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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.

An injury on the job can be one of the most costly liabilities for your client’s business. Medical bills, rehabilitation, permanent disability and fatal claims can create significant financial and operational strain. Keating offers tailored Workers' Compensation placement solutions to help you protect your clients, manage exposures, and keep businesses running after a loss. Program Highlights • Fast turnaround on quotes and submissions • Premiums starting at $2,500 and scaling to large, risk-managed operations • Appetite for startup operations • Multi-state capabilities • High experience mod factors accepted • In-house authority with several top-rated carriers • Direct bill options, including pay-as-you-go • Competitive pricing and agent commissions Overview — Keating's Workers' Compensation Program Keating is a wholesale broker with deep Workers' Compensation expertise and broad carrier access. We combine underwriting experience, streamlined submission workflows, and in-house authority to place accounts across a wide range of industries and risk profiles. Our team focuses on responsive service so you can move business quickly and give your clients reliable coverage and flexible billing options. Ideal Accounts and Target Classes We handle hundreds of class codes and a variety of account sizes — from single-location small businesses to multi-state operations with complex exposures. Typical target classes include: • Artisan contractors • Auto service & towing • Bus companies • Cell tower construction • Drywall contractors • Grocery and retail stores • Home health agencies & VNAs • Hotels and motels • Long and short haul trucking • Manufacturing • Non-emergency medical transportation • Remodeling contractors • Restaurants (single location to chains) • Social services • And many more We also operate exclusive specialty programs for social services, home health / visiting nurse associations, and medical temporary staffing. Example fits: - You might have a growing regional contractor with a higher experience modification factor and multi-state payroll — Keating can help place the account and arrange pay-as-you-go billing. - Or a startup home health agency needing admitted coverage and competitive pricing — our specialty programs are designed for that appetite. Coverage Highlights and Advantages - In-house authority with multiple top-rated carriers for flexible placement options. - Admitted and non-admitted solutions depending on state and risk characteristics. - Direct-bill and pay-as-you-go billing to reduce audit surprises and help clients manage cash flow. - Ability to consider higher experience mod factors and more complex loss histories when the operations and controls justify placement. Underwriting Notes & Submission Requirements To evaluate risks quickly, include the following with submissions: • Completed ACORD 130 application • Experience Modification Worksheet • 3–5 years of currently valued loss runs • Detailed description of operations and payroll breakdowns Minimum premiums typically start around $2,500, but final pricing depends on class codes, state, payroll, and underwriting details. Territories and Availability Keating’s Workers' Compensation program is available in all 50 states and Washington, DC. We offer both admitted and non-admitted options where appropriate for the risk and state requirements. Why Work With Keating? As a wholesale broker, Keating brings: • Dedicated underwriting expertise and quick response times • Broad carrier relationships and in-house authority to place difficult or specialized risks • Flexible billing and competitive terms to help you sell and retain business • Practical guidance on structure, endorsements, and loss-control strategies Our team acts as an extension of your brokerage — helping you find the right market, structure terms, and move submissions efficiently from quote to bind. Contact Keating today—your trusted partner in Workers' Compensation insurance placement. Frequently Asked Questions What types of accounts are a good fit for Keating’s Workers' Compensation program?Keating is a strong market for artisan contractors, healthcare providers, social services, trucking, manufacturing, retail, and many other classes — including startups and higher-mod operations that need flexible placement options. Is this program available in all states?Yes. Our Workers' Compensation program is available in all 50 states and Washington, DC, with admitted and non-admitted options depending on the state and risk. Do you accept high experience modification factors?Yes. We can consider accounts with higher experience modification factors when the overall operations, controls, and exposure profile support placement. What is the minimum premium for this program?Minimum premiums generally start around $2,500, but final minimums depend on class code, state, payroll, and underwriting factors. What carriers does Keating work with?We have in-house authority with multiple carriers and strong wholesale relationships, giving us flexibility to find the right fit across admitted and non-admitted markets. 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.

Manufacturers and Distributors Insurance Program from Environmental Underwriting Solutions Environmental Underwriting Solutions offers a wholesale insurance program designed for manufacturers, blenders, re-packagers, and distributors who handle environmentally sensitive or regulated products. The program blends Commercial General Liability (CGL) with Environmental Impairment Liability (EIL) and Products Pollution coverage to address the pollution and environmental exposures common to these operations. Whether a client manufactures industrial chemicals, paints and coatings, oilfield products, solvents, or water treatment chemicals, this program provides broad, pollution-focused protection. With flexible underwriting and access to multiple carriers, Environmental Underwriting Solutions helps brokers place complex environmental accounts that can be difficult to bind in standard markets. Ideal Accounts and Target Classes This program is a fit for a wide range of commercial operations, including: Manufacturers and blenders of industrial or specialty chemicals Re-packagers and contract packagers of hazardous or regulated materials Distributors and wholesalers of chemicals, paints, solvents, and cleaners Oilfield and energy-related product suppliers Water treatment chemical suppliers Manufacturers and distributors of environmental remediation equipment If your client stores, repackages, or transports chemicals—or otherwise has an accidental-pollution exposure—this program is designed to address those risks. Coverage Highlights and Program Features Key coverages and options include: Commercial General Liability (CGL) with optional Products Pollution coverage Claims-made Environmental Impairment Liability (EIL), with facility-level customization Emergency response cost coverage for pollution incidents that require immediate action Transit Pollution Liability for goods in transport Optional Non-Owned Disposal Site coverage Per-location and per-project general aggregate limits Coverage for both new and pre-existing pollution conditions on scheduled properties Additional Pollution Legal Liability (PLL) for exposures tied to products, contracting, or transportation of goods and waste Primary liability forms may include broad form named insured and additional insured status; no premium audit provision on certain programs Excess liability layers are available and can be tailored to include or exclude pollution, auto, and employers’ liability components as required. Underwriting Notes and Minimum Premiums This program is distributed on a wholesale basis with a minimum premium starting at $5,000. Competitive submissions typically include complete operational details, current loss history, site controls, safety programs, and information on storage/transport practices. Environmental Underwriting Solutions can accommodate a range of risk profiles, but accounts with strong loss control measures and clear documentation will receive the most favorable terms. Example scenarios that commonly place well: A regional distributor that repackages industrial cleaners and maintains centralized, secondary-contained storage with modern spill controls. A small manufacturer of specialty coatings that ships product nationwide, needs transit pollution coverage, and has documented environmental management procedures. Territories and Availability The Manufacturers/Distributors program is available in most states, including: 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 Coverage is typically placed on a non-admitted basis, although admitted options may be available in select states depending on carrier appetite. Why Work With Environmental Underwriting Solutions? As a wholesale broker specializing in environmental risk, Environmental Underwriting Solutions focuses on placing accounts with pollution and product-related exposures that standard carriers may decline or limit. Their strengths include: Deep niche expertise in environmental and pollution liability Access to multiple carriers and flexible program structures Responsive underwriting and the ability to tailor limits and endorsements by facility or project Experience placing accounts involving transit, disposal-site exposures, and product pollution You’ll find this program helpful when your client’s operations require specialized pollution wording, emergency response provisions, or coverage for pre-existing conditions on scheduled properties. Contact us for more information on our Manufacturers/Distributors program! Frequently Asked Questions What types of accounts are a good fit for this program?This program is ideal for manufacturers, blenders, re-packagers, and distributors of chemicals, paints, solvents, coatings, remediation equipment, and similar industrial products. Does this program include pollution liability coverage?Yes, the program includes Environmental Impairment Liability (EIL), Products Pollution, and options for Transit Pollution and Non-Owned Disposal Site coverage. What is the minimum premium for this program?The minimum premium starts at $5,000. Submissions with detailed risk information and strong controls may qualify for the most competitive terms. Is coverage available in all states?Coverage is available in most U.S. states, including CA, TX, FL, NY, and others. Availability can vary by risk class and carrier appetite. What documentation is needed to submit an account?Underwriters typically request operational details, loss history, facility information, storage/transport practices, and safety protocols to evaluate and quote the account. Need help placing an account? Connect with a market specialist.

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.