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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.

WDPG provides solutions for Gas Distributors Insurance needs. Customized Gas Distributors Insurance Competitive Pricing Direct Bill Plan Industrial and Medical Gas Insurance Acetylene Gas Manufacturing Crises Response coverage Escaped Gas coverage including Hostile Fire Enhanced coverage for clean-up of pollutants Broad Form Auto Pollution Coverage Overview of the Program from WDPG Insurance Program WDPG Insurance Program offers a targeted Gas Distributors Insurance product designed for brokers and agents placing accounts that handle industrial, medical and specialty gases. Underwritten by Chartis and managed by WDPG as a Managing General Underwriter, this program blends industry-specific coverage options with flexible billing and competitive terms. The program is positioned to address risks unique to gas distribution—from escaped gas and hostile fire exposures to pollution cleanup and crisis response. Ideal Accounts and Appetite This program is appropriate for a range of gas-related operations, including: Industrial and medical gas distributors Acetylene manufacturing and supply operations Companies that deliver or transport compressed gases (including cylinder fleets) Facilities with on-site filling, cylinder testing and storage WDPG generally favors accounts with documented safety procedures, current cylinder handling programs, and maintenance records. Accounts with large-scale chemical processing, heavy hydrocarbon refining, or significant underground pipeline operations may require specialized placement and are considered on a case-by-case basis. Coverage Highlights and Advantages Tailored Gas Distributors policy forms addressing escaped gas, hostile fire, and first-party cleanup costs Enhanced pollution and contaminant cleanup coverage, including limited crisis response Broad form auto pollution coverage for vehicle exposures while transporting cylinders and gas products Options for industrial and medical gas exposures, and specific accommodations for acetylene manufacturing Direct bill plan to simplify premium collection Access to admitted paper in most states with Chartis capacity Underwriting Notes and Minimum Premiums WDPG looks for clear information on operations, loss history, safety programs, and exposure controls. Typical submission requirements include ACORD applications, loss runs (preferably 5 years), cylinder inventories, and a brief description of operations and safety procedures. Minimum premium: No Minimum Premium. Pricing is competency-based and depends on exposure, limits, and loss history rather than a hard minimum premium threshold. Territories and Availability Admitted paper is available in most states. The program is available in: 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. For territories not listed or specific non-admitted options, contact WDPG for guidance. Why Work With WDPG on Gas Distributors Business As an MGA focused on gas-related risks, WDPG combines underwriting expertise with Chartis capacity to offer products tailored for distributors and manufacturers of gases. Agents benefit from industry-aware underwriting, flexible billing options, and coverage forms crafted for the exposures typical to gas handling, transportation, and storage. Example account scenarios You have a regional medical gas supplier with a mixed fleet of delivery vehicles and a cylinder refill station — WDPG can evaluate fleet pollution exposure and cylinder-handling exposures together under one program. A small acetylene manufacturer with established safety protocols needs coverage for on-site operations and third-party liability arising from escaped gas events — this program can provide specialized limits and cleanup extensions. Frequently Asked Questions What types of accounts are a good fit for this program?Gas distributors, medical and industrial gas suppliers, acetylene manufacturers, and businesses that refill, store, or transport compressed gases are ideal candidates. Accounts with documented safety programs and reasonable loss histories are preferred. Is pollution and cleanup for escaped gas included?Yes. The program includes enhanced coverage options for cleanup of pollutants and escaped gas, and offers broad form auto pollution coverage for transportation exposures. Specific limits and terms depend on underwriting review. In which states is this program available and is it admitted?The program is admitted in most available states (see the full list in the storefront). WDPG places admitted paper through Chartis in the majority of U.S. states; contact the MGA for state-specific availability. What submission documents should I include?Provide a completed application (ACORD where applicable), five years of loss runs, a description of operations, cylinder inventories, safety protocols and any relevant training or inspection records to expedite underwriting. Are there minimum premiums or special billing options?There is no minimum premium. The program supports a direct bill plan to simplify premium collection and can discuss payment options during placement. Need help placing an account? Connect with a market specialist.

Amwins Program Underwriters' Natural Gas Distributors insurance program is designed to cover the specific exposures faced by the natural gas distribution industry. The program is managed by insurance and risk management professionals who understand utility operations and the unique risks utilities face. Overview of the Program from Amwins Underwriting The Natural Gas Distributors program places utility-related accounts — with a primary emphasis on natural gas distribution — into a specialized market administered by Amwins Underwriting. The program offers package solutions across property, liability, automobile and ancillary coverages, backed by carrier capacity such as Markel. Coverage is provided on an admitted basis unless otherwise indicated. Ideal Accounts and Appetite Natural gas transmission & distribution operators without power generation or general contracting exposures (this is the program sweet spot) Municipal and investor-owned gas distribution systems Small to mid-sized propane distributors (subject to program guidelines) Utility-related water supply, sewerage systems, and electric distribution operations Not typically eligible: accounts with on-site power generation, large-scale contracting operations, or significant construction/contractor exposures. Accounts with extensive contracting or non-utility operations should be submitted for prior discussion. Coverage Highlights and Advantages Primary coverages available: Property, General Liability, Automobile, Inland Marine, Pipeline coverage, and Excess liability Specialized options: Equipment breakdown, Railroad protective liability (CG2147), Public officials liability, Directors & Officers (D&O), and EPLI (EPLI not available in CA or LA) Capacity through experienced utility-focused markets; admitted paper in most states Claims handling and underwriting that reflect the operational realities of distribution utilities Eligible Classes / Examples Natural gas distribution system serving a small city or township (no power generation; company operates and maintains mains and service lines) Propane distributor with retail and small commercial deliveries that meets program safety guidelines Regional water supply or sewerage system seeking consolidated property and liability placements Underwriting Notes and Submission Requirements The program requires industry-specific documentation to underwrite accounts accurately. Required items include: Supplemental questionnaire — REQUIRED and MUST be signed by the insured. Completed industry-standard applications, signed by the insured, including detailed property information (construction, occupancy, square footage, age). Business income worksheet if requested limit exceeds $500,000 per location or when writing on an Agreed Amount basis. Five years of currently valued carrier loss runs. Three years of DOT (PHMSA F 7100.1.1) reports. Three years of leak cap reports. Updated driver information for automobile exposures. Please send submissions and the required documentation to: [email protected] Territories and Admitted Status The program is available in most states. Coverage is available in the following jurisdictions: AL, AZ, AR, CA, CO, CT, DE, FL, GA, 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. Not available in AK or HI. Coverage is generally offered on an admitted basis in most available states unless otherwise noted. Why Work with Amwins Underwriting on This Business MGA with focused utility underwriting expertise and tailored insurance products for distribution utilities. Access to specialized carriers experienced with utility risk, including Markel. Clear submission requirements and program guidelines that streamline placement for eligible risks. Flexible package options that let you assemble property, liability and specialty coverages under one program. Additional Notes Appetite and limits vary by state and account characteristics. For accounts with mixed operations, contracting, or generation exposures, provide full details up front so underwriters can determine fit. If you have questions about an unusual exposure or borderline account, include an underwriting memo with the submission. Frequently Asked Questions What types of accounts are a good fit for the Natural Gas Distributors program?Good fits are natural gas transmission and distribution operations without power generation or large contracting operations, municipal utilities, water and sewerage systems, and propane distributors that meet program safety guidelines. Is coverage admitted or non-admitted?The program is offered on an admitted basis in most available states. Any exceptions will be noted at quote; check state availability before submitting. What documentation is required with a submission?Required items include a signed supplemental questionnaire, signed industry applications, detailed property information, five years of currently valued loss runs, three years of PHMSA DOT reports, three years of leak cap reports, and updated driver rosters. Are there states where this program is not available?Yes. The program is not available in Alaska (AK) or Hawaii (HI). It is available in the list of states provided in the program storefront. Need help placing an account? Connect with a market specialist.

Wine Bar Insurance Program from ProHost USA ProHost USA, Inc. offers a specialized Wine Bar Insurance program built for upscale wine-focused restaurants, lounges, and tasting rooms. This admitted program is tailored to the unique exposures of venues that center their operation on wine by the glass and pair that service with an elevated food experience—accounts that often don’t fit standard bar or restaurant markets. Ideal Accounts and Target Appetite This program is designed for wine-centric operations with a refined atmosphere and a meaningful culinary component. Agents should consider ProHost’s wine bar program when you represent clients who emphasize wine service over a full bar or nightclub model. Suitable accounts typically include: A wine lounge offering 75+ wines by the glass with a chef-driven tapas or small-plate menu An urban wine bar with a sommelier on staff and limited craft cocktail service Generally, accounts with heavy liquor or late-night nightclub operations, or those without a strong food program, will not fit this appetite. Coverage Highlights and Advantages ProHost’s Wine Bar Insurance package combines core property and liability coverages with hospitality-specific enhancements to protect wine-focused venues. Key features include: Liquor Liability – Included in the package in most states to address primary exposure for wine-serving operations. Excess Liability – Available to extend limits beyond the package. Restaurant Enhancement Coverage – Built-in protections tailored to food-and-beverage exposures. Admitted Paper – Policies are written on an admitted basis with an “A”-rated carrier, providing state-required compliance and stability. Proprietary Access – The program is proprietary to ProHost USA, giving agents access to a dedicated hospitality market. Underwriting Details and Minimum Premium Underwriting focuses on clearly defined, wine-forward concepts with an established food program and experienced front-of-house staff. The program requires quality submissions—accurate revenue breakdowns, floor plans, and information on liquor service policies will speed review. The minimum premium for this program starts at $5,000; final pricing varies with limits, exposures, and underwriting review. Territories and Availability The program is available on an admitted basis in most states, including major markets such as CA, TX, NY, FL, and WA. For reference, ProHost lists availability across the majority of U.S. states; confirm state eligibility when preparing submissions. Why Work With ProHost USA As a program administrator focused on hospitality, ProHost USA combines underwriting expertise and tailored coverages for niche restaurant and bar risks. Working with ProHost gives agents access to an exclusive admitted solution backed by an “A”-rated carrier and an underwriting team familiar with wine-focused operations. Example Account Scenarios You have a client operating a 60-seat wine bar with an experienced sommelier and a seasonal small-plates menu—this program can provide liquor liability and restaurant enhancements on admitted paper. You represent an upscale tasting room that serves flights and bottles and offers light food pairings. ProHost’s appetite and built-in restaurant coverage may be a strong fit where standard bar markets decline. Frequently Asked Questions What types of accounts are a good fit for this program?Upscale wine bars or lounges with a primary focus on wine service and a robust food menu are ideal. Establishments should have a refined atmosphere and not operate primarily as nightclubs or full bars. Is liquor liability included in the coverage?Yes. Liquor liability is included in the package in most states to address a key exposure for wine-serving establishments. What is the minimum premium for the wine bar insurance program?The minimum premium for this program is $5,000. Final premiums will vary based on limits, exposures, and underwriting review. Can I access this program in my state?The program is available in most states across the U.S., including major markets, and is written on an admitted basis in all available states. Confirm eligibility at submission. What makes ProHost USA different from other hospitality markets?ProHost specializes in hospitality risks and offers exclusive admitted programs with tailored coverage enhancements. The wine bar program is proprietary and backed by an “A”-rated carrier. Need help placing an account? Connect with a market specialist.

...ed in: Non-alcoholic beverage bottling (juices, soft drinks, flavored water...

Overview — Colonial General Insurance Agency, Inc. — Deli Insurance Colonial General Insurance Agency, Inc. offers a Deli Insurance program designed for independent agents and brokers placing coverage for food service establishments—dine-in or take-out operations. This program provides both property and liability options, written mono-line or as a package, and is best suited for small to mid-sized delis, sandwich shops, bakery-cafés, and similar food-service risks where alcohol sales are incidental (less than 30% of gross sales). Policy Highlights Key liability and property features available through this program: Commercial General Liability — Primary limits up to $3,000,000 occurrence and aggregate $5,000 Medical Payments coverage — included Additional interests — included at no charge Liquor Liability coverage available (alcohol sales must be under 30% of gross sales) Excess / Umbrella limits available up to $25,000,000 No deductible required on liability in many instances Property Coverage Options Selectable property features to protect the physical location, equipment and income: Accounts Receivable Basic, Broad or Special Form Building and/or Contents Business Income and Extra Expense Computer Equipment and Equipment Breakdown Food Spoilage and Inland Marine for rolling stock or equipment Outside Signs Replacement Cost or Actual Cash Value valuation Valuable Papers Crime Coverage Inside the Premises — Theft of Money and Securities Inside the Premises — Robbery or Safe Burglary of Other Property Outside the Premises Ideal Accounts and Appetite The program is tailored for: Independent delis, sandwich shops, small catering prep kitchens, and café/deli hybrids Locations with mostly prepared-food sales and limited alcohol service (less than 30% of revenue) Single-location or small multi-location operations without significant high-risk exposures (no on-site dance/entertainment, late-night bars, or large banquet operations) Typically not a fit: businesses where alcohol sales exceed 30% of gross receipts, full-scale bars/nightclubs, major catering operations with frequent large events, or accounts with serious open claims or uncontrolled loss history. Underwriting Notes Common submission requirements include a completed application, recent loss runs, current revenue breakdown (food vs. alcohol), menu or operations description, and proof of any licenses (e.g., liquor license). Underwriters will evaluate hours of operation, delivery services, catering exposure, safety controls (fire suppression in cooking areas), and prior loss history. Appetite and terms may vary by market; Colonial General places this business through a mix of admitted and non-admitted carriers (Some Available Markets). Carriers vary by risk characteristics and state. Territories and Availability Available in: AZ, CA, CO, ID, NV, NM, UT, WY. Coverage availability and form (admitted vs. non-admitted) depend on the state and carrier. Confirm state eligibility and any market-specific requirements at submission. Examples — Good Fits A neighborhood deli with dine-in and takeout, annual gross sales under $1.5M, limited alcohol by the bottle and beer/wine sales under 20% of revenue — ideal for combined property and GL with liquor liability. A small deli with a delivery and catering arm, modest kitchen equipment, and a history of clean loss runs — fits well for package placement including equipment breakdown and food spoilage coverage. Why Work With Colonial General on Deli Business? As an MGA and excess & surplus lines broker, Colonial General provides agents access to multiple markets and flexible packaging for food-service risks. The program balances liability limits up to $3M (with sizable umbrella capacity), crime and property options tailored to deli operations, and straightforward underwriting for common deli exposures. Colonial General is positioned to help agents place unique or borderline risks that need excess capacity or specialized E&S solutions. Frequently Asked Questions What types of deli accounts are the best fit for this program?The program is best for small to mid-sized delis, sandwich shops, and café/deli hybrids with primarily food sales and limited alcohol service (under 30% of gross sales). Single-location operators and small multi-location owners with manageable loss history typically fit well. Is liquor liability available and are there limits on alcohol sales?Yes — liquor liability coverage is available, but underwriters generally require alcohol to be less than 30% of gross sales. Verify the alcohol percentage and provide a copy of any liquor license at submission. Which states and market types are supported?The program is available in AZ, CA, CO, ID, NV, NM, UT, and WY. Coverage may be placed with admitted or non-admitted markets depending on state and risk characteristics; carriers vary by submission. Need help placing an account? Connect with a market specialist.