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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.

At Demetriou Group we offer tailored Medical Offices Insurance solutions designed for independent agents and brokers placing medical and allied health risks. Overview of the Program from Demetriou Group This Managing General Agency program is positioned to place a broad range of medical office and outpatient clinic risks. Demetriou Group works with multiple carrier partners (varies by account) to provide a package approach that combines general liability, professional (medical) liability, excess limits and property capacity appropriate for medical practices, diagnostic labs and other outpatient services. Ideal Accounts and Appetite The program targets small to mid-sized medical office operations and outpatient facilities. Typical classes that fit well include: AIDS testing services Alcohol and drug centers Audiologists Chiropractors Dental offices & labs Diagnostic imaging and X-ray labs (including MRI, lithotripsy) Home health agencies and mobile diagnostic centers Medical billing services and lab technicians Mental health clinics, counselors, psychologists, social workers, therapists Optometry offices, urgent care and standalone surgery centers Accounts with routine outpatient diagnostic and treatment exposures, stable risk controls, and standard staffing levels are the primary focus. High-hazard inpatient facilities, large ambulatory surgery centers with complex procedures, or operations with documented regulatory actions may require special review or be outside appetite. Coverage Highlights and Advantages Commercial General Liability: typically available at $1,000,000 per occurrence. Professional (Medical) Liability: capacity referenced at up to $3,000,000 aggregate through the program. Excess Liability: excess limits may be available up to $5,000,000 depending on carrier placement. Property: options to place up to $5,000,000 TIV (total insured value) when needed. Employee Benefits Liability: available as part of the package where required. Because Demetriou Group works with multiple markets, you gain flexibility to tailor limits and coverages to the client’s exposure profile while keeping placement options centralized through one underwriting partner. Underwriting Notes and Minimum Premiums Underwriting considers specialty, claims history, patient volume, procedures performed, and facility controls (infection control, credentialing, security). Minimum premium and specific terms vary by carrier and state—consult the program for quoting guidance. Be prepared to submit a detailed application, loss runs, and facility information for faster evaluation. Territories and Availability This program is available through Demetriou Group in CT, ME, MA, NH, NJ, NY, PA, RI and VT. Availability and admitted vs. non-admitted options vary by state and carrier; confirm placement options at submission. Why Work with Demetriou Group on Medical Offices Insurance As a managing general agency focused on specialty commercial lines, Demetriou Group provides underwriter access across multiple carriers, experienced medical-lines underwriting, and the flexibility to structure combined GL/PL/property packages. That makes it efficient for agents to present a single submission and pursue tailored solutions for a variety of outpatient and clinic risks. Example Scenarios • You have a two-provider outpatient physical therapy clinic seeking combined general and professional liability with modest property limits — this program can provide package options with tailored limits. • You represent a diagnostic imaging center (MRI/X-ray) that needs professional liability, facility liability and excess capacity — the program’s carrier panel can be used to assemble the appropriate layered limits. For quoting, submit the client’s completed application, recent loss runs, facility details and any provider credentialing documentation. Carriers and minimum premiums vary; contact Demetriou Group for current appetite and submission guidance. Frequently Asked Questions What types of medical offices are a good fit for this program?This program is best for outpatient clinics and medical offices such as dental practices, diagnostic labs (MRI, X-ray), urgent care centers, behavioral health clinics, therapists, optometrists, and similar allied health providers with routine outpatient procedures. Which states is the program available in?Demetriou Group currently markets this Medical Offices Insurance program in CT, ME, MA, NH, NJ, NY, PA, RI and VT. Coverage availability and whether an admitted or non-admitted placement is used depend on the state and carrier. What documentation should I include with a submission?Provide a completed application, most recent loss runs (typically 5 years if available), facility information (services offered, staffing, controls), and credentialing or licensing details for providers. Additional attachments may be requested depending on the risk. Are excess limits and property available through the program?Yes. Excess liability capacity (up to $5M referenced) and property limits (up to $5M TIV referenced) are available through market partners, subject to underwriting and carrier approval. Who do I contact for quoting and placement guidance?Submit the account to Demetriou Group with the requested documentation. Because carriers and minimum premiums vary, the program underwriters will review and advise on appetite, required attachments and next steps for placement. Need help placing an account? Connect with a market specialist.

At Demetriou Group, we provide Commercial Real Estate Insurance solutions through dedicated property and liability programs tailored for a wide range of real estate classes. Our offering is built to place both single-property risks and large portfolios with competitive pricing, flexible terms, and access to multiple carriers. If you need a market for standard or harder-to-place commercial real estate risks in the Northeast, Demetriou Group can help you find the right fit. Ideal Accounts and Appetite We write commercial real estate accounts of all sizes, including those that are underserved by standard markets. Our target classes include: Condominium associations Apartment buildings and garden-style apartments Senior housing and independent living residences Student housing Cooperatives Typical fits range from smaller, single-site apartment buildings to large, multi-state senior living portfolios. We can consider developing risks and established properties; however, highly speculative developments or properties with unresolved code violations or significant unaddressed hazards may require additional underwriting review. Coverage Highlights and Advantages Demetriou Group offers Monoline Property, Monoline General Liability, and Umbrella package solutions. Coverage is customizable to address exposures common to commercial real estate operations, including property damage, liability from tenant operations, and higher-limit umbrella protection for large exposures. Key advantages: Broad coverage terms and flexible underwriting approach Competitive rates across small to large accounts Access to multiple admitted and non-admitted carriers for placement flexibility Ability to package property and liability or quote monoline limits as needed Underwriting Notes and Minimum Premiums Underwriting considerations include property construction and age, occupancy mix, loss history, management practices, and controls for common liability exposures. Minimum premiums vary by account and coverage type; provide specific account details so our underwriting team can confirm thresholds and available options. We routinely evaluate risks with straightforward operations as well as those that need tailored terms. Territories and Availability This program is available in: Connecticut, Maine, Massachusetts, New Hampshire, New Jersey, New York, Pennsylvania, Rhode Island, and Vermont. We are actively seeking new agency partners in these states and can help agents grow their commercial real estate books where markets are limited. Why Work With Demetriou Group? As a Managing General Agency specializing in commercial property, Demetriou Group combines underwriting expertise with broad carrier relationships. We provide responsive service, flexible placement options (admitted and non-admitted), and support for both standalone and packaged solutions. Partnering with us gives you access to underwriters who understand the nuances of residential and specialized commercial real estate. Example scenarios: You have a 50–75 unit garden apartment complex with solid loss control measures and need both property and GL limits — we can provide competitive, packaged options. You manage a growing senior housing portfolio across several Northeastern states and need consistency of coverage and carriers — we can assist with multi-state placement strategies. Frequently Asked Questions What types of accounts are a good fit for this program? We target apartment buildings, condominiums, student and senior housing, cooperatives, and independent living residences—from single properties to larger portfolios. Can you write monoline property or liability coverage? Yes. We offer Monoline Property, Monoline General Liability, and Umbrella packages to meet specific client needs. Which states is this program available in? This program is available in CT, ME, MA, NH, NJ, NY, PA, RI, and VT. Is this program admitted or non-admitted? We have access to both admitted and non-admitted markets; placement depends on the risk profile and state requirements. What is the minimum premium required? Minimum premiums vary by coverage and account details. Submit the specifics of the risk so our team can provide accurate minimums and options. Need help placing an account? Connect with a market specialist.

The Demetriou Group is pleased to offer a specialized Bar and Tavern Insurance program designed for hospitality businesses involved in alcohol sales and service. Whether you’re working with a startup bar or a well-established nightclub, we provide flexible and comprehensive coverage solutions tailored to meet the unique risks faced by these establishments. Ideal Accounts and Appetite This program targets a wide range of establishments, including: Bars and Taverns Nightclubs with entertainment and dancing Restaurants with full-service bars Fast food locations with liquor service We can consider both new ventures and existing businesses, with sales up to $5,000,000 for restaurants and up to $3,000,000 for bars and taverns. Accounts involving bouncers and late-night operations are eligible. If you’re looking to place a new nightclub with dancing and a full bar, or a tavern in a recently renovated building, this program could be a strong fit. Coverage Highlights and Advantages Our Bar and Tavern Insurance program offers two tiers of Liquor Liability coverage: Basic Coverage: Excludes assault or battery coverage; expense costs are inside the limits. Top Shelf Coverage: Includes full limits for assault or battery; expense costs are outside the limits. Additional Commercial Property and Casualty coverages include: Umbrella and Excess General Liability options Employment Practices Liability quotes available Equipment Breakdown coverage with up to $250,000 in spoilage and refrigerant contamination, plus power interruption protection Value Plus endorsement for loss of accounts receivables, valuable papers, employee dishonesty, and more No liability deductible Property credits available for newer or recently updated buildings Underwriting Notes and Minimum Premiums Minimum premiums vary depending on the risk profile and selected coverages. The program is designed to accommodate both small and mid-sized businesses operating in the food and beverage industry. Our underwriting team is experienced in handling accounts with complex exposures such as high liquor sales or live entertainment. Territories and Availability This program is available in the following states: CT, ME, MA, NH, NJ, NY, PA, RI, and VT. We work with a variety of carrier partners to offer admitted and non-admitted solutions, depending on the jurisdiction and risk characteristics. Why Work With The Demetriou Group As a Managing General Agency with deep experience in hospitality-related risks, The Demetriou Group provides agents and brokers with access to competitive markets and responsive underwriting. We understand the challenges associated with placing bar and tavern business and are here to help you secure the right coverage for your clients—efficiently and effectively. Call us today for all of your Bar and Tavern Insurance needs! Frequently Asked Questions What types of accounts are a good fit for this program?We target bars, taverns, nightclubs, and restaurants with liquor service. New ventures and businesses with entertainment or bouncers are eligible. Is assault and battery coverage available?Yes, our Top Shelf Coverage includes full limits for assault and battery with expense costs outside the limits. Can you write accounts with 100% liquor sales?Yes, we offer Liquor Liability coverage for establishments with up to 100% liquor sales. In which states is the program available?The Bar and Tavern Insurance program is available in CT, ME, MA, NH, NJ, NY, PA, RI, and VT. Are property credits available?Yes, restaurants in newer or recently updated buildings may be eligible for property credits. Need help placing an account? Connect with a market specialist.