I am curious on what time if any gets added to bids for jobs.
Every single labor minute including those by the owner must get paid unless you are running a volunteer organization. All labor not directly being paid by a job goes into overhead. A smart company will have an overhead rate (or several rates if they have several divisions with different cost structures) that reflect truthfully the overhead costs of running the business. That rate will be incorporated into any bid.
Now a company can lie to itself and reduce the overhead rate to win a bid, but that just means they will earn less profit because the overhead bills have to be paid regardless of what you bid. The proper way to reduce the overhead rate is to be more efficient with indirect labor, professional services, office supplies, and the like.
The corollary of this for small companies (like one-man bands) is that there are no "free estimates". All estimating labor and travel must be paid for and to do this it is put in the overhead rate so that paying customers end up paying for all the estimates that never became jobs.