Business Insurance Solutions from A.I.I. Insurance Brokerage of MA
As an experienced Excess & Surplus Lines Broker, A.I.I. Insurance Brokerage of MA provides access to diverse commercial insurance markets for hard-to-place or unique business classes across Connecticut, Massachusetts, Maine, New Hampshire, and Rhode Island. Our Business Insurance program helps independent agents and brokers secure tailored coverage solutions for specialized industries that may fall outside standard underwriting guidelines.
Target Classes and Ideal Accounts
We focus on niche and higher-risk business segments that often require surplus lines solutions. Ideal accounts include:
- Day Care Centers and Nurseries – including both licensed and unlicensed facilities offering child care services.
- Pawn Shops – businesses engaged in collateral lending and secondhand goods sales.
- Service Stations – including full-service gas stations, auto repair shops, and convenience stores with fuel sales.
- Tanning Salons – stand-alone or part of spas and health clubs offering UV tanning services.
You might have a client who owns a combination service station and convenience store in Maine or a new tanning salon opening in suburban Massachusetts—these are the types of risks we help you place quickly and effectively.
Coverage Highlights and Program Advantages
Our access to various surplus lines carriers allows us to offer flexible terms that are often unavailable through the admitted market. Depending on the class and carrier, available coverages may include:
- Commercial General Liability
- Property, including Building and Contents
- Business Interruption
- Products & Completed Operations
- Professional Liability (where applicable)
- Crime and Inland Marine
We help you tailor policies with appropriate endorsements and limits, ensuring your insureds have the protection they need in industries with unique exposures.
Underwriting Notes and Minimum Premiums
Minimum premiums vary by class and carrier. Risks with a clean loss history and strong risk management practices are preferred, but we can review distressed accounts on a case-by-case basis. Our underwriters are responsive and willing to work with you to find a solution for non-standard accounts.
Territories and Availability
This program is available to licensed agents and brokers in the following states:
- Connecticut (CT)
- Massachusetts (MA)
- Maine (ME)
- New Hampshire (NH)
- Rhode Island (RI)
We operate primarily in the New England region and understand the local market landscape, regulatory nuances, and underwriting requirements for the area.
Why Work with A.I.I. Insurance Brokerage of MA?
A.I.I. Insurance Brokerage of MA has a long-standing reputation for helping agents and brokers place challenging commercial risks. Our relationships with multiple E&S carriers provide you with flexibility and competitive options for specialty business classes. Whether you're placing your first pawn shop or your tenth day care center, our team offers dependable service, quick turnarounds, and underwriting expertise to help you close more business.