Advanced E&S Group – Midwest Region is a Managing General Agency and surplus lines broker that offers specialized Contractors-Artisan Insurance solutions. With broad market access and experienced underwriting for contractor classes, we help agents place hard-to-fit and unique contractor risks across the Midwest. Whether your client is a solo artisan or a larger contractor with multiple jobsite exposures, we can tailor a package or monoline program to match exposure and budget needs.
Ideal Accounts and Appetite
We focus on artisan and general contractor classes commonly found in residential, commercial, and light industrial work. Typical accounts include:
- Carpenters and framing contractors
- Electricians, plumbers, and HVAC technicians
- Masonry, drywall, and painting contractors
- Excavation and grading contractors
- Roofers and siding installers (subject to underwriting review)
We also consider new ventures and contractors with prior loss history; each submission is evaluated on its own merits. High-hazard trades or accounts with recent large losses may require additional information or be declined depending on carrier appetite.
Coverage Highlights and Advantages
Our Contractors-Artisan Insurance program provides flexible, modular coverage to help your contractor clients manage operational risk and satisfy contract requirements. Available coverages include:
- General Liability (GL / CGL)
- Business Income
- Contractors Equipment
- Inland Marine
- Products Liability
- Owners & Contractors Protective (OCP)
- Personal Property / Business Personal Property
- Theft
- Umbrella / Excess Liability
This program is designed to consolidate common contractor exposures in one solution — third-party liability, equipment loss, property damage, and product exposures. For example, you might place a small HVAC contractor with multiple service vans and portable tools on a package that includes GL, inland marine for tools, and business income for a shop loss.
Underwriting Notes and Minimum Premiums
Policies are written on a non-admitted basis through a range of surplus lines carriers. Terms and pricing depend on class, payroll, revenues, equipment values, and loss history. Minimum premiums vary by carrier and risk profile; submit a complete application and loss runs (if applicable) for the fastest turnaround. Our underwriting team works directly with agents to structure limits and endorsements that balance cost and coverage.
Territories and Availability
Advanced E&S offers this Contractors-Artisan program across the following Midwest states: IA, IL, IN, KS, MI, MN, MO, NE, OH, and WI. We understand regional contracting practices and can help place accounts that do work across state lines within these territories.
Why Work With Advanced E&S Group?
As a specialized MGA and surplus lines broker, Advanced E&S brings deep knowledge of contractor classes and niche risk placement. Our strengths for agents include:
- Access to multiple E&S markets for hard-to-place contractor risks
- Regional underwriting expertise focused on Midwest contractor exposures
- Flexible package and monoline options to meet contract and lender requirements
- Responsive service and direct underwriting support to speed placements
If you have an account that needs a surplus lines solution or limits beyond admitted capacity, Advanced E&S can help source carriers and tailor terms. Submit complete applications and supporting loss history to engage our underwriting team quickly.
Frequently Asked Questions
What types of contractor risks are best suited for this program?
This program targets artisan and general contractors such as electricians, plumbers, HVAC technicians, painters, and carpenters. Roofers and excavation contractors may be considered but typically require additional underwriting review.
Can new ventures or contractors with prior losses be considered?
Yes. We will consider new ventures and applicants with prior losses on a case-by-case basis. Provide complete details and loss runs so underwriters can assess eligibility and pricing.
Is this program available on an admitted basis?
No. Coverage is placed on a non-admitted basis through various surplus lines carriers.
What information is needed to get a quote?
Submit a completed application, current loss runs (if any), and information on operations, payroll, subcontractor usage, and equipment values. The more complete the submission, the faster we can respond.
In which states is this program offered?
This program is available in IA, IL, IN, KS, MI, MN, MO, NE, OH, and WI.
Need help placing an account? Connect with a market specialist.