BITCO General, got their first Florida license in 1937.

Source: Florida OIR company search, read Oct 20, 2026

Is BITCO a good insurance company?Public data only: AM Best rates BITCO General Insurance Corporation A+ (Superior).

AM Best affirmed that on April 29, 2026. The NAIC shows 2 complaints against it in 2025, all lines. That is too few to compare.

Source: AM Best news release, April 29, 2026; NAIC Consumer Insurance Search, 2025 complaints, read 2026-10-20

Still deciding? Let us shop your BITCO renewal.

A licensed Florida agent shops other companies for you. It is free and takes about 5 minutes.

or call (727) 997-5999

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BITCO reviews and complaints: what the public data shows

BITCO rating

A+ (Superior) from AM Best, as of Oct 20, 2026.

Complaints
2 complaints in 2025 (NAIC, nationwide) NAIC, 2025, nationwide, all lines. As of Oct 20, 2026.
Years in Florida
Since 1937 (89 years)
Regulatory actions
Not available

No star ratings and no user reviews, only public data.