Overview — Office Building Owners Insurance from Advanced E&S Group
Advanced E&S Group - Midwest Region provides a targeted program to help agents place office building owner risks that need surplus-lines capacity, specialty underwriting, or broader coverage options than standard-admitted markets can offer. As an MGA and E&S broker, we bind through various non-admitted carriers and tailored paper to address common property and liability exposures faced by owners and managers of small to mid-size office buildings.
Ideal Accounts and Appetite
- Multi-tenant and single-tenant office buildings generally up to mid-sized portfolios.
- Office properties with professional tenants (law, accounting, medical administrative offices, technology services).
- Buildings with standard building systems (central HVAC, conventional roof types) and typical tenant improvements.
- Properties that need broader policy terms, higher sublimits for business income, or specialized endorsements (glass, crime/theft, sprinkler leakage).
We typically do not appetite properties with heavy manufacturing, significant solvent/chemical exposures, vacant long-term buildings, or high-rise office towers requiring specialized large account underwriting. Accounts that need admitted paper should be evaluated separately; this program focuses on E&S placement across the listed Midwest states.
Coverage Highlights and Advantages
- Comprehensive property coverage including building, real and business personal property, glass and crime/theft options.
- Business Income / Business Interruption wording and extended period options to better protect rental income streams.
- Commercial General Liability and Liquor/GL where applicable for tenant operations; ability to add common endorsements for tenant exposures.
- Flexible limits and sublimit structures through multiple non-admitted carriers to meet unusual or layered needs.
- Ability to package coverages or offer monoline placements depending on carrier appetite.
Underwriting Notes and Minimum Premiums
Underwriting considers location, construction type, protection class, vacancy, tenant mix, loss history, and operations on the premises. Roof age, sprinkler protection, and security/crime controls are key decision factors. Minimum premiums vary by carrier and risk characteristics; please include detailed exposure information and current valuation and loss runs when submitting for a prompt review.
Territories and Availability
This program is available in the following states: IA, IL, IN, KS, KY, MI, MN, MO, NE, NJ, NY, OH, PA, VA, WI. Coverage is placed through non-admitted markets; availability and terms may differ by state and carrier.
Why Work With Advanced E&S Group — Midwest Region
- Specialized E&S underwriting and market access for office building owners where admitted markets are limited.
- Experienced underwriting team focused on practical coverage solutions and flexible policy forms.
- Familiarity with regional exposures across the Midwest and access to various carriers and program options.
- Fast quoting when submissions include clear property details, valuation, tenant information, and loss runs.
Example Accounts That Fit This Program
- A 3-story, multi-tenant professional office building with above-average rental income and a recent loss-free history that requires higher business income limits than standard carriers offer.
- A single-owner suburban office property with multiple tenant suites seeking combined property, GL, and crime coverage on an E&S policy due to unusual occupancy endorsements.
Frequently Asked Questions
What types of office building accounts are a good fit for this program?
Small to mid-size multi-tenant or single-tenant office buildings with typical professional tenants, standard building systems, and active occupancy. The program is best when you need E&S capacity, broader terms, or tailored business income and property endorsements.
Which states can I place business through Advanced E&S Group - Midwest Region?
This program writes in IA, IL, IN, KS, KY, MI, MN, MO, NE, NJ, NY, OH, PA, VA, and WI. Coverage is placed through non-admitted carriers; availability and filing requirements may vary by state.
What information should I include with a submission to get a fast decision?
Provide property address, construction details, protection class/sprinklers, roof age, number of stories, occupancy and tenant mix, current valuations, and the most recent loss runs. Clear documentation helps underwriters quote more quickly and accurately.
Are there common exclusions or account types you will decline?
We generally avoid heavy industrial or manufacturing occupancies, long-term vacant buildings, and high-rise towers requiring large account placement. Specific declines depend on carrier appetite and individual exposures.
Need help placing an account? Connect with a market specialist.