Overview of the Program From A.I.I. Insurance Brokerage of MA
A.I.I. Insurance Brokerage of MA offers a Commercial Property Insurance program placed through excess & surplus lines markets to help independent agents secure coverage for harder-to-place property risks. As an E&S broker with access to multiple underwriting markets, A.I.I. focuses on classes that require flexible terms or specialized underwriting — including coastal exposures, service stations, taverns, vacant buildings and other commercial property accounts that may not fit standard admitted markets.
Who this program is for
- Independent agents and brokers looking for solutions for high-exposure commercial properties.
- Accounts with coastal exposure, older construction, mixed-use buildings, or fuel-handling operations.
- Clients needing broadened perils, sublimits or flexible policy terms not available in admitted markets.
Ideal Accounts and Appetite
This program typically targets the following account types:
- Coastal commercial properties (wind and storm exposures where E&S placement is appropriate)
- Service stations and small fuel retailers (properties with above- or below-ground tanks, island pumps)
- Taverns and bars (property exposures for locations with higher liability and liquor-related risks — property side only)
- Vacant or seasonal properties that are difficult to insure on admitted paper
- General commercial real estate with prior losses, unusual construction, or short-term occupancy issues
Typical accounts that do not fit: large accounts better suited for admitted markets with strong loss histories and standard exposures, or risks requiring state-mandated admitted coverage when no E&S solution is permitted.
Coverage Highlights and Advantages
- Access to various E&S carriers with flexible forms and endorsement options.
- Ability to consider broader perils, agreed value, ordinance & law options, and tailored sublimits.
- Underwriters experienced with properties that have coastal wind, named storm, or flood-adjacent exposures.
- Solutions for vacant property exposures where vacancy clauses and exposure controls are required.
- Streamlined submissions for familiar classes — quicker response for service stations and taverns with typical schedules and loss history.
Underwriting Notes and Minimum Premiums
Underwriting decisions are driven by location, construction, protection class, prior losses and operations (for example, fuel storage at service stations). Important submission items include a current Acord application, detailed property schedule, loss runs for the past 5 years, photos of the building and fuel-handling areas (if applicable), and any risk mitigation measures.
Minimum premium: Varies by carrier and risk. Because this is an E&S placement through A.I.I., expect minimum premiums to be set by the chosen market — provide full submissions to determine applicable minima.
Territories and Availability
Available to agents placing business in Connecticut, Massachusetts, Maine, New Hampshire and Rhode Island. A.I.I. places across most available markets — both admitted where offered and predominantly E&S when the admitted market is constrained. Confirm state-specific availability and any admitted vs. non-admitted limitations during submission.
Why Work With A.I.I. Insurance Brokerage of MA on This Business
- Excess & surplus lines expertise and access to multiple underwriting markets for non-standard commercial property risks.
- Practical experience with coastal and fuel-handling exposures, plus vacant property complexity.
- Responsive underwriting intake geared to independent agents — focused on getting timely declinations or bindable terms.
- Flexible approach to endorsements and valuation options to fit broker and insured needs.
Example client scenarios
- You have a seaside mixed-use building with older wood-frame construction and recent water intrusion; this program can help you find markets that will consider broader wind and water endorsements.
- A small service station needs property coverage but standard admitted markets decline due to fuel storage — A.I.I. can place with E&S carriers that underwrite station risks with tailored conditions.
Frequently Asked Questions
What types of accounts are a good fit for A.I.I.’s Commercial Property program?
Accounts with coastal exposure, service stations, taverns, vacant or unusual construction are good fits — especially when admitted markets are limited or when flexible E&S terms are required.
What submission materials should I include to get a quick response?
Provide a completed Acord, detailed property schedule (including construction, year built, protection class), five years of loss runs, photos (especially of fuel islands or vacant interiors), and notes on risk controls or recent renovations.
Is this program admitted or non-admitted?
A.I.I. places through most available markets; many placements are E&S (non-admitted) to secure broader terms. State and carrier availability determine whether an admitted option exists.
How are minimum premiums handled?
Minimum premium varies by carrier and risk profile. Submit the full package so underwriters can quote applicable minima for your account.
Need help placing an account? Connect with a market specialist.