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Contract Litigation Insurance (CLI) from Demetriou Group protects insureds against the risk of paying an opponent’s attorneys’ fees when a contract dispute ends in a prevailing-party (loser-pays) result. This specialty policy is available for both plaintiffs and defendants and can be quoted with high coverage limits through Demetriou Group’s panel of admitted and non-admitted markets. Each year millions of contract lawsuits are filed in the United States and a large portion include a prevailing-party provision that permits the winner to recover attorneys’ fees from the loser. Those fee awards can exceed damages and materially threaten a client’s cash flow or ability to continue operations. Demetriou Group’s Contract Litigation Insurance is designed specifically to address that exposure — a gap that many standard liability and litigation policies expressly exclude. Overview — How Demetriou Group’s CLI Program Works Demetriou Group offers CLI as a one-time premium policy written within the first 12 months of active litigation. There is no deductible; the premium is fully earned at bind. Because CLI is event driven, earlier placement in the lifecycle of a dispute generally leads to lower premium costs and broader underwriting flexibility. Coverage can be issued for either side of the dispute and is frequently available with substantial limits, subject to underwriting. Ideal Accounts and Appetite Commercial contracts with a prevailing-party clause — suppliers, distributors, manufacturers, and service providers Technology and SaaS agreements where fee awards can be disproportionate to the contract value Construction subcontracts and professional services disputes that include fee recovery provisions Accounts where the claimant or defendant faces asymmetric litigation exposure (e.g., small business vs. deep-pocket counterparty) Typical accounts that fit the program: businesses of small to mid size with contract disputes filed in state or federal court, commercial litigation arising from breach of contract, and cases where the insured is seeking an insured outcome without risking catastrophic fee awards. Accounts outside appetite usually include criminal matters, class actions, or disputes with significant known adverse rulings or fraud allegations; each submission is reviewed on its merits. Coverage Highlights and Advantages Specific insurance against an opponent’s attorneys’ fees under prevailing-party clauses Available to plaintiffs and defendants High coverage limits available through multiple carrier partners One-time premium, no deductible — full premium earn-in at bind Event-driven placement: must be purchased within the first 12 months of a litigation Underwriting Notes and Minimum Premium Underwriters will assess the underlying contract, the existence of a prevailing-party provision, basic facts of the dispute, party financials, and prior litigation history. Early submission yields better options—Demetriou Group recommends submitting as soon as litigation is filed and before dispositive rulings. Minimum premium and specific terms vary by carrier and risk; please note the program lists minimum premium as "Varies." Territories and Regulatory Positioning Demetriou Group’s CLI program is available across all listed jurisdictions: AL, AK, AZ, AR, CA, CO, CT, DE, FL, GA, HI, ID, IL, IN, IA, KS, KY, LA, ME, MD, MA, MI, MN, MS, MO, MT, NE, NV, NH, NJ, NM, NY, NC, ND, OH, OK, OR, PA, RI, SC, SD, TN, UT, VT, VA, WA, DC, WV, WI, WY. The program is offered through multiple carrier markets (Varies) and can be placed on admitted or non-admitted paper depending on state availability and the carrier chosen. Why Place CLI with Demetriou Group? Specialized MGA expertise in niche litigation exposures and access to multiple markets Flexible placement for both plaintiffs and defendants with competitive limits Practical underwriting guidance that helps you position submissions early in the litigation lifecycle Streamlined quoting and placement from an experienced underwriting team that understands how CLI changes litigation strategy for insureds Example Scenarios You represent a mid-sized software vendor sued by a customer for contract nonperformance. The contract includes a prevailing-party clause and the customer’s demand for fees could be material to your client’s recovery—CLI can be placed to protect against an adverse fee award. A small manufacturing firm is defending a breach of supply contract where the counterparty has deeper pockets. Purchasing CLI early helps your client defend the claim without risking ruinous fee exposure if they lose. Submission Tips Provide the complaint or demand letter, the contract with prevailing-party language, basic financials for insured and adversary (if available), and a short litigation timeline. Early placement increases carrier options and may reduce premium. Because carrier appetite and minimum premiums vary, contact your Demetriou Group underwriter with the submission for a tailored review. Frequently Asked Questions What types of accounts are a good fit for Demetriou Group’s CLI program?Commercial contract disputes with a prevailing-party provision are the primary fit — examples include suppliers, service providers, technology vendors, and construction subcontracts. Small- to mid-sized businesses facing asymmetric fee exposure are ideal candidates. When must the policy be purchased during litigation?CLI is event driven and must be purchased within the first 12 months after the start of litigation. Earlier placement typically produces better carrier options and pricing. Does CLI cover both plaintiffs and defendants?Yes. Demetriou Group places CLI for both plaintiffs and defendants, subject to underwriting and carrier terms. What states and regulatory status apply to this program?The program is available in the states listed in the storefront (AL through WY and DC). Carrier placement may be admitted or non-admitted depending on state rules and the market selected. Need help placing an account? Connect with a market specialist.

Demetriou General Agency offers a specialized Bakery Insurance program designed to meet the unique needs of bakeries and food processors. With access to multiple carriers and markets, we can help you place a wide range of bakery-related risks, from small retail shops to commercial baking operations. Whether your client is baking artisan breads, cakes, or packaged goods, we can provide tailored coverage that protects their property, products, and operations. Ideal Accounts and Appetite Our program is ideal for a variety of bakery operations, including: Retail bakeries with storefronts Commercial and wholesale bakeries Bakery cafés and pastry shops Bakeries with delivery services or online sales We can accommodate both stand-alone bakeries and those with integrated retail or light foodservice components. Accounts with clean loss histories and established operations are preferred, though we will consider startups on a case-by-case basis. Coverage Highlights and Advantages Demetriou’s Bakery Insurance program provides core and optional coverages to address the full range of operational exposures: Property Insurance – Covers buildings, machinery, cooking equipment, point-of-sale systems, and inventory. General Liability – For both premises liability and products liability, including risks related to baked or processed goods. Inland Marine – Covers goods in transit, including finished products delivered to customers—particularly important for bakeries using third-party carriers. Crime Coverage – Protects against employee theft of inventory and related exposures, especially for retail or online sales operations. Excess and Umbrella – Additional protection against catastrophic liability, such as widespread illness caused by tainted food products. These coverages can be customized based on your client’s specific operations and risk profile. Underwriting Notes and Minimum Premiums Minimum premiums vary depending on the size and scope of the operation. We offer flexible underwriting and work with a variety of A-rated carriers to find the best fit for your client. Our team is experienced in evaluating bakery-specific exposures, which helps streamline the quoting process. Territories and Availability This program is available in the following states: CT, ME, MA, NH, NJ, NY, PA, RI, and VT. Coverage is offered on both admitted and non-admitted paper, depending on the risk and carrier. Why Work With Demetriou Group? As a Managing General Agency, Demetriou Group brings extensive experience and strong carrier relationships to the table. We understand the operational challenges and liability exposures bakeries face and offer tailored solutions to protect your clients. Our responsive underwriting team and market access make us a valuable partner for brokers placing bakery risks. Whether your client is a neighborhood bakeshop or a growing wholesale bakery with regional distribution, we can help you find the right coverage to meet their needs. Frequently Asked Questions What types of accounts are a good fit for this program?Retail bakeries, commercial and wholesale bakers, bakery cafés, and operations with delivery or online sales are all strong fits. Are new bakery businesses eligible for coverage?Yes, we will consider startups depending on the business plan and projected operations. Established businesses are preferred, but new ventures can be reviewed. Can this program cover bakeries that deliver products using third-party carriers?Yes, inland marine coverage is available for goods in transit, even if third-party or common carriers are used for delivery. Is the program available on an admitted basis?Yes, we offer coverage on both admitted and non-admitted paper, depending on the risk and state. What information is needed to get a quote?Basic business details, loss history, property values, and a description of operations are typically required. Additional info may be requested during underwriting. Need help placing an account? Connect with a market specialist.

Consider Demetriou General Agency for your Auto Repair Insurance needs! Overview of the Program From Demetriou Group Demetriou Group offers a robust Garage Insurance program designed to meet the diverse needs of auto-related businesses. As a Managing General Agency (MGA) with access to multiple carriers, we help independent agents place hard-to-find and specialized risks across the auto repair and dealership segments. Whether your client operates a small mechanic shop or a multi-location dealership, our program delivers flexible solutions and broad coverage options. Ideal Accounts and Appetite Our Auto Repair Insurance program targets a wide range of garage-related operations, including but not limited to: New and Used Car Dealers RV Dealers and Repair Facilities Auto Body and Paint Shops Heavy Truck Repair Shops Private Passenger Auto Repair Shops Motorcycle Dealers and Repair Centers Auto Stereo and Alarm Installers Auto Detailers and Car Washes Valet Parking Services Impound Yards Gas Stations with Auto Repair Bays Trailer Dealers and Public Livery Repair Shops If you work with clients in the automotive services space, chances are we have a solution for them. For example, you may have a client operating a combined gas station and repair garage, or a motorcycle repair shop looking for expanded liability protection—both are excellent fits for this program. Coverage Highlights and Advantages Our Garage program offers package policies with the flexibility to tailor coverage to fit your client's operations. Key coverage features include: Garage Liability Limits up to $5,000,000 General Liability and Package Options Garagekeepers Coverage on a Legal Liability, Direct Primary, or Direct Excess basis Garagekeepers Limits up to $5,000,000 per lot and $150,000 per vehicle Dealer’s Open Lot Coverage with limits up to $5,000,000 per lot and $150,000 per vehicle This comprehensive offering helps protect your clients from exposures including property damage to customer vehicles, liability for operations, and dealer inventory loss. Underwriting Notes and Minimum Premiums Minimum premiums vary depending on the class of business, location, and specific coverage needs. We work closely with appointed agents to understand the risk and provide competitive terms where possible. Submissions with clean loss history and complete applications are more likely to receive favorable consideration. Territories and Availability This program is available in the following states: Connecticut (CT), Maine (ME), Massachusetts (MA), New Hampshire (NH), New Jersey (NJ), New York (NY), Pennsylvania (PA), Rhode Island (RI), and Vermont (VT). We offer both admitted and non-admitted options based on the risk profile and state requirements. Why Work With Demetriou Group? With decades of experience in the garage space, Demetriou Group understands the unique exposures faced by auto-related businesses. Our dedicated underwriting team offers fast responses, flexible solutions, and access to a wide network of carriers. Whether you’re placing a standard auto repair shop or a more complex dealer operation, our team is here to support your success. Frequently Asked Questions What types of accounts are a good fit for this program?We target a broad range of garage-related businesses, including auto repair shops, dealerships, body and paint shops, gas stations with repair bays, and more. Are you able to quote in multiple states?Yes, this program is available in CT, ME, MA, NH, NJ, NY, PA, RI, and VT. We can help agents place risks across this regional footprint. What coverage limits are available?We offer Garage Liability and Garagekeepers limits up to $5,000,000 per lot and $150,000 per vehicle, along with Dealer’s Open Lot coverage at the same limits. What types of Garagekeepers coverage do you offer?We can provide Garagekeepers coverage on a Legal Liability, Direct Primary, or Direct Excess basis, depending on your client’s needs. Do you require a minimum premium?Minimum premiums vary by risk type and location. Contact us with a completed submission to receive a tailored quote. Need help placing an account? Connect with a market specialist.