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At Demetriou Group we offer tailored Medical Offices Insurance solutions designed for independent agents and brokers placing medical and allied health risks. Overview of the Program from Demetriou Group This Managing General Agency program is positioned to place a broad range of medical office and outpatient clinic risks. Demetriou Group works with multiple carrier partners (varies by account) to provide a package approach that combines general liability, professional (medical) liability, excess limits and property capacity appropriate for medical practices, diagnostic labs and other outpatient services. Ideal Accounts and Appetite The program targets small to mid-sized medical office operations and outpatient facilities. Typical classes that fit well include: AIDS testing services Alcohol and drug centers Audiologists Chiropractors Dental offices & labs Diagnostic imaging and X-ray labs (including MRI, lithotripsy) Home health agencies and mobile diagnostic centers Medical billing services and lab technicians Mental health clinics, counselors, psychologists, social workers, therapists Optometry offices, urgent care and standalone surgery centers Accounts with routine outpatient diagnostic and treatment exposures, stable risk controls, and standard staffing levels are the primary focus. High-hazard inpatient facilities, large ambulatory surgery centers with complex procedures, or operations with documented regulatory actions may require special review or be outside appetite. Coverage Highlights and Advantages Commercial General Liability: typically available at $1,000,000 per occurrence. Professional (Medical) Liability: capacity referenced at up to $3,000,000 aggregate through the program. Excess Liability: excess limits may be available up to $5,000,000 depending on carrier placement. Property: options to place up to $5,000,000 TIV (total insured value) when needed. Employee Benefits Liability: available as part of the package where required. Because Demetriou Group works with multiple markets, you gain flexibility to tailor limits and coverages to the client’s exposure profile while keeping placement options centralized through one underwriting partner. Underwriting Notes and Minimum Premiums Underwriting considers specialty, claims history, patient volume, procedures performed, and facility controls (infection control, credentialing, security). Minimum premium and specific terms vary by carrier and state—consult the program for quoting guidance. Be prepared to submit a detailed application, loss runs, and facility information for faster evaluation. Territories and Availability This program is available through Demetriou Group in CT, ME, MA, NH, NJ, NY, PA, RI and VT. Availability and admitted vs. non-admitted options vary by state and carrier; confirm placement options at submission. Why Work with Demetriou Group on Medical Offices Insurance As a managing general agency focused on specialty commercial lines, Demetriou Group provides underwriter access across multiple carriers, experienced medical-lines underwriting, and the flexibility to structure combined GL/PL/property packages. That makes it efficient for agents to present a single submission and pursue tailored solutions for a variety of outpatient and clinic risks. Example Scenarios • You have a two-provider outpatient physical therapy clinic seeking combined general and professional liability with modest property limits — this program can provide package options with tailored limits. • You represent a diagnostic imaging center (MRI/X-ray) that needs professional liability, facility liability and excess capacity — the program’s carrier panel can be used to assemble the appropriate layered limits. For quoting, submit the client’s completed application, recent loss runs, facility details and any provider credentialing documentation. Carriers and minimum premiums vary; contact Demetriou Group for current appetite and submission guidance. Frequently Asked Questions What types of medical offices are a good fit for this program?This program is best for outpatient clinics and medical offices such as dental practices, diagnostic labs (MRI, X-ray), urgent care centers, behavioral health clinics, therapists, optometrists, and similar allied health providers with routine outpatient procedures. Which states is the program available in?Demetriou Group currently markets this Medical Offices Insurance program in CT, ME, MA, NH, NJ, NY, PA, RI and VT. Coverage availability and whether an admitted or non-admitted placement is used depend on the state and carrier. What documentation should I include with a submission?Provide a completed application, most recent loss runs (typically 5 years if available), facility information (services offered, staffing, controls), and credentialing or licensing details for providers. Additional attachments may be requested depending on the risk. Are excess limits and property available through the program?Yes. Excess liability capacity (up to $5M referenced) and property limits (up to $5M TIV referenced) are available through market partners, subject to underwriting and carrier approval. Who do I contact for quoting and placement guidance?Submit the account to Demetriou Group with the requested documentation. Because carriers and minimum premiums vary, the program underwriters will review and advise on appetite, required attachments and next steps for placement. Need help placing an account? Connect with a market specialist.

Contract Litigation Insurance (CLI) from Demetriou Group protects insureds against the risk of paying an opponent’s attorneys’ fees when a contract dispute ends in a prevailing-party (loser-pays) result. This specialty policy is available for both plaintiffs and defendants and can be quoted with high coverage limits through Demetriou Group’s panel of admitted and non-admitted markets. Each year millions of contract lawsuits are filed in the United States and a large portion include a prevailing-party provision that permits the winner to recover attorneys’ fees from the loser. Those fee awards can exceed damages and materially threaten a client’s cash flow or ability to continue operations. Demetriou Group’s Contract Litigation Insurance is designed specifically to address that exposure — a gap that many standard liability and litigation policies expressly exclude. Overview — How Demetriou Group’s CLI Program Works Demetriou Group offers CLI as a one-time premium policy written within the first 12 months of active litigation. There is no deductible; the premium is fully earned at bind. Because CLI is event driven, earlier placement in the lifecycle of a dispute generally leads to lower premium costs and broader underwriting flexibility. Coverage can be issued for either side of the dispute and is frequently available with substantial limits, subject to underwriting. Ideal Accounts and Appetite Commercial contracts with a prevailing-party clause — suppliers, distributors, manufacturers, and service providers Technology and SaaS agreements where fee awards can be disproportionate to the contract value Construction subcontracts and professional services disputes that include fee recovery provisions Accounts where the claimant or defendant faces asymmetric litigation exposure (e.g., small business vs. deep-pocket counterparty) Typical accounts that fit the program: businesses of small to mid size with contract disputes filed in state or federal court, commercial litigation arising from breach of contract, and cases where the insured is seeking an insured outcome without risking catastrophic fee awards. Accounts outside appetite usually include criminal matters, class actions, or disputes with significant known adverse rulings or fraud allegations; each submission is reviewed on its merits. Coverage Highlights and Advantages Specific insurance against an opponent’s attorneys’ fees under prevailing-party clauses Available to plaintiffs and defendants High coverage limits available through multiple carrier partners One-time premium, no deductible — full premium earn-in at bind Event-driven placement: must be purchased within the first 12 months of a litigation Underwriting Notes and Minimum Premium Underwriters will assess the underlying contract, the existence of a prevailing-party provision, basic facts of the dispute, party financials, and prior litigation history. Early submission yields better options—Demetriou Group recommends submitting as soon as litigation is filed and before dispositive rulings. Minimum premium and specific terms vary by carrier and risk; please note the program lists minimum premium as "Varies." Territories and Regulatory Positioning Demetriou Group’s CLI program is available across all listed jurisdictions: 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, UT, VT, VA, WA, DC, WV, WI, WY. The program is offered through multiple carrier markets (Varies) and can be placed on admitted or non-admitted paper depending on state availability and the carrier chosen. Why Place CLI with Demetriou Group? Specialized MGA expertise in niche litigation exposures and access to multiple markets Flexible placement for both plaintiffs and defendants with competitive limits Practical underwriting guidance that helps you position submissions early in the litigation lifecycle Streamlined quoting and placement from an experienced underwriting team that understands how CLI changes litigation strategy for insureds Example Scenarios You represent a mid-sized software vendor sued by a customer for contract nonperformance. The contract includes a prevailing-party clause and the customer’s demand for fees could be material to your client’s recovery—CLI can be placed to protect against an adverse fee award. A small manufacturing firm is defending a breach of supply contract where the counterparty has deeper pockets. Purchasing CLI early helps your client defend the claim without risking ruinous fee exposure if they lose. Submission Tips Provide the complaint or demand letter, the contract with prevailing-party language, basic financials for insured and adversary (if available), and a short litigation timeline. Early placement increases carrier options and may reduce premium. Because carrier appetite and minimum premiums vary, contact your Demetriou Group underwriter with the submission for a tailored review. Frequently Asked Questions What types of accounts are a good fit for Demetriou Group’s CLI program?Commercial contract disputes with a prevailing-party provision are the primary fit — examples include suppliers, service providers, technology vendors, and construction subcontracts. Small- to mid-sized businesses facing asymmetric fee exposure are ideal candidates. When must the policy be purchased during litigation?CLI is event driven and must be purchased within the first 12 months after the start of litigation. Earlier placement typically produces better carrier options and pricing. Does CLI cover both plaintiffs and defendants?Yes. Demetriou Group places CLI for both plaintiffs and defendants, subject to underwriting and carrier terms. What states and regulatory status apply to this program?The program is available in the states listed in the storefront (AL through WY and DC). Carrier placement may be admitted or non-admitted depending on state rules and the market selected. Need help placing an account? Connect with a market specialist.

...mium: $1,600 - Exposure: Delicatessen - $400,000 in Sales • $...

Demetriou General Agency (DGA) offers a competitive market for Artisan Contractors Insurance, including Workers’ Compensation and Commercial Auto coverage tailored specifically for artisan contractor classes. As a Managing General Agency, DGA is focused on helping agents and brokers place quality contractor business with flexible underwriting and strong carrier relationships. DGA actively writes coverage for a wide variety of artisan trade classes including, but not limited to: Carpentry (interior and exterior) Painting (residential and commercial) Plumbing and HVAC Fence Installation Landscaping and Lawn Care Electrical Work Flooring Installation Driveway Paving and Asphalt Work Janitorial Services Appliance Installation and Repair This program is a great fit for small to mid-sized contractors who need solid coverage options without excessive premium thresholds. DGA does not require minimum premium commitments and accepts small payroll operations, making it a strong option for startup and growing artisan businesses. Ideal Accounts and Appetite DGA’s Artisan Contractors Insurance program is ideal for: Small to mid-sized trade contractors with clean loss history New ventures with experience in their trade Contractors operating primarily in residential or light commercial markets You might have a client who just opened a family-run landscaping company or a solo electrician expanding into light commercial jobs—DGA can provide the Workers Comp and Auto coverage they need to stay compliant and competitive. Coverage Highlights and Advantages Key coverages available through this program include: Workers Compensation—meets statutory requirements and supports growing payrolls Commercial Auto—coverage for owned business vehicles and fleets Flexibility across multiple artisan trades, including mixed operations With access to a broad range of carriers, DGA can help agents match the right market to each client’s needs. No minimum premium and small payroll thresholds open the door to accounts that may not fit elsewhere. Underwriting Notes and Minimum Premiums DGA offers underwriting flexibility and is open to reviewing a variety of risk profiles, including: New ventures with prior experience Small operations with lower payrolls Contractors with straightforward operations and safety protocols in place Minimum premiums vary by risk class and carrier, but DGA has no hard minimums, making it easy to quote smaller accounts. Territories and Availability This program is available in the following states: CT, FL, MA, ME, NH, NJ, NY, PA, RI, and VT. Whether you're working with a contractor in the Northeast or serving clients expanding into Florida, DGA provides consistent market access and underwriting support across these regions. Why Work With Demetriou General Agency? As a specialized MGA, Demetriou General Agency understands artisan contractors and how to serve agents who support them. With flexible underwriting, no minimum premiums, and a wide appetite of contractor classes, DGA helps you write and retain profitable accounts. Their focus on Workers Comp and Auto coverages gives you the tools to round out accounts and solve common placement challenges. Choose DGA for your next Artisan Contractors Insurance submission and gain a partner who understands the needs of trade clients and the agents who serve them. Frequently Asked Questions What types of accounts are a good fit for this program?This program is ideal for small to mid-sized artisan contractors such as electricians, painters, landscapers, and plumbers operating in residential or light commercial markets. Are new ventures eligible for coverage?Yes, DGA will consider new ventures, especially when the owner has prior experience in the trade and a clean record. What coverages are included in the program?The program offers Workers Compensation and Commercial Auto coverage, with appetite for a wide range of artisan contractor classes. Is there a minimum premium requirement?No. There are no hard minimum premium requirements, and small accounts with limited payroll are welcome. Which states is this program available in?The program is available in CT, FL, MA, ME, NH, NJ, NY, PA, RI, and VT. Need help placing an account? Connect with a market specialist.

Demetriou General Agency offers a specialized Church Insurance program—Religious Institutions Advantage—designed for the distinct exposures of faith-based organizations. With focused underwriting and years of experience placing coverage for churches, synagogues, mosques, and similar institutions, we deliver solutions that let you place this business with confidence. Ideal Accounts and Appetite This program is a fit for a broad range of religious organizations, including: Churches and houses of worship Religious schools and daycare centers Faith-based community centers and outreach programs Nonprofit organizations affiliated with religious institutions We write accounts from small, single-site congregations to larger multi-location ministries. Operations with educational components, sponsored outreach activities, or child care services generally fall within appetite when they meet underwriting guidelines. Coverage Highlights and Advantages The Religious Institutions Advantage program includes flexible coverages to address both common and specialized exposures: Comprehensive General Liability – Primary limits up to $1,000,000 Medical Payments – For minor injuries occurring on premises Sexual Misconduct Liability – Optional coverage for institutions with youth or volunteer programs Special Equipment – Protection for sound systems, musical instruments, and other specialized property Vehicles and Transportation – Coverage for vans and buses used for official church activities Unusual Liabilities – Tailored options for unique ministries or outreach efforts We also support automated premium payments and offer policy customization so coverage can grow as your client's operations change. Underwriting Notes and Minimum Premiums Minimum premiums vary with the size and nature of the risk. Accounts that demonstrate solid risk management, clean claims history, and stable operations are particularly competitive. Our underwriting team is responsive and will work with you on unique or complex submissions; please contact us for guidance on specific accounts. Territories and Availability The program is available in CT, ME, MA, NH, NJ, NY, PA, RI, and VT. Depending on the state and the risk profile, coverage may be placed on either an admitted or non-admitted basis. Why Work With Demetriou Group? As a managing general agency with deep expertise in the religious sector, Demetriou General Agency provides targeted underwriting, access to multiple markets, and hands-on service. We prioritize speed, clarity, and practical solutions so you can place accounts efficiently and keep your clients protected. Example scenarios you can place through this program: A suburban church running weekday daycare and weekend youth events that needs primary liability and sexual misconduct coverage for volunteers. A mid-size congregation with a dedicated outreach van and expensive audio equipment seeking combined liability and special equipment protection. For questions or additional information, please contact: John Mavroukas [email protected] Vice President, Demetriou General Agency 1-212-897-6912 ext 4208 Frequently Asked Questions What types of accounts are a good fit for this program?Churches, religious schools, daycares, and nonprofit faith-based organizations are within appetite, especially those with youth programs, volunteer activities, or sponsored outreach. Is sexual misconduct liability coverage included?Sexual misconduct liability is available as an optional add-on and can be included for institutions that require protection for youth programs or volunteers. Are schools or child care services operated by churches eligible?Yes. Affiliated schools and child care services are eligible provided they meet underwriting guidelines and appropriate controls are in place. Which states is this program available in?The Church Insurance program is available in CT, ME, MA, NH, NJ, NY, PA, RI, and VT. What is the minimum premium for this program?Minimum premiums vary with the risk, size, and coverages chosen. Contact our underwriting team for specific minimums and rate guidance. Need help placing an account? Connect with a market specialist.

The Demetriou Group is pleased to offer a specialized Bar and Tavern Insurance program designed for hospitality businesses involved in alcohol sales and service. Whether you’re working with a startup bar or a well-established nightclub, we provide flexible and comprehensive coverage solutions tailored to meet the unique risks faced by these establishments. Ideal Accounts and Appetite This program targets a wide range of establishments, including: Bars and Taverns Nightclubs with entertainment and dancing Restaurants with full-service bars Fast food locations with liquor service We can consider both new ventures and existing businesses, with sales up to $5,000,000 for restaurants and up to $3,000,000 for bars and taverns. Accounts involving bouncers and late-night operations are eligible. If you’re looking to place a new nightclub with dancing and a full bar, or a tavern in a recently renovated building, this program could be a strong fit. Coverage Highlights and Advantages Our Bar and Tavern Insurance program offers two tiers of Liquor Liability coverage: Basic Coverage: Excludes assault or battery coverage; expense costs are inside the limits. Top Shelf Coverage: Includes full limits for assault or battery; expense costs are outside the limits. Additional Commercial Property and Casualty coverages include: Umbrella and Excess General Liability options Employment Practices Liability quotes available Equipment Breakdown coverage with up to $250,000 in spoilage and refrigerant contamination, plus power interruption protection Value Plus endorsement for loss of accounts receivables, valuable papers, employee dishonesty, and more No liability deductible Property credits available for newer or recently updated buildings Underwriting Notes and Minimum Premiums Minimum premiums vary depending on the risk profile and selected coverages. The program is designed to accommodate both small and mid-sized businesses operating in the food and beverage industry. Our underwriting team is experienced in handling accounts with complex exposures such as high liquor sales or live entertainment. Territories and Availability This program is available in the following states: CT, ME, MA, NH, NJ, NY, PA, RI, and VT. We work with a variety of carrier partners to offer admitted and non-admitted solutions, depending on the jurisdiction and risk characteristics. Why Work With The Demetriou Group As a Managing General Agency with deep experience in hospitality-related risks, The Demetriou Group provides agents and brokers with access to competitive markets and responsive underwriting. We understand the challenges associated with placing bar and tavern business and are here to help you secure the right coverage for your clients—efficiently and effectively. Call us today for all of your Bar and Tavern Insurance needs! Frequently Asked Questions What types of accounts are a good fit for this program?We target bars, taverns, nightclubs, and restaurants with liquor service. New ventures and businesses with entertainment or bouncers are eligible. Is assault and battery coverage available?Yes, our Top Shelf Coverage includes full limits for assault and battery with expense costs outside the limits. Can you write accounts with 100% liquor sales?Yes, we offer Liquor Liability coverage for establishments with up to 100% liquor sales. In which states is the program available?The Bar and Tavern Insurance program is available in CT, ME, MA, NH, NJ, NY, PA, RI, and VT. Are property credits available?Yes, restaurants in newer or recently updated buildings may be eligible for property credits. Need help placing an account? Connect with a market specialist.

Demetriou General Agency is your trusted partner for placing Environmental Contractors Insurance risks. Our program is built to address the complex exposures environmental contractors and consultants face, and it provides a streamlined solution through an A-rated (Excellent) carrier. We offer tailored options including Contractor’s Pollution Liability (CPL), Environmental Consultant Professional Liability, and a combined Contractors & Consultants Liability Package — all structured to meet evolving client needs while keeping placement simple for you, the agent. Ideal Accounts and Appetite Our program targets a broad range of environmental service providers. Typical classes we place include: Site remediation contractors (soil, groundwater, and vapor mitigation) Contractors performing underground storage tank removal and closure Environmental consultants preparing Phase I & II reports, site assessments, and regulatory compliance advice Asbestos, lead, and mold abatement contractors Waste haulers, spill response teams, and emergency remediation services You might have a client who specializes in soil remediation for former industrial sites or a small consultant firm conducting Phase II investigations — both are good fits for this program when operations and limits match appetite. Coverage Highlights and Advantages Demetriou General Agency’s Environmental Contractors Insurance program provides flexible coverages designed for construction and professional exposures associated with environmental work. Key features: Contractor’s Pollution Liability (CPL) for third-party claims and remediation costs Professional Liability for environmental consultants (E&O) covering negligent assessment or reporting Combined General Liability and Professional Liability packages for mixed contractor/consultant operations Low minimum premiums to accommodate small and mid-sized firms Higher liability limits available for accounts that meet underwriting criteria These coverages help protect insureds from the financial impact of pollution incidents, cleanup obligations, and professional errors or omissions — critical where regulatory and third-party exposures are significant. Underwriting Notes and Minimum Premiums Underwriting focuses on scope of operations, claim history, work controls, and project types. Key considerations include: Detailed description of operations and typical projects (site types, equipment used, subcontractor involvement) Loss runs and professional claims history Risk controls such as written procedures, air monitoring, disposal practices, and training Minimum premiums vary by class, limits, and whether the account is placed admitted or non-admitted. Demetriou’s underwriters review submissions quickly and will advise on documentation needed to qualify the risk. Territories and Availability This program is available in CT, ME, MA, NH, NJ, NY, PA, RI, and VT. We can place accounts in admitted or non-admitted markets when appropriate, giving you flexibility to secure capacity for more complex or hard-to-place risks. Why Work With Demetriou General Agency? As a Managing General Agency with deep experience in niche environmental markets, Demetriou General Agency helps agents place specialized environmental risks with confidence. Our strengths: Dedicated underwriting teams familiar with environmental and remediation exposures Access to an A-rated carrier panel and both admitted and non-admitted options Efficient turnaround and practical guidance on documentation and risk improvements Solutions for single contractors up to multi-state consultant firms Whether you’re placing a single-site remediation contractor or a consulting firm with multi-state operations, we provide the market access and underwriting support to get the deal done. Call Demetriou General today for all of your Environmental Contractors Insurance needs! Frequently Asked Questions What types of accounts are a good fit for this program?This program is designed for environmental contractors, consultants, and remediation firms, including specialists in mold, lead, asbestos, tank removal, and soil or groundwater remediation. Is this program available in all states?No. Coverage is currently available in CT, ME, MA, NH, NJ, NY, PA, RI, and VT. What coverages are included in the Environmental Contractors Insurance program?Available coverages include Contractor’s Pollution Liability, Environmental Consultant Professional Liability, and combined General Liability plus Professional Liability packages for mixed operations. Are admitted and non-admitted carriers available?Yes. We access both admitted and non-admitted markets depending on the risk profile and jurisdiction. What is the minimum premium for this program?Minimum premiums vary by class of business, limits requested, and whether the placement is admitted or non-admitted. Contact our underwriting team to discuss specifics for your submission. Need help placing an account? Connect with a market specialist.

Overview of the Program from Demetriou Group Demetriou Group’s Professional Offices Insurance program gives independent agents access to admitted market capacity for a wide range of professional office occupancies across CT, ME, MA, NH, NJ, NY, PA, RI, and VT. As a managing general agency, Demetriou Group pairs focused underwriting with flexible carrier placement (carriers vary by risk and state). This program is built to help you place routine and specialty professional office risks with clarity and speed. Ideal Accounts and Appetite This program targets professional office occupancies where liability and property exposures are typical of licensed professionals and small office operations. Typical classes that fit well include: Accountants, bookkeepers, tax preparers Architects, engineers, and design consultants Therapists, counselors, and small outpatient behavioral health practices Real estate and property management offices Small law firms and legal consultants (non-litigating niches) Technology and professional services firms with client-facing activities Generally not a fit: high-exposure medical clinics requiring professional liability tailored to medical malpractice, large multi-location firms needing centralized program management, or risks with significant prior losses or open claims without pre-submission underwriting discussions. Coverage Highlights and Advantages Admitted paper in the program’s available states—simplified placement and straightforward compliance for admitted coverage. Package options that combine property, general liability, and businessowners components designed for office occupancies. Available limits and endorsements geared toward professional office exposures, such as business personal property, tenant improvements, loss of income, and limited professional liability where appropriate. Access to multiple carrier partners (varies by state and class) through a single point of underwriting at Demetriou Group. Underwriting teams experienced in small-to-mid-size professional occupancies—faster decisions on routine risks and pragmatic handling of unique exposures. Underwriting Notes and Minimum Premiums Underwriting emphasizes occupancy, revenue size, staff count, claims history, and building protections. Key submission items include a current Acord application, loss runs for the past five years (if available), a tenant lease or property details for occupied premises, and any professional service disclosures. Minimum premiums vary by state, carrier, and coverage package. For unusual risks or those with higher exposures we recommend pre-submission questions to confirm appetite and expected premium range before preparing a full proposal. Territories and Availability The program is available in CT, ME, MA, NH, NJ, NY, PA, RI, and VT. Demetriou Group places admitted paper in these states; carrier availability may change based on class and state. If you have a multi-state account, contact underwriting early so they can confirm carrier appetite across the client’s footprint. Why Work with Demetriou Group on Professional Offices Specialized MGA underwriting focused on professional office risks—faster, more consistent decisions for standard account profiles. Multiple admitted carrier solutions available through one program; agents avoid piecing together coverage from disparate markets. Practical underwriting guidance that helps you package submissions for smooth acceptance and competitive terms. Responsive service for mid-market agents and brokers who need clear direction on endorsements, limits, and risk-control items. Example Account Scenarios You have a four-person accounting firm in a leased office building. They need property, business income, and general liability with modest professional coverage for tax prep services. This program is positioned to provide admitted package options and local-state-compliant policies. You work with a small behavioral health practice with several licensed clinicians operating in a multi-tenant professional building. The program can evaluate combined property and liability needs and offer endorsements appropriate for client counseling operations. Frequently Asked Questions What types of professional offices are best suited for this program?The program is best for small-to-mid-size professional offices such as accountants, architects, therapists, consultants, and similar client-facing service firms. It is not intended for high-exposure medical or large multi-location program business without prior underwriting review. Which states are supported and is coverage admitted?Coverage is available in CT, ME, MA, NH, NJ, NY, PA, RI, and VT. Demetriou Group places admitted paper in the program’s available states; specific carrier availability depends on class and state. What submission materials does underwriting want to see?Provide a completed ACORD application, current loss runs (typically past five years), description of operations, payroll/revenue details, and premises information (lease or building details). Early disclosure of prior claims helps speed the review. Are professional liability elements included or available?Package options include businessowners components and limited professional liability where appropriate for the class. For professions requiring standalone professional liability or medical malpractice, coordinate with underwriting to identify acceptable solutions. How quickly can I get a decision?Routine risks with complete submissions receive a faster underwriting decision through Demetriou Group’s streamlined process. Turnaround varies by state and complexity; more involved or higher-exposure submissions may require supplemental information and longer review. Need help placing an account? Connect with a market specialist.

Place restaurant risks confidently with Demetriou General Agency’s Restaurant Insurance program. Ideal Accounts and Appetite This program is designed for independent agents and brokers looking to place food-service risks across a wide spectrum of operations. Demetriou General Agency works with a major national carrier to provide coverage solutions for businesses that include quick-service counters, neighborhood eateries, full-service restaurants, and fine-dining establishments with liquor exposure. Examples of well-suited accounts include: Small to mid-sized restaurants offering dine-in or takeout service Gourmet or fine-dining establishments with higher-value equipment and contents Restaurants that serve or sell alcoholic beverages (liquor liability required) Multi-location operations or franchise concepts Coverage Highlights and Advantages Demetriou’s Restaurant Insurance program bundles common and restaurant-specific coverages into a flexible package so you can match protections to each insured’s exposures. Coverage options include: Food Spoilage Arson Conviction Reward Customers' Property Protection Premises Boundary Coverage Crime Coverages Backup of Sewers and Drains Contamination Shutdown Blanket Coverage Options Bodily Injury for Foodborne Illness and Business Interruption Employment Practices Liability Foodborne Illness Business Income Coverage Liquor Liability (mandatory for establishments that serve alcohol) Limits and endorsements can be tailored to client needs. Clients may select Replacement Cost or Actual Cash Value for property coverage based on budget and risk tolerance. Additional Policy Types Offered Demetriou can also help place complementary lines to create a complete program for restaurant clients: Business Owners Policy (BOP) Workers' Compensation Commercial Automobile Commercial Umbrella Underwriting Notes and Minimum Premiums Underwriting evaluates construction, protection, food-preparation exposures, alcohol service, and loss history. Minimum premiums vary by account size and state; Demetriou works with multiple markets to find competitive terms and will guide you on appropriate limits and deductibles for each risk. Territories and Availability The program is available to agents placing business in CT, ME, MA, NH, NJ, NY, PA, RI, and VT. Both admitted and non-admitted options are available depending on the carrier and the state. Why Work With Demetriou General Agency? As a specialized Managing General Agency, Demetriou General Agency combines hospitality-focused underwriting with access to a national carrier network. Their team moves quickly on submissions, offers underwriting flexibility for common restaurant exposures, and helps you assemble multi-line placements when needed. Typical scenarios where this program performs well: You have a single-location bistro that needs food spoilage, liquor liability, and business interruption coverage with competitive property limits. You represent a regional quick-service concept expanding to multiple locations that requires a single, consistent program and options for blanket coverages. If you need help placing an account or want eligibility guidance, use the Connect with a market specialist link in the FAQ section below to start a submission. Frequently Asked Questions What types of restaurant businesses are eligible for this program?This program is suitable for a wide range of food service businesses, including quick-service, dine-in, gourmet, and establishments that serve alcohol. Is liquor liability coverage included?Yes, liquor liability is required and available for restaurants that serve or sell alcoholic beverages. Can this program accommodate multi-location restaurant operations?Yes, the program can be tailored to handle multiple locations under a single policy when appropriate. What states is this program available in?It is available in CT, ME, MA, NH, NJ, NY, PA, RI, and VT. Are both admitted and non-admitted carriers used?Yes, Demetriou General Agency works with various carriers, offering admitted and non-admitted options depending on the state and risk profile. Need help placing an account? Connect with a market specialist.