Advanced E&S Group – Midwest Region is a Managing General Agency and surplus lines broker providing specialized insurance solutions for retail storefront operations. With a strong presence across the Midwest and select East Coast states, we offer flexible underwriting and access to multiple surplus carriers for package and monoline property and casualty placements. The Retail Stores Insurance program is designed for independent agents and brokers who need competitive, non-admitted solutions for small and mid-sized retail clients.
Ideal Accounts and Appetite:
- Small- to mid-sized retail operations with physical storefronts
- General merchandise, clothing boutiques, home goods, convenience stores, and specialty retailers
- Retailers needing flexible package or monoline options
- Accounts with unique exposures or risks that may not qualify for admitted markets
Coverage Highlights and Advantages:
- Business Income and Business Interruption — protects revenue and helps cover ongoing expenses after a covered loss
- Commercial General Liability (CGL) — broad liability solutions for retail operations
- Fire and Theft coverage for buildings, fixtures, and inventory
- Glass coverage for storefronts and display cases
- Real and Business Personal Property protection
- Flexible property and liability limits to match account exposures
Underwriting Notes and Minimum Premiums:
- Available as package or monoline placements depending on the account profile
- Minimum premiums vary by class, location, and selected limits — contact us for specific guidelines
- We partner with multiple surplus lines carriers to find capacity for harder-to-place risks
Territories and Availability:
This Retail Stores Insurance program is available in IA, IL, IN, KS, KY, MI, MN, MO, NE, NJ, NY, OH, PA, VA, and WI. All placements are non-admitted, enabling flexible terms for accounts that fall outside admitted market appetites.
Why Work With Advanced E&S Group:
As a general agency and E&S broker, Advanced E&S Group combines underwriting experience with broad market access to help you place retail accounts that may not fit standard carrier guidelines. We focus on practical, competitive solutions for small and mid-sized retailers and work with agents to structure coverage that matches each client’s exposures.
Examples of accounts that fit this program: a neighborhood home décor store with seasonal inventory swings and heavy foot traffic; a specialty downtown shop with unique property exposures and a compact footprint. For both, we can help you assemble property, liability, and income protection that address day-to-day risks and potential business interruption.
Frequently Asked Questions
What types of accounts are a good fit for this program?
Small- to mid-sized retail storefronts — for example, clothing boutiques, convenience stores, and specialty shops — are ideal. We’ll also consider accounts with unusual exposures or hard-to-place elements that outgrow admitted markets.
Is this program admitted or non-admitted?
This is a non-admitted (surplus lines) program. Using surplus carriers allows greater flexibility in underwriting and terms for nonstandard risks.
What coverages are included in the Retail Stores Insurance program?
The program can provide property, liability, business income and interruption, theft, fire, glass, and other retail-specific coverages. Options are available as package or monoline placements to fit the account.
What is the minimum premium for this program?
Minimum premiums vary by class, location, and chosen limits. Reach out with account details so we can provide specific pricing guidance.
In which states is this program available?
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.