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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.

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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.

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 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.

Demetriou General Agency offers a specialized Bakery Insurance program designed to meet the unique needs of bakeries and food processors. With access to multiple carriers and markets, we can help you place a wide range of bakery-related risks, from small retail shops to commercial baking operations. Whether your client is baking artisan breads, cakes, or packaged goods, we can provide tailored coverage that protects their property, products, and operations. Ideal Accounts and Appetite Our program is ideal for a variety of bakery operations, including: Retail bakeries with storefronts Commercial and wholesale bakeries Bakery cafés and pastry shops Bakeries with delivery services or online sales We can accommodate both stand-alone bakeries and those with integrated retail or light foodservice components. Accounts with clean loss histories and established operations are preferred, though we will consider startups on a case-by-case basis. Coverage Highlights and Advantages Demetriou’s Bakery Insurance program provides core and optional coverages to address the full range of operational exposures: Property Insurance – Covers buildings, machinery, cooking equipment, point-of-sale systems, and inventory. General Liability – For both premises liability and products liability, including risks related to baked or processed goods. Inland Marine – Covers goods in transit, including finished products delivered to customers—particularly important for bakeries using third-party carriers. Crime Coverage – Protects against employee theft of inventory and related exposures, especially for retail or online sales operations. Excess and Umbrella – Additional protection against catastrophic liability, such as widespread illness caused by tainted food products. These coverages can be customized based on your client’s specific operations and risk profile. Underwriting Notes and Minimum Premiums Minimum premiums vary depending on the size and scope of the operation. We offer flexible underwriting and work with a variety of A-rated carriers to find the best fit for your client. Our team is experienced in evaluating bakery-specific exposures, which helps streamline the quoting process. Territories and Availability This program is available in the following states: CT, ME, MA, NH, NJ, NY, PA, RI, and VT. Coverage is offered on both admitted and non-admitted paper, depending on the risk and carrier. Why Work With Demetriou Group? As a Managing General Agency, Demetriou Group brings extensive experience and strong carrier relationships to the table. We understand the operational challenges and liability exposures bakeries face and offer tailored solutions to protect your clients. Our responsive underwriting team and market access make us a valuable partner for brokers placing bakery risks. Whether your client is a neighborhood bakeshop or a growing wholesale bakery with regional distribution, we can help you find the right coverage to meet their needs. Frequently Asked Questions What types of accounts are a good fit for this program?Retail bakeries, commercial and wholesale bakers, bakery cafés, and operations with delivery or online sales are all strong fits. Are new bakery businesses eligible for coverage?Yes, we will consider startups depending on the business plan and projected operations. Established businesses are preferred, but new ventures can be reviewed. Can this program cover bakeries that deliver products using third-party carriers?Yes, inland marine coverage is available for goods in transit, even if third-party or common carriers are used for delivery. Is the program available on an admitted basis?Yes, we offer coverage on both admitted and non-admitted paper, depending on the risk and state. What information is needed to get a quote?Basic business details, loss history, property values, and a description of operations are typically required. Additional info may be requested during underwriting. Need help placing an account? Connect with a market specialist.

General Contractors Insurance Program from Demetriou Group Demetriou Group offers a focused General Contractors Insurance program to help independent agents and brokers place construction-related commercial risks with confidence. As a Managing General Agency (MGA) with access to multiple carriers, Demetriou Group provides flexible, multi-line solutions tailored to the exposures general contractors face on residential, commercial, and light industrial projects. Ideal Accounts and Appetite This program is designed for licensed general contractors and construction managers across a range of project types and sizes. Typical targets include: Residential home builders and remodelers Commercial general contractors Light industrial contractors Construction managers and design-build firms Subcontractor-heavy operations can be considered when strong subcontractor controls, certificate tracking, and safety programs are in place. Demetriou Group prefers accounts with prior coverage and a clean or explainable loss history, but will evaluate more complex or higher-exposure risks on a case-by-case basis. Coverage Highlights and Advantages The program offers broad capacity across common construction lines to help your clients meet contractual, lender, and project requirements. Available coverages may include: General Liability (including common construction endorsements such as CG 2294 / CG 2295) Commercial Property and Equipment Coverage Contractor’s Tools and Equipment Builders Risk Commercial Auto Workers’ Compensation (in select cases) Umbrella / Excess Liability Limits, endorsements, and admitted vs. non-admitted placement depend on carrier appetite and the state of operations. Demetriou Group’s market access gives agents options to match coverage to project requirements and risk tolerances. Underwriting Notes and Minimum Premiums Underwriting focuses on the whole account: project types, revenue mix, subcontractor use, safety programs, loss history, and certificate controls. Minimum premiums vary by carrier and the complexity of the account; each submission is reviewed individually to determine eligibility and pricing. To get a complete picture, include a current ACORD applications, a five-year loss run, payroll and subcontractor details, and descriptions of typical project types when you submit. Territories and Availability This program is available to agents and brokers in the following states: Connecticut (CT) Maine (ME) Massachusetts (MA) New Hampshire (NH) New Jersey (NJ) New York (NY) Pennsylvania (PA) Rhode Island (RI) Vermont (VT) Solutions are written through a range of carriers depending on state filing requirements and class of business; admitted and non-admitted placements are available as appropriate. Why Work with Demetriou Group? Demetriou Group brings focused construction underwriting and broad market relationships to help you place both routine and more complex general contractor accounts. Their underwriting team works collaboratively with brokers to identify the best carrier fit, structure multi-line placements, and respond quickly to binding needs. Example accounts that fit this program: A regional contractor that specializes in retail tenant buildouts with steady revenue and a formal safety program — needs GL, Builders Risk, and commercial auto. A residential general contractor performing whole-home remodels who uses several vetted subcontractors and requires tool and equipment coverage plus umbrella limits for contract requirements. To learn more or submit a risk, visit Demetriou Group’s CompleteMarkets profile or view program details at General Contractors Insurance Program. Frequently Asked Questions What types of accounts are a good fit for this program?Ideal accounts include licensed general contractors involved in residential, commercial, or light industrial construction. Remodelers, builders, and construction managers are all potential fits. Is this program available on an admitted basis?Yes. Admitted and non-admitted options are available depending on the state and the specific characteristics of the risk. What is the minimum premium for coverage?Minimum premiums vary by carrier and account complexity. Demetriou Group reviews each submission individually to determine pricing and minimums. Which states is this program available in?The program is currently available in CT, ME, MA, NH, NJ, NY, PA, RI, and VT. Can subcontractor-heavy operations be considered?Yes. Operations using many subcontractors may be considered, particularly when strong controls, certificate management, and safety practices are documented. 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.

Electronics Store Insurance Program from Demetriou Group Demetriou Group provides an Electronics Store Insurance program designed for independent agents and brokers who place coverage for retail electronics businesses. As a Managing General Agency with access to multiple carriers, Demetriou Group helps you secure admitted and non-admitted solutions across New England and several surrounding states. The program is structured to be flexible for everything from a single-location repair shop to multi-location retail operations. Underwriters at Demetriou Group offer market access and placement guidance tailored to electronics retailers. You can expect support on coverage design, carrier selection, and pre-qualification to speed quoting for accounts that meet program appetite. Ideal Accounts and Target Classes This program is best suited for retail and service-oriented electronics operations, including: Consumer electronics stores selling phones, computers, tablets, accessories, and related goods Repair shops that service phones, tablets, laptops, and other consumer electronics Independent franchises or small local chains of electronics retailers Online electronics sellers that maintain a physical storefront or warehouse for inventory and fulfillment Typical fits are retail-focused operations with limited on-site manufacturing, reasonably maintained premises, and standard loss histories. Accounts with extensive manufacturing, hazardous processes, or significant product liability histories are generally outside the core appetite. Coverage Highlights and Program Advantages The Electronics Store Insurance program can be structured with core and optional coverages commonly needed by electronics retailers: Property coverage for inventory, displays, and business equipment General liability covering premises and product-related exposures Business interruption and loss of income to protect revenue during a covered shutdown Crime coverage for theft, employee dishonesty, and fraud—important for high-turn inventory Inland marine for transportation of tools, equipment, and inventory in transit Optional cyber liability for retailers that handle customer data, process payments, or sell online Limits, endorsements, and deductibles will vary by carrier and risk profile. Demetriou Group works with you to align coverage features to the account’s operations and exposures. Underwriting Guidelines and Minimum Premiums Underwriting varies by carrier, state, and account characteristics. Accounts with clear documentation, good loss control practices, and current loss runs are the best candidates. Common factors underwriters review include inventory controls, physical security, repair procedures, data protection practices, and claims history. Minimum premium requirements differ by carrier and jurisdiction. Demetriou Group underwriters are available to pre-qualify risks and provide guidance on likely minimums to avoid unnecessary submissions. Available States The Electronics Store Insurance program is currently available in the following states: Connecticut (CT) Maine (ME) Massachusetts (MA) New Hampshire (NH) New Jersey (NJ) New York (NY) Pennsylvania (PA) Rhode Island (RI) Vermont (VT) Admitted and non-admitted options are available depending on the state and carrier appetite. Why Partner with Demetriou Group? Demetriou Group brings specialty retail expertise and a broad carrier network to help you place electronics retailers. Underwriting teams focus on the exposures unique to this niche—high-value inventory, repair operations, and customer data risks—so you can match each account to an appropriate market. The MGA model provides responsive service, underwriting consultation, and placement flexibility for standard and harder-to-place accounts. Demetriou Group can assist with submissions, recommend coverage enhancements, and identify admitted vs. non-admitted placement options. Example accounts you might place through this program: A neighborhood electronics repair shop that needs property, general liability, crime coverage, and optional cyber liability because it stores customer data during repairs. A regional retail chain with both storefronts and an online fulfillment warehouse that requires property, inland marine, and business interruption protection across multiple locations. Frequently Asked Questions What types of accounts are a good fit for this program?Retail electronics stores, electronics repair shops, and small electronics retail chains with clean loss histories are ideal candidates. Is this program available on an admitted basis?Yes, admitted and non-admitted options are available depending on the state and carrier. What coverages are typically included?Common coverages include property, general liability, business interruption, crime, inland marine, and optional cyber liability. In which states is this program available?This 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 by carrier and account but are generally competitive for retail electronics operations. Need help placing an account? Connect with a market specialist.