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 independent agents and brokers with access to multiple commercial markets for hard-to-place and specialty business classes across Connecticut, Massachusetts, Maine, New Hampshire, and Rhode Island. Our Business Insurance program is designed to help you place risks that fall outside standard admitted guidelines by delivering tailored surplus lines solutions and responsive underwriting.
Target Classes and Ideal Accounts
We concentrate on niche and higher-risk commercial segments that typically require surplus lines capacity. Ideal accounts include:
- Day care centers and nurseries – licensed and unlicensed operations providing child care services.
- Pawn shops – operators of collateral-lending businesses and secondhand goods sales.
- Service stations – full-service gas stations, auto repair garages, and convenience stores with fuel sales.
- Tanning salons – stand-alone salons or locations within spas and health clubs offering UV tanning.
Example accounts: a combination service station/convenience store in rural Maine needing property and environmental considerations, or a new suburban Massachusetts tanning salon seeking GL and property protection with specific endorsements.
Coverage Highlights and Program Advantages
Through relationships with various surplus lines carriers, A.I.I. can offer flexible terms and endorsements not always available in the admitted market. Depending on the carrier and class, available coverages include:
- Commercial General Liability
- Property — building, contents and equipment
- Business Interruption and Extra Expense
- Products & Completed Operations
- Professional Liability (where applicable)
- Crime, Inland Marine, and specialty endorsements
We work with you to tailor limits and endorsements to a client’s exposures so insureds in specialty segments receive the protection they need.
Underwriting Notes and Minimum Premiums
Minimum premiums vary by class, carrier, and risk profile. Our underwriters favor accounts with sound risk management and clean loss histories, but we will consider accounts with prior losses on a case-by-case basis. Provide detailed submissions — loss runs, risk control information, and descriptions of operations — to speed placement and improve terms.
Territories and Availability
This program is available to licensed agents and brokers in:
- Connecticut (CT)
- Massachusetts (MA)
- Maine (ME)
- New Hampshire (NH)
- Rhode Island (RI)
We operate primarily across New England and understand regional underwriting nuances and regulatory considerations for these states.
Why Work with A.I.I. Insurance Brokerage of MA?
A.I.I. Insurance Brokerage of MA has established relationships with multiple E&S carriers and a track record of placing complex or non-standard commercial risks. We offer agents and brokers:
- Access to surplus lines capacity and flexible terms
- Responsive underwriting and case-by-case consideration for distressed or unique accounts
- Guidance on endorsements and limits tailored to unusual exposures
- Fast turnaround to help you close submissions efficiently
Whether you’re placing your first pawn shop or your tenth day care center, our team helps you identify appropriate markets and negotiate terms to place more business.