Search CompleteMarkets

Beauty Insurance Consultants is your trusted...ors, importers, retailers, spas, and beauty equipment suppliers. We can accomm...

... coverage for accounts in: Beauty products Electronic cigarettes (e...

... operators Concrete and masonry supply haulers Insulation and drywall tran...

Advanced E&S Group - Midwest Region is a trusted Managing General Agency and Surplus Line Broker specializing in providing tailored property and casualty insurance solutions for a wide variety of commercial classes. With broad underwriting capabilities and access to multiple surplus lines carriers, we help independent agents and brokers secure coverage for hard-to-place or specialized risks across the Midwest and beyond. Liquor Stores Insurance Program Overview: Our Liquor Stores Insurance program is designed to meet the unique risks and challenges faced by liquor retailers. Whether you're working with a standalone neighborhood bottle shop or a larger multi-location store, we can help you place coverage that addresses key exposures associated with selling alcohol and managing high-value inventory. Ideal Accounts and Appetite: Retail liquor stores with or without tasting areas High-volume or high-value inventory operations Locations with prior claims history that need surplus lines solutions Independent or franchise-operated stores Coverage Highlights and Advantages: Commercial General Liability (CGL) Liquor Liability – essential for alcohol sales Business Income and Business Interruption Property Coverage including Fire, Theft, and Glass Real and Business Personal Property protection Our program is available as a package or monoline solution, allowing for flexibility depending on your client's needs. We understand the nuanced liability risks liquor store owners face, and our coverage is designed to respond accordingly. Underwriting Notes and Minimum Premiums: Minimum premiums vary depending on the size, location, and risk characteristics of the account. We offer flexible underwriting for qualified risks and can often accommodate accounts that may not qualify for standard markets due to claims history, building age, or liquor sales percentages. 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, and WI. All placements are written on a non-admitted basis through various surplus lines carriers. Why Work With Advanced E&S Group - Midwest Region: We bring deep expertise in underwriting liquor-related risks and have a strong understanding of the challenges agents face when placing these accounts. With access to multiple E&S carriers and a commitment to responsive service, Advanced E&S helps you provide your clients with competitive solutions, even for tough-to-place risks.You might have a client with a small urban liquor store that recently experienced a theft or fire loss—our program could be the right fit. Or perhaps a new owner is opening a store in a location where standard markets hesitate due to high liquor sales exposure—we can help place that risk effectively. Frequently Asked Questions What types of liquor store businesses are eligible for this program?We can consider standalone liquor stores, multi-location retailers, and stores with tasting areas. Accounts with prior claims or those needing surplus lines solutions are welcome. Is liquor liability included in this program?Yes, liquor liability is a key component of the program and can be included for eligible risks. Can I write monoline coverage or only package policies?Both options are available. We can write coverage as a package or on a monoline basis, depending on your client’s needs. What territories is this program available in?The program is available in IA, IL, IN, KS, KY, MI, MN, MO, NE, NJ, NY, OH, PA, VA, and WI. What is the minimum premium for this program?Minimum premiums vary based on the risk profile, location, and coverage needed. Contact us for underwriting review and pricing guidance. Need help placing an account? Connect with a market specialist.

Advanced E&S Group – Midwest Region is a trusted Managing General Agency and Surplus Line Broker, offering access to specialty commercial insurance markets for hard-to-place and niche risks. We specialize in placing coverage for convenience stores throughout the Midwest and select Eastern states, offering tailored solutions for a wide range of exposures common to this class of business. Overview of the Convenience Stores Insurance Program Our Convenience Stores Insurance program is designed for independent agents and brokers seeking a flexible solution for their retail clients. Whether your insured is a single-location corner store or a small chain with multiple locations, our non-admitted markets allow us to write accounts that may not qualify for standard market placement due to unique exposures or prior loss history. Ideal Accounts and Appetite We are actively seeking small to mid-sized convenience stores, with or without gasoline sales. Stores with 24/7 operations, liquor sales, or high foot traffic are welcome, as we have access to carriers that understand the increased exposures these operations present. Ideal submissions include: Standalone convenience stores C-stores with fuel pumps Locations with liquor sales Urban or rural locations We can consider risks with prior claims history or higher liability exposures, such as late-night operations or high-crime areas. Coverage Highlights and Advantages Our program offers comprehensive coverage options to help protect your insureds from the unique risks associated with running a convenience store. We can package or write monoline policies depending on your client's needs. Coverage options include: Commercial General Liability (CGL/GL) Property and Business Personal Property Business Income and Business Interruption Assault & Battery Liquor Liability Crime and Theft Excess Liability Food Spoilage and Contamination Glass Coverage Fire and Vandalism This broad menu of coverages allows you to craft a policy that aligns with your client’s specific operations and exposures. Underwriting Notes and Minimum Premiums Minimum premium requirements vary depending on the size, location, and risk profile of each account. We encourage agents to submit complete applications with current loss runs and detailed operational descriptions for faster turnaround. We have strong carrier relationships that allow us to be flexible on accounts that may not fit in standard markets. 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, and WI. All coverage is offered on a non-admitted basis through various carriers. Why Work With Advanced E&S Group? Advanced E&S brings deep market access and underwriting experience to help agents place challenging convenience store risks. We pride ourselves on responsive service, underwriting flexibility, and the ability to write what others can’t. Whether your client is a startup, a high-volume location, or a store with past claims, we’re here to help you find a solution. Frequently Asked Questions What types of convenience store accounts are a good fit for this program?We target standalone convenience stores, stores with fuel pumps, and locations with liquor or tobacco sales. High-traffic or 24-hour operations are also acceptable. Can you write accounts with prior losses or claims history?Yes, we can consider accounts with prior claims, especially when supported by strong risk management practices and current loss runs. Is coverage available for stores that sell alcohol or operate 24/7?Yes, our markets can handle liquor liability and exposures related to late-night or 24-hour operations. Do you offer package policies or monoline options?We can accommodate both package and monoline policies, depending on your client’s specific needs. What states is this program available in?This 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.

...ar piercing and facial services Beauty makeover specialists Accounts with c...

...e: Apartment buildings Bakeries Beauty shop supplies distributors Beverage s...

Veracity Insurance Solutions, LLC offers a focused Medical Equipment Product Liability Insurance program specifically designed for companies that manufacture, sell, service, or repair medical devices used in hospitals and other healthcare settings. Our underwriting team understands device risk, including Class III invasive devices, and works with a panel of multiple carriers to place accounts that can be difficult to insure in the standard market. Partner with Veracity to simplify placement and give your clients robust product liability protection tailored to medical device exposures. Target Classes • Anesthesia equipment • Bypass equipment • Catheterization lab and diathermy equipment • Cobalt therapy units • CT scanners • Defibrillators • Dialysis equipment • Electrophoretic equipment • Endoscopes • Film processing equipment • Life support and ventilation equipment • Linear accelerators • MRI scanners • Neonatal incubators & warmers • Ophthalmic lasers • Pacemakers • Radiographic equipment • Sterilizer and washing equipment • Surgical laser equipment • Surgical tables and lights • Telemetry equipment • Therapeutic X-ray equipment • Transcutaneous electrical nerve stimulation (TENS) equipment Program Highlights • Medical Professional (MP) deductible: $1,000 • Claims-made and occurrence forms available • No general liability deductible (on available forms) • Additional insured endorsements available • Employee benefits liability available • Limited professional liability included • Hired/non-owned auto and inland marine available • Limits up to $5 million (subject to underwriting) Overview for Agents and Brokers Veracity’s Medical Equipment Product Liability Insurance program is aimed at wholesale placement through agents and brokers. We combine targeted underwriting, flexible policy options (claims-made and occurrence), and access to admitted and non-admitted markets to secure terms for a wide range of medical device risks. Our team evaluates design, manufacturing, repair/service operations, distribution channels, and product use environments so you can present a complete submission. Ideal Accounts and Appetite Manufacturers and assemblers of hospital-grade medical devices, including some Class III invasive devices. Distributors, importers, and resellers of diagnostic and therapeutic equipment. Companies that provide repair, refurbishment, or servicing of medical devices used in clinical settings. Accounts with documented quality control, FDA/regulated-device history, and formal service procedures typically receive the most competitive consideration. Risks with ongoing recall activity, habitual regulatory enforcement, or undeclared device classifications may be declined or require specialized terms. Underwriting Notes and Minimum Premiums Underwriting focuses on product complexity, intended use, annual revenue from medical device operations, distribution territories, and loss history. Minimum premium varies by carrier and state. Veracity places with multiple carriers and can consider both admitted and excess & surplus solutions depending on appetite and exposures. Territories and Availability This program is available in the following states and territories: 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, TX, UT, VT, VA, WA, DC, WV, WI, WY. Admitted status: All Available Markets; Veracity operates as a Managing General Agency and Excess & Surplus Lines Broker to secure the best fit for each account. Why Work With Veracity Insurance Solutions, LLC As a specialty MGA and E&S broker, Veracity offers underwriters with device-specific expertise and placement flexibility across admitted and surplus markets. We streamline submissions and provide access to additional coverages (inland marine, hired/non-owned auto, employee benefits liability) so you can assemble comprehensive packages for your clients. Our focus on medical device product liability helps you place technically complex accounts that standard markets may decline. Example Account Scenarios You might have a client that manufactures hospital ventilators with documented ISO processes and routine service contracts — this program can consider product and limited professional liability with higher limits and tailored endorsements. Or you may represent a regional service provider that refurbishes and repairs diagnostic imaging equipment for hospitals — Veracity can evaluate inland marine options for equipment in transit and product liability for repaired units. For more information, contact us at 1-866-395-1308. Frequently Asked Questions What types of medical device accounts are the best fit for this Veracity program?Accounts that manufacture, distribute, sell, or service hospital-grade devices—especially those with documented quality systems, clear service procedures, and manageable loss histories—are the best fit. We also consider repair and refurbishment operations when controls and warranties are in place. Does Veracity write Class III invasive devices?Yes. Our underwriting appetite includes some Class III invasive medical devices, but acceptance depends on device classification history, regulatory oversight, product documentation, and loss exposure. Provide detailed device and regulatory information with your submission. Are both claims-made and occurrence forms available?Yes. The program can offer both claims-made and occurrence forms depending on carrier availability and the specifics of the account. What additional coverages can be packaged with product liability?Veracity can place additional insured endorsements, limited professional liability, employee benefits liability, hired/non-owned auto, and inland marine coverage where appropriate and subject to underwriting. Need help placing an account? Connect with a market specialist.

Frozen food and produce haulers face a distinct set of risks — refrigeration system failures, temperature excursions, spoilage, transit delays, and the resulting business interruption and liability exposures. Colonial General Insurance Agency, Inc. offers a focused Frozen Foods or Produce Insurance program designed for commercial truckers who transport perishable frozen goods such as fruits, vegetables, dairy and other temperature-sensitive food products. Through Colonial General’s transportation and refrigerated-cargo expertise, agents and brokers get access to tailored cargo solutions that help protect their clients’ livelihoods and reduce exposure to costly loss events. The program is aimed at real-world refrigerated operations and balances flexible coverage options with underwriting discipline to keep accounts sustainable over the long term. Ideal Accounts and Appetite This program is intended for commercial trucking operations that regularly move frozen produce and other perishable food items in refrigerated trailers. Typical fits include: Independent refrigerated owner-operators and small fleets running scheduled frozen-food routes Regional or long-haul refrigerated carriers serving grocery chains, food distributors, wholesalers, or cold storage facilities Fleets with consistent temperature-control protocols and documented maintenance programs Accounts with routine spoilage expectations due to perishability can be considered when the operator demonstrates strong equipment maintenance and loss-control practices. Colonial General will review exposures for route length, commodity mix, refrigeration equipment type (reefer units vs. multi-temp trailers), and loss history when evaluating appetite. Coverage Highlights and Advantages Colonial General offers flexible cargo solutions designed for refrigerated haulers: Unlimited radius available on mono-line cargo policies — suitable for long-haul operations Excess over primary cargo capacity — limits available up to $750,000 Standard cargo limits up to $100,000, inclusive of refrigerator breakdown protection Refrigeration breakdown protection available (standard $2,500 deductible) These coverages address common refrigerated exposures including temperature control failure, vehicle accidents that damage cargo, and delays that can lead to spoilage and financial loss. Underwriting Notes and Minimum Premiums Colonial General works with multiple admitted and excess & surplus markets to place refrigerated cargo risks. Submissions should include: Detailed description of hauling operations and typical routes List of commodities hauled and shipment values Refrigeration equipment details, maintenance schedules and service records Loss history and any preventive controls (GPS, temperature monitoring, trailer seals) Underwriting flexibility is available for well-managed accounts that demonstrate strong controls and disciplined maintenance. Minimum premium requirements vary by carrier and risk profile — contact Colonial General for target minimums and specific underwriting guidelines. Territories and Availability This program has a regional focus and is available in the following states: Arizona, California, Colorado, Idaho, Nevada, New Mexico, Utah, and Wyoming. Colonial General combines regional market knowledge with access to broader excess capacity when needed. Why Work With Colonial General As a Managing General Agency and Excess & Surplus Lines Broker, Colonial General Insurance Agency, Inc. provides agents and brokers access to specialized underwriting for refrigerated cargo risks and markets that general carriers may not write. Colonial General’s strengths include: Dedicated transportation and refrigerated-cargo underwriting expertise Access to admitted and E&S placements to fit a range of account characteristics Responsive service and market placement support for complex or higher-limit accounts Example fits: You might have an owner-operator running weekly frozen produce runs between states who needs reliable refrigerator breakdown protection and unlimited radius cargo coverage. Or you could place a small regional fleet that supplies grocery distribution centers and requires higher excess limits over their primary cargo policy. Frequently Asked Questions What types of accounts are a good fit for this Frozen Foods or Produce Insurance program?Accounts that consistently haul frozen fruits, vegetables, dairy, or other perishable foods using refrigerated trailers are ideal. Both small fleets and owner-operators with regular routes are welcome. Is refrigeration breakdown coverage included automatically?Yes — refrigerator breakdown protection is included with cargo limits up to $100,000, subject to a $2,500 deductible. Can this program handle long-haul trucking operations?Yes. The program offers unlimited radius on mono-line cargo policies, making it suitable for long-haul and regional carriers. What are the cargo limit options?Standard cargo limits are available up to $100,000, with the option to provide excess over primary cargo coverage up to $750,000. Which states is this program available in?This program is currently available in AZ, CA, CO, ID, NV, NM, UT, and WY. Need help placing an account? Connect with a market specialist.

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.