Ideal Accounts and Appetite
We write a variety of commercial property owners, focusing on small to mid-sized buildings. Typical clients include single-building investors, local property managers and owners of multi-tenant properties. We evaluate each account individually and often accommodate risks with prior losses or non-standard features.
Examples of good-fit risks:
- A three-story commercial office building with multiple tenants and central HVAC
- A neighborhood shopping plaza with several retail tenants including a restaurant
- An older warehouse used for light manufacturing or storage that has had recent system updates
Coverage Highlights and Advantages
Our program offers flexible coverages that can be tailored to the owner’s exposures. Coverages are available as part of a packaged policy or written monoline when needed to fill gaps in a broker’s placement strategy.
Key coverages include:
- Property and Commercial General Liability (GL/CGL)
- Business Income / Business Interruption
- Real & Business Personal Property
- Boiler & Machinery / Equipment Breakdown
- Crime and Theft
- Glass and Fire Coverage
- Umbrella and Excess Liability
Underwriting Notes and Minimum Premiums
Underwriting is performed on a case-by-case basis. We work with carriers that can address prior claims, older construction, mixed occupancies, and other complicating factors. Minimum premiums vary by state, coverage selections and risk characteristics; please contact a market specialist for guidance on expected pricing and appetite.
Territories and Availability
This program is available to licensed agents and brokers in IA, IL, IN, KS, KY, MI, MN, MO, NE, NJ, NY, OH, PA, VA, and WI. Policies are written on a non-admitted (surplus lines) basis, giving us flexibility to place harder-to-place risks through multiple markets.
Why Work With Advanced E&S Group
Advanced E&S Group combines deep Midwest market access with responsive underwriting and placement support. We prioritize fast turnaround, clear communication and practical solutions for complex placements. Whether you’re placing a single commercial building or a schedule of properties, our team can help you find competitive terms and structure coverages to protect building owners’ real and business personal property, income exposure and liability risks.
Frequently Asked Questions
What types of accounts are a good fit for this program?
We target small to mid-sized commercial buildings including office, retail, industrial, and mixed-use properties. Properties with unique features or older construction are considered on a case-by-case basis.
Can I submit accounts with prior claims or loss history?
Yes. We review prior losses individually and frequently place accounts that have been declined elsewhere, depending on severity and risk controls.
Is this program available on an admitted basis?
No. This program is written on a non-admitted basis through various surplus lines carriers to allow greater flexibility on terms and classes.
Do you offer monoline options?
Yes. We can quote monoline property or liability coverage or combine coverages into a package policy based on your client’s needs.
What states can I access this program in?
The program is available in IA, IL, IN, KS, KY, MI, MN, MO, NE, NJ, NY, OH, PA, VA, and WI.
Need help placing an account? Connect with a market specialist.