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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.

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.

M.J. Hall & Company now offers Retail or Wholesale Stores Insurance — a flexible and robust solution designed for the complex exposures faced by retail and wholesale operations. Comprehensive Coverage for Retail and Wholesale Businesses Retail and wholesale businesses have unique risks due to customer foot traffic, employee exposure, physical goods, and high-value inventory. M.J. Hall & Company, Inc. understands these challenges and has built an insurance solution to address the needs of Retail Stores, Wholesale Stores, Distributors, and Importers. This includes a wide array of industries such as auto parts, clothing, groceries, furniture, hardware, household goods, industrial and manufacturing equipment, medical supplies, and pharmaceuticals. Target Classes and Ideal Accounts We offer coverage for a broad selection of businesses, including but not limited to: Independent retail stores and chains Wholesale distributors and importers Specialty equipment dealers Pharmaceutical and medical supply vendors Furniture and hardware outlets This program is a good fit for both Main Street operations and more complex risks with specialized inventory or high customer volume. Liquor liability is available for eligible accounts. Coverage Highlights Our Retail or Wholesale Stores Insurance includes a range of essential protections: General Liability Primary limits up to $3,000,000 Liquor liability available Medical payments coverage – $5,000 limit Additional insureds as needed Property Coverage Basic, Broad, or Special Form Replacement Cost or Actual Cash Value (ACV) Building and Contents Business Income Equipment Breakdown Accounts Receivable Computer Equipment Outside Signs Valuable Papers Crime Coverage Inside the Premises – Theft of Money and Securities Outside the Premises Underwriting and Premium Details Minimum premiums typically start at $500 and vary based on risk characteristics and coverage selections. We work with various carriers to tailor options for your clients. Our underwriters are experienced in evaluating both standard and hard-to-place risks, offering competitive and flexible solutions through the Excess & Surplus marketplace. Program Availability This program is available in the following states: Alaska (AK), Arizona (AZ), California (CA), Hawaii (HI), and Nevada (NV). Admitted and non-admitted options may be available depending on the state and risk. Why Work with M.J. Hall & Company As an established Excess & Surplus Lines Broker, M.J. Hall & Company provides agents and brokers with access to a wide network of carriers and deep underwriting knowledge. Our team understands the nuances of retail and wholesale risks and provides responsive service and customized solutions. Whether you are placing a new venture or a growing operation with complex needs, we are here to help you craft the right coverage. Our agents are ready to assist with your Retail or Wholesale Stores Insurance submissions. Contact us today to discuss your client’s unique needs. For appointment contact: [email protected] Frequently Asked Questions What types of accounts are a good fit for this program?This program is ideal for retail stores, wholesale operations, distributors, and importers of goods such as auto parts, furniture, groceries, medical supplies, and more. Is liquor liability available?Yes, liquor liability can be included for eligible accounts depending on the risk profile and underwriting approval. What is the minimum premium for this program?Minimum premiums typically start at $500, but may vary based on the size, location, and type of business. In which states is the program available?This program is currently available in Alaska, Arizona, California, Hawaii, and Nevada. What types of property can be covered?The program can cover buildings, contents, business income, equipment breakdown, computer equipment, outside signs, and more. Need help placing an account? Connect with a market specialist.

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

Pizza and Restaurant Delivery Insurance Program Amwins Program Underwriters offers monoline HNOA (Hired and Non-Owned Automobile) liability coverage tailored for pizza and restaurant delivery operations. This program provides focused liability capacity for restaurants that deliver food, with underwriting and distribution handled through Amwins as the managing general agency and capacity provided by General Star. Overview of the Program This program is designed for restaurants and food-service operators that use third-party drivers, owner-drivers, or employee drivers to deliver food. Coverage is monoline HNOA liability, with primary limits available up to $5,000,000 and defense costs outside the limit. The product is intended to sit as the primary hired/non-owned automobile liability for delivery operations where the restaurant needs a dedicated HNOA solution. Ideal Accounts and Appetite Any type of restaurant that offers food delivery, including pizza shops, fast-casual concepts, and independent restaurants. Multi-location operations with up to 30 locations. Restaurants that need dedicated HNOA limits to address exposures from delivery drivers, third-party delivery services, and borrowed vehicles. Accounts that typically do not fit include large national chains with complex centralized programs, operations with documented poor driving or claims history, or risks requiring admitted paper in jurisdictions where admitted placement is mandatory. Coverage Highlights and Advantages Monoline HNOA liability — focused coverage for delivery exposures without bundling into general liability. Primary limits up to $5 million with defense outside the limit, providing extended limit protection for serious liability claims. Underwriting expertise from an MGA experienced in food-delivery exposures and access to capacity through General Star. Nationwide placement (see availability below) to support agents with clients operating in multiple states. Underwriting Notes and Submission Requirements Underwriting emphasizes driver screening, fleet controls, and claims history. To obtain a quote, submit the following: Completed industry standard applications Pizza & RD (Monoline HNOA) supplemental application Currently-valued loss information for the lines to be quoted (current year plus four prior years) Current drivers list Current MVRs for all owners, managers, and drivers (a random sample approach is used on larger accounts) Underwriters may request additional information on driver training, delivery radius, use of third-party delivery platforms, and vehicle controls. Expect careful review of prior loss frequency and severity; high frequency loss accounts may be declined or subject to higher retentions. Territories and Admitted Status This program is available in all U.S. states except Louisiana. It is offered as a non-admitted/surplus lines product (not admitted in any state), and placement should follow surplus lines filing requirements in the insured’s state. Why Work With Amwins on Pizza & Restaurant Delivery Specialized appetite: focused on the unique HNOA exposures of delivery operations. MGA servicing model: underwriting guidance and placement support from Amwins Program Underwriters with access to General Star capacity. Flexible limits and defense outside the limit for serious liability protection. Practical underwriting requirements: straightforward submissions centered on driver and loss information for quick, informed decisions. Example scenarios You have a 12-location pizza chain that contracts with third-party couriers and needs separate HNOA limits to protect the parent company — this program can provide monoline HNOA limits up to $5M. You represent an independent restaurant offering in-house delivery with a small fleet of employee drivers and want primary hired/non-owned auto coverage with defense outside the limit — this program is a fit if the account has satisfactory driving controls and loss history. Frequently Asked Questions What types of accounts are a good fit for this program?Restaurants and food operators that provide delivery services — from single-location pizza shops to multi-location operators (up to 30 locations) — where the primary exposure is hired and non-owned automobile liability. Is this program admitted or non-admitted?This program is placed as a non-admitted (surplus lines) product and is not admitted in any state. It is available nationwide except for Louisiana; agents should follow surplus lines compliance for their state. What limits and insuring features are available?Primary HNOA limits are available up to $5,000,000. Defense costs are outside the limit, which can preserve limits for indemnity payments in serious claims. What documentation do I need to submit for a quote?Provide completed applications (industry standard and the Pizza & RD supplemental), currently-valued loss runs for the current year plus four prior years, a current drivers list, and MVRs for owners, managers, and drivers (random sampling may be used for larger accounts). Need help placing an account? Connect with a market specialist.

...elated. Business Owners Policy (BOP) – Covers property and general liabili...