What is the full definition for dbo.tbl
I tried this
CREATE TABLE dbo.tbl (
ID int,
A bit NOT NULL DEFAULT (0),
B bit NOT NULL DEFAULT (0),
C bit NOT NULL DEFAULT (0)
);
INSERT INTO dbo.tbl
SELECT 1, 0,0,0 UNION ALL
SELECT 2, 1,0,1 UNION ALL
SELECT 3, 0,1,0
and it all worked fine - so perhaps you have other constraints on your version?