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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.

At Demetriou Group, we provide Commercial Real Estate Insurance solutions through dedicated property and liability programs tailored for a wide range of real estate classes. Our offering is built to place both single-property risks and large portfolios with competitive pricing, flexible terms, and access to multiple carriers. If you need a market for standard or harder-to-place commercial real estate risks in the Northeast, Demetriou Group can help you find the right fit. Ideal Accounts and Appetite We write commercial real estate accounts of all sizes, including those that are underserved by standard markets. Our target classes include: Condominium associations Apartment buildings and garden-style apartments Senior housing and independent living residences Student housing Cooperatives Typical fits range from smaller, single-site apartment buildings to large, multi-state senior living portfolios. We can consider developing risks and established properties; however, highly speculative developments or properties with unresolved code violations or significant unaddressed hazards may require additional underwriting review. Coverage Highlights and Advantages Demetriou Group offers Monoline Property, Monoline General Liability, and Umbrella package solutions. Coverage is customizable to address exposures common to commercial real estate operations, including property damage, liability from tenant operations, and higher-limit umbrella protection for large exposures. Key advantages: Broad coverage terms and flexible underwriting approach Competitive rates across small to large accounts Access to multiple admitted and non-admitted carriers for placement flexibility Ability to package property and liability or quote monoline limits as needed Underwriting Notes and Minimum Premiums Underwriting considerations include property construction and age, occupancy mix, loss history, management practices, and controls for common liability exposures. Minimum premiums vary by account and coverage type; provide specific account details so our underwriting team can confirm thresholds and available options. We routinely evaluate risks with straightforward operations as well as those that need tailored terms. Territories and Availability This program is available in: Connecticut, Maine, Massachusetts, New Hampshire, New Jersey, New York, Pennsylvania, Rhode Island, and Vermont. We are actively seeking new agency partners in these states and can help agents grow their commercial real estate books where markets are limited. Why Work With Demetriou Group? As a Managing General Agency specializing in commercial property, Demetriou Group combines underwriting expertise with broad carrier relationships. We provide responsive service, flexible placement options (admitted and non-admitted), and support for both standalone and packaged solutions. Partnering with us gives you access to underwriters who understand the nuances of residential and specialized commercial real estate. Example scenarios: You have a 50–75 unit garden apartment complex with solid loss control measures and need both property and GL limits — we can provide competitive, packaged options. You manage a growing senior housing portfolio across several Northeastern states and need consistency of coverage and carriers — we can assist with multi-state placement strategies. Frequently Asked Questions What types of accounts are a good fit for this program? We target apartment buildings, condominiums, student and senior housing, cooperatives, and independent living residences—from single properties to larger portfolios. Can you write monoline property or liability coverage? Yes. We offer Monoline Property, Monoline General Liability, and Umbrella packages to meet specific client needs. Which states is this program available in? This program is available in CT, ME, MA, NH, NJ, NY, PA, RI, and VT. Is this program admitted or non-admitted? We have access to both admitted and non-admitted markets; placement depends on the risk profile and state requirements. What is the minimum premium required? Minimum premiums vary by coverage and account details. Submit the specifics of the risk so our team can provide accurate minimums and options. 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.

Demetriou General Agency is proud to offer our specialized Church Insurance program—Religious Institutions Advantage—designed to meet the unique needs of religious organizations and faith-based institutions. With years of experience serving this niche, we understand the complex exposures faced by churches, synagogues, mosques, and similar institutions, and we’ve built a comprehensive solution to help agents like you place this business with confidence. Ideal Accounts and Appetite This program is ideal for a wide range of religious organizations, including but not limited to: Churches and houses of worship Religious schools and daycare centers Faith-based community centers Nonprofit organizations affiliated with religious institutions Whether you are working with a small local congregation or a large multi-location ministry, we can help you find the right coverage fit. Accounts with educational components, sponsored outreach activities, or child care services are well within appetite. Coverage Highlights and Advantages Our Religious Institutions Advantage Program offers robust and flexible coverage options to address standard and specialized exposures, including: Comprehensive General Liability – Primary limits up to $1,000,000 Medical Payments – Helps address minor injuries on premises Sexual Misconduct Liability – Optional but critical for institutions with youth programs Special Equipment – Coverage for sound systems, musical instruments, and more Vehicles and Transportation – Including vans and buses used for church activities Unusual Liabilities – Tailored options for unique ministries or outreach programs We also support automated premium payments for added convenience and policy customization as your client's needs evolve. Underwriting Notes and Minimum Premiums Minimum premiums vary depending on the size and nature of the account. Accounts with solid risk management practices, clean claims history, and stable operations are particularly attractive. Our underwriting team is responsive and ready to help you navigate unique or complex submissions. Territories and Availability This program is 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), and Vermont (VT). Coverage may be placed on either an admitted or non-admitted basis, depending on the state and risk profile. Why Work With Demetriou Group? As a trusted Managing General Agency, Demetriou General Agency offers deep expertise in the religious sector and access to a broad range of markets. Our team is committed to helping you serve your clients with excellence while providing flexible solutions and responsive service. We look forward to building long-term partnerships with agents who value reliability, speed, and specialized knowledge. 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 all within appetite, especially those with youth programs or sponsored activities. Is sexual misconduct liability coverage included?This is offered as an optional coverage and can be added based on the needs of the religious institution. Are schools or child care services operated by churches eligible?Yes, our program is designed to cover affiliated operations like schools and child care services, provided they meet underwriting guidelines. 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 depending on the risk, size, and coverage selected. Contact us for specific underwriting guidance. Need help placing an account? Connect with a market specialist.

Demetriou General Agency offers a competitive Dwellings Insurance program through multiple carriers, built to serve both tenant- and owner-occupied small residential properties across the Northeast. Overview of the Program From Demetriou General Agency As a managing general agency, Demetriou Group brings broad market access and underwriting experience to independent agents and brokers. The Dwellings Insurance program is designed to help you place one- to four-family residential properties that do not fit standard homeowners markets or that need a dedicated dwelling fire/property solution. Ideal Accounts and Appetite Submit risks that match the program’s core appetite: One- to four-family tenant-occupied dwellings Two- to four-family owner-occupied dwellings This program fits landlords and homeowners who need coverage for rental units, tenants in place, or partially owner-occupied buildings. It’s best suited for standard to moderately complex risks that require admitted dwelling fire or property coverage rather than a homeowners form. Coverage Highlights and Advantages Coverage varies by carrier but typically includes broad dwelling fire and related property protections based on the risk profile. Key advantages for agents: Access to multiple admitted markets to improve placement options Underwriting flexibility for both tenant-occupied and owner-occupied structures Options to address varied occupancies, building conditions, and exposure levels ACORD applications are preferred and help accelerate the quote and placement process. Underwriting Notes and Minimum Premiums Underwriting decisions and premium levels depend on the carrier chosen, property condition, occupancy, and state. Demetriou works with several markets to find the best fit; minimum premiums are not fixed and will be set per-carrier and per-state. Territories and Availability The Dwellings Insurance program is available on an admitted basis 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) Coverage is issued admitted in these states, supporting agents who prefer admitted paper for regulatory consistency. Why Work With Demetriou Group on Dwellings Insurance? Demetriou Group offers responsive service, experienced underwriting guidance, and multi-carrier placement capabilities tailored to small residential risks. That combination helps you close accounts that might otherwise be difficult to place in the standard homeowners market. You might have a client who owns a three-family rental with tenants in place and older building systems — this program can provide admitted dwelling coverage options across multiple carriers to help secure placement. Or a homeowner converting a two-family to partial rental occupancy can often be submitted here when a homeowners policy is not available. Frequently Asked Questions What types of accounts are a good fit for this dwelling insurance program?The program is geared to one- to four-family residential properties, including tenant-occupied and owner-occupied dwellings that need dwelling fire or property coverage rather than a standard homeowners policy. Is an ACORD application required to submit a risk?ACORD applications are preferred because they streamline underwriting and speed quoting; include photos and recent inspections when available to help placement. What states is this program available in?Coverage is available on an admitted basis in CT, ME, MA, NH, NJ, NY, PA, RI, and VT. Are the policies admitted or non-admitted?Policies under this program are offered on an admitted basis in all listed states. Who can I contact for more information or to submit a risk?Visit the Demetriou Group’s CompleteMarkets profile to review program details and start the submission process. 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.

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.

You'll Fall In Love With Demetriou General Agency's Restaurant Insurance Program! Demetriou General Agency offers a specialized Restaurant Insurance program through a major national carrier. Designed exclusively for the food service industry, this program is built to address the unique risks that restaurants face, from small takeout kitchens to full-service fine dining establishments. Ideal Accounts and Appetite This program is ideal for independent insurance agents looking to place restaurant risks of all types and sizes. Whether your client runs a neighborhood pizza shop, a quick-service chain, or a high-end bistro with a liquor license, Demetriou General Agency can help you find the right coverage solution. Examples of well-suited accounts include: Small to mid-sized restaurants with dine-in or takeout service Gourmet or fine dining establishments Restaurants serving or selling alcoholic beverages (liquor liability required) Multi-location operations or franchise concepts Coverage Highlights and Advantages Demetriou’s restaurant insurance program offers a comprehensive package of coverages tailored to the real risks in the hospitality sector. 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) Clients can also choose between Replacement Cost Coverage or Actual Cash Value, depending on their needs and budget. Additional Policy Types Offered In addition to restaurant-specific coverages, Demetriou General Agency can help you place related lines, such as: Business Owners Policy (BOP) Workers' Compensation Commercial Automobile Commercial Umbrella Underwriting Notes and Minimum Premiums Minimum premiums vary depending on the size and scope of the restaurant operation. Demetriou works with a variety of markets and will help tailor policies based on individual risk characteristics. Accounts are underwritten competitively, with flexibility to meet unique needs. Territories and Availability This program is available to agents and brokers placing business in the following states: Connecticut, Maine, Massachusetts, New Hampshire, New Jersey, New York, Pennsylvania, Rhode Island, and Vermont. Admitted and non-admitted options are available, depending on the carrier and state. Why Work With Demetriou General Agency? As a trusted Managing General Agency (MGA), Demetriou General Agency brings deep expertise in restaurant insurance and access to a national network of carriers. Their team understands the operational and liability exposures facing restaurants and works closely with agents to deliver fast, reliable solutions. If you’re looking for a responsive partner with underwriting flexibility and a strong appetite for food service accounts, Demetriou General Agency is ready to help you succeed. 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.

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.