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...rs, and bed & breakfasts Apartments, condominiums, and office building...cluding retail stores, restaurants, apartments, artisan contractors, and mixed...

...s: -Restaurants -Garage Classes -Apartments -Mixed Occupancy -Lessors Risk -Of...urants, office/retail, wholesalers, apartments, mixed-occupancy properties, le...

Advanced E&S Group is a Midwest-focused Managing General Agency and surplus lines broker with broad access to commercial property and casualty markets. Our Commercial Building Owners Insurance program is built for agents and brokers who need flexible solutions for building-owner exposures — from full package policies to monoline property or liability placements. We work with multiple surplus lines carriers to place difficult, hard-to-place risks across a wide range of classes. Ideal Accounts and Appetite We write a variety of commercial property owners, focusing on small to mid-sized buildings. Typical clients include single-building investors, local property managers and owners of multi-tenant properties. We evaluate each account individually and often accommodate risks with prior losses or non-standard features. Examples of good-fit risks: A three-story commercial office building with multiple tenants and central HVAC A neighborhood shopping plaza with several retail tenants including a restaurant An older warehouse used for light manufacturing or storage that has had recent system updates Coverage Highlights and Advantages Our program offers flexible coverages that can be tailored to the owner’s exposures. Coverages are available as part of a packaged policy or written monoline when needed to fill gaps in a broker’s placement strategy. Key coverages include: Property and Commercial General Liability (GL/CGL) Business Income / Business Interruption Real & Business Personal Property Boiler & Machinery / Equipment Breakdown Crime and Theft Glass and Fire Coverage Umbrella and Excess Liability Underwriting Notes and Minimum Premiums Underwriting is performed on a case-by-case basis. We work with carriers that can address prior claims, older construction, mixed occupancies, and other complicating factors. Minimum premiums vary by state, coverage selections and risk characteristics; please contact a market specialist for guidance on expected pricing and appetite. Territories and Availability This program is available to licensed agents and brokers in IA, IL, IN, KS, KY, MI, MN, MO, NE, NJ, NY, OH, PA, VA, and WI. Policies are written on a non-admitted (surplus lines) basis, giving us flexibility to place harder-to-place risks through multiple markets. Why Work With Advanced E&S Group Advanced E&S Group combines deep Midwest market access with responsive underwriting and placement support. We prioritize fast turnaround, clear communication and practical solutions for complex placements. Whether you’re placing a single commercial building or a schedule of properties, our team can help you find competitive terms and structure coverages to protect building owners’ real and business personal property, income exposure and liability risks. Frequently Asked Questions What types of accounts are a good fit for this program?We target small to mid-sized commercial buildings including office, retail, industrial, and mixed-use properties. Properties with unique features or older construction are considered on a case-by-case basis. Can I submit accounts with prior claims or loss history?Yes. We review prior losses individually and frequently place accounts that have been declined elsewhere, depending on severity and risk controls. Is this program available on an admitted basis?No. This program is written on a non-admitted basis through various surplus lines carriers to allow greater flexibility on terms and classes. Do you offer monoline options?Yes. We can quote monoline property or liability coverage or combine coverages into a package policy based on your client’s needs. What states can I access this program in?The program is available in IA, IL, IN, KS, KY, MI, MN, MO, NE, NJ, NY, OH, PA, VA, and WI. Need help placing an account? Connect with a market specialist.

...ial projects, condos, townhomes, apartments and high-rise construction Progr...velopments, multifamily (townhomes, apartments, high-rises), commercial develo...

... Apartments Office Buildings ...cluding contractors, retail stores, apartments, restaurants, and more. Can I g...

Advanced E&S Group – Midwest Region is a Managing General Agency and surplus lines broker providing specialized insurance solutions for retail storefront operations. With a strong presence across the Midwest and select East Coast states, we offer flexible underwriting and access to multiple surplus carriers for package and monoline property and casualty placements. The Retail Stores Insurance program is designed for independent agents and brokers who need competitive, non-admitted solutions for small and mid-sized retail clients. Ideal Accounts and Appetite: Small- to mid-sized retail operations with physical storefronts General merchandise, clothing boutiques, home goods, convenience stores, and specialty retailers Retailers needing flexible package or monoline options Accounts with unique exposures or risks that may not qualify for admitted markets Coverage Highlights and Advantages: Business Income and Business Interruption — protects revenue and helps cover ongoing expenses after a covered loss Commercial General Liability (CGL) — broad liability solutions for retail operations Fire and Theft coverage for buildings, fixtures, and inventory Glass coverage for storefronts and display cases Real and Business Personal Property protection Flexible property and liability limits to match account exposures Underwriting Notes and Minimum Premiums: Available as package or monoline placements depending on the account profile Minimum premiums vary by class, location, and selected limits — contact us for specific guidelines We partner with multiple surplus lines carriers to find capacity for harder-to-place risks Territories and Availability: This Retail Stores Insurance program is available in IA, IL, IN, KS, KY, MI, MN, MO, NE, NJ, NY, OH, PA, VA, and WI. All placements are non-admitted, enabling flexible terms for accounts that fall outside admitted market appetites. Why Work With Advanced E&S Group: As a general agency and E&S broker, Advanced E&S Group combines underwriting experience with broad market access to help you place retail accounts that may not fit standard carrier guidelines. We focus on practical, competitive solutions for small and mid-sized retailers and work with agents to structure coverage that matches each client’s exposures. Examples of accounts that fit this program: a neighborhood home décor store with seasonal inventory swings and heavy foot traffic; a specialty downtown shop with unique property exposures and a compact footprint. For both, we can help you assemble property, liability, and income protection that address day-to-day risks and potential business interruption. Frequently Asked Questions What types of accounts are a good fit for this program?Small- to mid-sized retail storefronts — for example, clothing boutiques, convenience stores, and specialty shops — are ideal. We’ll also consider accounts with unusual exposures or hard-to-place elements that outgrow admitted markets. Is this program admitted or non-admitted?This is a non-admitted (surplus lines) program. Using surplus carriers allows greater flexibility in underwriting and terms for nonstandard risks. What coverages are included in the Retail Stores Insurance program?The program can provide property, liability, business income and interruption, theft, fire, glass, and other retail-specific coverages. Options are available as package or monoline placements to fit the account. What is the minimum premium for this program?Minimum premiums vary by class, location, and chosen limits. Reach out with account details so we can provide specific pricing guidance. In which states is this program available?The program is available in IA, IL, IN, KS, KY, MI, MN, MO, NE, NJ, NY, OH, PA, VA, and WI. Need help placing an account? Connect with a market specialist.

... Apartments Office buildings ...

...t who services office buildings, apartment complexes, or residential homes — i...

Workers Compensation Insurance is a critical coverage line for hotels, motels, and resort operations due to the high frequency of workplace injuries such as slips, falls, strains, and repetitive motion injuries. The hospitality industry often involves physically demanding tasks, shift work, and fast-paced environments, all of which contribute to elevated risk levels for employees. Proper coverage helps protect your clients from costly claims and ensures compliance with state requirements. Novatae Risk Group, through its Empire Underwriters division, offers a specialized Workers Compensation program designed specifically for the hospitality sector. This program is backed by “A” rated carriers and includes expert underwriting support to help you place accounts efficiently and effectively. Whether you’re working with a boutique hotel or a multi-location resort, our team acts as an extension of your agency to help you navigate complex risks and identify the right solutions for your insureds. Call us today at 800-758-8113 to speak with an experienced broker about your Hotel, Motel, or Resort Workers Compensation accounts. Ideal Accounts and Appetite Independent hotels and motels Franchised hospitality chains Destination resorts and spa retreats Properties with food service, housekeeping, and maintenance operations You might have a client who owns a mid-sized resort in Florida with a full-service restaurant and spa. Or perhaps a privately-owned motel in California with 25 employees. These are the types of accounts this program is built to handle. Coverage Highlights and Advantages Access to “A” rated carriers for financial stability and reliability Competitive 10% commission Fast turnaround on quotes with complete submissions Coverage available across 25+ states Underwriting Requirements and Minimum Premium Minimum premium of $7,500 Completed Acord 130 application 3 years of currently valued loss runs Supplemental hospitality questionnaire Details on any large or unusual losses Applications with complete, organized documentation receive faster underwriting turnaround, helping you deliver timely quotes to your clients. Territories and Market Access This Workers Compensation program is available in over 25 states, including AL, AK, AZ, AR, CA, CO, CT, FL, GA, IL, KY, LA, MS, MO, NV, NJ, NM, NY, NC, PA, SC, TN, TX, UT, VA, and WV. Admitted and non-admitted markets are available depending on the state and risk profile. Why Work With Novatae Risk Group? As a Managing General Underwriter and E&S Broker, Novatae Risk Group brings deep experience in hospitality risk management and access to a wide array of markets. Our in-house experts help simplify the placement process and provide tailored support that helps you win and retain accounts. We’re here to help you grow your Workers Comp book with reliable markets and responsive service. Need a quote for your hotel, motel, or resort client? Email your submission to [email protected] or call 800-758-8113 to speak with an underwriter today. Frequently Asked Questions What types of accounts are a good fit for this program?This program is ideal for hotels, motels, and resorts with standard operations, including housekeeping, food service, and maintenance staff. Both independent and franchised properties are eligible. Is there a minimum premium requirement?Yes, the program requires a minimum premium of $7,500. What documents are needed to submit an account?Submissions should include a completed Acord 130, three years of loss runs, a supplemental hospitality questionnaire, and any details of large losses. How quickly can I get a quote?Quotes are typically provided quickly once a complete submission is received. The turnaround time depends on the complexity of the risk. In which states is this program available?The program is available in over 25 states, including CA, FL, TX, NY, GA, and others. Contact us for specific state availability. Need help placing an account? Connect with a market specialist.

...have a client that owns multiple apartment complexes or a regional consulting ...