Overview of the General Liability Program from Advanced E&S Group
Advanced E&S Group - Southeast Region offers a flexible and competitive General Liability Insurance program designed to help agents place a wide range of hard-to-place or niche business classes. As a Managing General Agency (MGA) with access to various carriers, Advanced E&S specializes in crafting customized solutions for non-admitted risks across multiple industries. This program is available in most states nationwide and is ideal for agents looking to secure liability protection for clients in specialized or higher-risk operations.
Target Classes
This General Liability program is built to accommodate diverse business operations, including:
- Artisan Contractors
- Manufacturing
- Mercantile Businesses
- Sales, Service, or Consulting Operations
- Pawn Shops
- Valet Parking Services
- Consignment and Thrift Shops
- Farm and Agricultural Liability
- Special Event Liability
- Hotels and Motels
- Condominium and HOA Liability
- Grocery and Convenience Stores
- Warehouse Operations
You might have a client who operates a small manufacturing facility or a contractor with a unique set of exposures—these types of accounts fit well within this program’s appetite.
Coverage Highlights and Advantages
- Limits available up to $1,000,000 per occurrence / $2,000,000 aggregate
- Various options to customize coverage to suit client-specific needs
- Primary and non-contributory wording available when required
- Automatic Additional Insured endorsement for eligible operations
- Hired and Non-Owned Auto Liability available
- Coverage for damage to premises rented to the insured
- $5,000 in Medical Payments coverage included
- Deductible options available per occurrence or per claim
Underwriting Notes and Minimum Premiums
Minimum premiums vary depending on the class of business, location, and risk characteristics. As a non-admitted program, flexibility in underwriting allows Advanced E&S Group to consider unique exposures and tailor solutions accordingly. Submissions should include complete details to expedite quoting and ensure the best possible terms.
Territories and Availability
This General Liability program is available in most U.S. states, including but not limited to AL, CA, FL, GA, NY, TX, and WA. Coverage is offered on a non-admitted basis through various carrier partners. Agents operating in diverse regions can rely on this program for consistent access to competitive general liability solutions.
Why Work With Advanced E&S Group?
As a trusted MGA, Advanced E&S Group brings deep market knowledge and carrier access to help agents place difficult or specialized risks. Their focus on service, underwriting flexibility, and broad appetite makes them a valuable partner for retail agents and brokers seeking responsive and reliable general liability markets. Whether placing a single location retail shop or a more complex service business, Advanced E&S delivers options that meet your clients’ unique needs.
Frequently Asked Questions
What types of accounts are a good fit for this General Liability program?
This program is ideal for artisan contractors, small manufacturers, retail operations, farms, special events, and niche service providers like valet or pawn shops.
Is this program admitted or non-admitted?
This is a non-admitted program, allowing for greater flexibility in underwriting and coverage customization for unique or higher-risk operations.
What states is this program available in?
The program is available in most U.S. states, including CA, FL, GA, NY, TX, and others. Contact Advanced E&S Group for state-specific eligibility.
Are coverage endorsements like Additional Insured included?
Yes, automatic Additional Insured endorsements are available, along with options like primary and non-contributory wording and Hired/Non-Owned Auto coverage.
What is the minimum premium for this program?
Minimum premiums vary depending on risk class, location, and coverage needs. Contact Advanced E&S Group for a tailored quote.
Need help placing an account? Connect with a market specialist.