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...- Restaurants - Garage Classes - Apartments - Mixed Occupancy - Lessors Risk -... and wholesale operations, garages, apartments and mixed-occupancy properties,...

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

...op Programs: • Business Owners – BOP & CPP • Artisan Contractors • ...

Advanced E&S is a Managing General Agency and Surplus Line Broker. We underwrite a range of commercial property and casualty classes for office building owners across the Midwest, offering flexible placement options through E&S carriers and program markets. Office Building Owners Insurance Coverages: Business Income Business Interruption CGL Fire GL Glass Liability Property Real & Business Personal Prop Theft Overview — Office Building Owners Insurance from Advanced E&S Group Advanced E&S Group - Midwest Region provides a targeted program to help agents place office building owner risks that need surplus-lines capacity, specialty underwriting, or broader coverage options than standard-admitted markets can offer. As an MGA and E&S broker, we bind through various non-admitted carriers and tailored paper to address common property and liability exposures faced by owners and managers of small to mid-size office buildings. Ideal Accounts and Appetite Multi-tenant and single-tenant office buildings generally up to mid-sized portfolios. Office properties with professional tenants (law, accounting, medical administrative offices, technology services). Buildings with standard building systems (central HVAC, conventional roof types) and typical tenant improvements. Properties that need broader policy terms, higher sublimits for business income, or specialized endorsements (glass, crime/theft, sprinkler leakage). We typically do not appetite properties with heavy manufacturing, significant solvent/chemical exposures, vacant long-term buildings, or high-rise office towers requiring specialized large account underwriting. Accounts that need admitted paper should be evaluated separately; this program focuses on E&S placement across the listed Midwest states. Coverage Highlights and Advantages Comprehensive property coverage including building, real and business personal property, glass and crime/theft options. Business Income / Business Interruption wording and extended period options to better protect rental income streams. Commercial General Liability and Liquor/GL where applicable for tenant operations; ability to add common endorsements for tenant exposures. Flexible limits and sublimit structures through multiple non-admitted carriers to meet unusual or layered needs. Ability to package coverages or offer monoline placements depending on carrier appetite. Underwriting Notes and Minimum Premiums Underwriting considers location, construction type, protection class, vacancy, tenant mix, loss history, and operations on the premises. Roof age, sprinkler protection, and security/crime controls are key decision factors. Minimum premiums vary by carrier and risk characteristics; please include detailed exposure information and current valuation and loss runs when submitting for a prompt review. Territories and Availability This program is available in the following states: IA, IL, IN, KS, KY, MI, MN, MO, NE, NJ, NY, OH, PA, VA, WI. Coverage is placed through non-admitted markets; availability and terms may differ by state and carrier. Why Work With Advanced E&S Group — Midwest Region Specialized E&S underwriting and market access for office building owners where admitted markets are limited. Experienced underwriting team focused on practical coverage solutions and flexible policy forms. Familiarity with regional exposures across the Midwest and access to various carriers and program options. Fast quoting when submissions include clear property details, valuation, tenant information, and loss runs. Example Accounts That Fit This Program A 3-story, multi-tenant professional office building with above-average rental income and a recent loss-free history that requires higher business income limits than standard carriers offer. A single-owner suburban office property with multiple tenant suites seeking combined property, GL, and crime coverage on an E&S policy due to unusual occupancy endorsements. Frequently Asked Questions What types of office building accounts are a good fit for this program?Small to mid-size multi-tenant or single-tenant office buildings with typical professional tenants, standard building systems, and active occupancy. The program is best when you need E&S capacity, broader terms, or tailored business income and property endorsements. Which states can I place business through Advanced E&S Group - Midwest Region?This program writes in IA, IL, IN, KS, KY, MI, MN, MO, NE, NJ, NY, OH, PA, VA, and WI. Coverage is placed through non-admitted carriers; availability and filing requirements may vary by state. What information should I include with a submission to get a fast decision?Provide property address, construction details, protection class/sprinklers, roof age, number of stories, occupancy and tenant mix, current valuations, and the most recent loss runs. Clear documentation helps underwriters quote more quickly and accurately. Are there common exclusions or account types you will decline?We generally avoid heavy industrial or manufacturing occupancies, long-term vacant buildings, and high-rise towers requiring large account placement. Specific declines depend on carrier appetite and individual exposures. Need help placing an account? Connect with a market specialist.

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

...ome Builders Condominium and Apartment Complex Developers Hi-Rise Cons...

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

...isks. Target classes include: Apartment: Owners of buildings used exclusively as apartment houses, including cooperatives. B...

...e Agent/Broker E&O Program with BOP includes: • E&O limits up to $5 m...tate Agent/Broker E&O Program with BOP is designed to protect your clients...

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.