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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.

Consider Demetriou General Agency for your Auto Repair Insurance needs! Overview of the Program From Demetriou Group Demetriou Group offers a robust Garage Insurance program designed to meet the diverse needs of auto-related businesses. As a Managing General Agency (MGA) with access to multiple carriers, we help independent agents place hard-to-find and specialized risks across the auto repair and dealership segments. Whether your client operates a small mechanic shop or a multi-location dealership, our program delivers flexible solutions and broad coverage options. Ideal Accounts and Appetite Our Auto Repair Insurance program targets a wide range of garage-related operations, including but not limited to: New and Used Car Dealers RV Dealers and Repair Facilities Auto Body and Paint Shops Heavy Truck Repair Shops Private Passenger Auto Repair Shops Motorcycle Dealers and Repair Centers Auto Stereo and Alarm Installers Auto Detailers and Car Washes Valet Parking Services Impound Yards Gas Stations with Auto Repair Bays Trailer Dealers and Public Livery Repair Shops If you work with clients in the automotive services space, chances are we have a solution for them. For example, you may have a client operating a combined gas station and repair garage, or a motorcycle repair shop looking for expanded liability protection—both are excellent fits for this program. Coverage Highlights and Advantages Our Garage program offers package policies with the flexibility to tailor coverage to fit your client's operations. Key coverage features include: Garage Liability Limits up to $5,000,000 General Liability and Package Options Garagekeepers Coverage on a Legal Liability, Direct Primary, or Direct Excess basis Garagekeepers Limits up to $5,000,000 per lot and $150,000 per vehicle Dealer’s Open Lot Coverage with limits up to $5,000,000 per lot and $150,000 per vehicle This comprehensive offering helps protect your clients from exposures including property damage to customer vehicles, liability for operations, and dealer inventory loss. Underwriting Notes and Minimum Premiums Minimum premiums vary depending on the class of business, location, and specific coverage needs. We work closely with appointed agents to understand the risk and provide competitive terms where possible. Submissions with clean loss history and complete applications are more likely to receive favorable consideration. 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). We offer both admitted and non-admitted options based on the risk profile and state requirements. Why Work With Demetriou Group? With decades of experience in the garage space, Demetriou Group understands the unique exposures faced by auto-related businesses. Our dedicated underwriting team offers fast responses, flexible solutions, and access to a wide network of carriers. Whether you’re placing a standard auto repair shop or a more complex dealer operation, our team is here to support your success. Frequently Asked Questions What types of accounts are a good fit for this program?We target a broad range of garage-related businesses, including auto repair shops, dealerships, body and paint shops, gas stations with repair bays, and more. Are you able to quote in multiple states?Yes, this program is available in CT, ME, MA, NH, NJ, NY, PA, RI, and VT. We can help agents place risks across this regional footprint. What coverage limits are available?We offer Garage Liability and Garagekeepers limits up to $5,000,000 per lot and $150,000 per vehicle, along with Dealer’s Open Lot coverage at the same limits. What types of Garagekeepers coverage do you offer?We can provide Garagekeepers coverage on a Legal Liability, Direct Primary, or Direct Excess basis, depending on your client’s needs. Do you require a minimum premium?Minimum premiums vary by risk type and location. Contact us with a completed submission to receive a tailored quote. 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.

Pizza Parlor Insurance Program from Demetriou Group Demetriou Group offers a focused Pizza Parlor Insurance program built for the unique operational and delivery risks of pizzerias, pizza parlors, and pizza delivery operations. As a Managing General Agency (MGA), Demetriou Group gives independent agents streamlined access to multiple carriers and underwriters experienced with food service risks, helping you place new or renewal business more efficiently. Ideal Accounts and Appetite This program is tailored for a range of pizza-focused operations, including: Independent pizza parlors and dine-in restaurants Take-out and delivery operations Franchise locations (subject to underwriting) Fast-casual or limited seating pizza shops Preferred submissions are accounts with established loss controls, documented safety procedures for kitchen and delivery staff, and complete prior loss histories. Accounts with consistently maintained premises, routine training for delivery drivers, and prior coverage are the best fit. High-risk features (e.g., large-scale catering, extensive late-night operations, or chronic open-flame exposures without controls) will require additional review and may be restricted. Coverage Highlights and Advantages The Pizza Parlor Insurance program provides a flexible package of commercial coverages to match common exposures in this niche: General Liability for third-party BI/PD exposures Property coverage for buildings, equipment, stock, and refrigeration Business Income & Extra Expense for interruption recovery Liquor Liability where liquor sales are present Commercial Auto available for delivery vehicles Workers’ Compensation offered through select carriers Because Demetriou Group works with multiple markets, agents can often secure admitted placement where required or explore non-admitted options to expand capacity for tougher risks. Underwriting Notes and Minimum Premiums Submissions should include a completed application, current loss runs, and specific details on delivery operations (numbers of drivers, vehicle types, GPS or telematics usage, and delivery radius). Typical underwriting considerations include cooking equipment (deep fryers, broilers), hood suppression systems, fire protection, and hours of operation. Businesses that operate past midnight, or that use independent contractors for deliveries, will receive closer scrutiny. Minimum premiums vary by state, size of operation, and chosen coverages. Contact Demetriou Group for the program's current underwriting guidelines and minimums. Example fits: A neighborhood pizzeria with dine-in seating, 6–10 employees, and company-owned delivery vehicles — clean loss history and documented kitchen fire suppression. A small regional franchise with multiple locations, centralized safety protocols, and a record of prior coverage — suitable for admitted placement where available. Territories and Availability This program is available to licensed agents in Connecticut, Maine, Massachusetts, New Hampshire, New Jersey, New York, Pennsylvania, Rhode Island, and Vermont. Coverages can be written on an admitted basis where applicable and subject to carrier authority and state regulation. Why Work With Demetriou Group? Demetriou Group specializes in restaurant and hospitality risks. They provide responsive underwriting, a pragmatic approach to kitchen and delivery exposures, and access to multiple carriers—helping you match the right market to each pizza parlor account. Whether you're placing a small start-up or reshopping a long-standing operation, Demetriou Group offers program flexibility and market access to get accounts bound. Learn more about Demetriou Group on their CompleteMarkets profile. Frequently Asked Questions What types of pizza businesses are eligible for this program?The program is ideal for independent pizzerias, take-out and delivery operations, dine-in pizza restaurants, and some franchise locations depending on underwriting. Is delivery service covered under this program?Yes. Commercial Auto for company-owned delivery vehicles is available; coverage depends on vehicle usage, driver qualifications, and delivery radius. What states is this program available in?This program is available in CT, ME, MA, NH, NJ, NY, PA, RI, and VT. Do you offer coverage through admitted carriers?Yes. Admitted coverage is available in the listed states where carriers have authority; non-admitted options may be used for broader capacity when needed. What is the minimum premium for this program?Minimum premiums vary by state and the scope of coverages selected. Contact Demetriou Group for current minimums and underwriting criteria. 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.

Demetriou Group (Demetriou General Agency) offers a comprehensive Social Services Insurance Non-Profit Package designed for community-focused nonprofit organizations. This all-in-one program streamlines placement by combining multiple essential coverages into a single policy issued through one carrier, reducing paperwork and simplifying renewals for your clients. Overview of the Program From Demetriou General Agency This program is built for independent agents and brokers placing nonprofit social service accounts. With one application and one policy you can secure broad protection that commonly includes: General Liability Property Coverage Social Services Professional Liability Directors & Officers (D&O) Employment Practices Liability Insurance (EPLI) The package is designed to address the mix of premises, professional, and management exposures typical to social service nonprofits — from small community groups to multi-service organizations. Ideal Accounts and Appetite Demetriou’s Social Services Insurance program targets a wide range of nonprofit classes, including but not limited to: Abused adult shelters Animal shelters and rescue groups Big Brother / Big Sister mentoring programs Botanical gardens and community gardens Caregiver and home-visiting services Counseling and referral agencies Food banks, soup kitchens, and meal programs Group homes for individuals with mild disabilities Senior activity centers Thrift stores and transitional housing programs Vocational sheltered workshops Youth and community centers Typical fits are nonprofits that provide direct services to vulnerable populations, operate public programs or events, run retail-style thrift operations, or offer supervised residential services. Accounts with complex clinical exposures, large congregate care operations, or high-risk behavior programs should be discussed with underwriting prior to submission. Coverage Highlights and Advantages Key benefits of placing Social Services Insurance with Demetriou General Agency include: Single application and centralized underwriting to speed turnaround Multiple lines placed through a single carrier to avoid coverage gaps Policy language and limits tailored to nonprofit operations and social services risks Optional D&O and EPLI components to protect boards, executives, and staff This bundled solution reduces administrative burden for both you and your insured while providing coordinated limits and consistent terms across exposures. Underwriting Notes and Minimum Premiums Minimum premiums and final terms vary by the size, scope, and services of the insured. Demetriou provides underwriting flexibility to accommodate a broad range of nonprofit operations. Common submission items include a completed application, recent loss history (if any), a description of programs and client populations served, and financial or operational documents for higher-limit accounts. Territories and Availability The program is available in Connecticut, Maine, Massachusetts, New Hampshire, New Jersey, New York, Pennsylvania, Rhode Island, and Vermont. Coverage is offered on an admitted basis where applicable. Why Work With Demetriou General Agency? As a specialty Managing General Agency, Demetriou Group brings focused expertise in placing coverage for nonprofit and social service organizations. Their underwriters understand the regulatory, operational, and liability challenges these groups face and offer responsive service to help you close business efficiently. Because the program bundles multiple lines with one carrier, you can present clients with a unified solution that is easier to manage at renewal. Example scenarios that fit well: You represent a regional food pantry that also operates a thrift store and a small job-training program — this package can consolidate GL, property, and professional liability coverages into one policy. A volunteer-run animal rescue with occasional adoption events needs general liability, property, and volunteer protection; the program provides coordinated limits and volunteer liability considerations. For Social Services Insurance placement assistance, submit a completed application and program details to Demetriou General Agency. Frequently Asked Questions What types of accounts are a good fit for this program?Nonprofit organizations such as shelters, food banks, group homes, counseling centers, and community outreach programs are well suited to this package. What coverages are included in the all-in-one package?The package commonly includes General Liability, Property, Social Services Professional Liability, Directors & Officers, and Employment Practices Liability. Is this program available on an admitted basis?Yes — coverage is offered on an admitted basis in applicable states within the program territory. Which states is this program available in?This program is available in CT, ME, MA, NH, NJ, NY, PA, RI, and VT. How do I submit an account for underwriting?Submit a completed application along with relevant organizational details and any loss runs to Demetriou General Agency for review and quoting. Need help placing an account? Connect with a market specialist.

Demetriou General Agency is proud to offer a specialized Wholesale Distributors Insurance program tailored for a wide range of distribution businesses. Designed with the unique risks of the wholesale distribution industry in mind, this program is ideal for agents and brokers looking to place business for clients involved in selling goods to other businesses, retailers, or commercial users. Ideal Accounts and Appetite This program targets distributors with up to $5,000,000 in annual sales across more than 30 distribution classes. Appetite includes, but is not limited to: Building material distributors Mercantile goods distributors Food and beverage wholesalers The program is also suitable for risks that maintain a warehouse onsite or have an incidental retail operation in addition to their wholesale activities. Example: You might have a client distributing kitchen equipment with a small showroom at their facility—this would be within appetite. Coverage Highlights and Advantages Limits available up to $1,000,000 per occurrence / $2,000,000 aggregate Excess liability coverage available up to $5,000,000 Written on a Businessowners Form for broad protection Coverage for personal property off-premises and in transit: up to $300,000 Electronic data and computer operation interruption: up to $300,000 combined No liability deductible Low premiums starting at $400 Expanded bodily injury definition to include mental anguish and emotional distress This package offers robust protection for common exposures faced by distributors, such as inventory loss in transit, onsite property risks, and technology-related disruptions. Underwriting Notes and Minimum Premiums Minimum premiums vary depending on the class of business, risk characteristics, and coverage limits selected. The program is flexible and competitively priced, making it accessible for small to mid-sized distributors with standard to moderate exposures. 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 an admitted basis across all available states, providing compliance and peace of mind for your clients. Why Work With Demetriou General Agency As a Managing General Agency with deep market access and underwriting expertise, Demetriou General Agency offers responsive service and tailored solutions. Our Wholesale Distributors Insurance program is backed by strong carrier relationships and is structured to meet the evolving needs of modern distributors. Whether your client is a startup distributor or an established operation, we provide the tools and support you need to place this business with confidence. Frequently Asked Questions What types of accounts are a good fit for this program?Accounts with up to $5 million in annual sales across building materials, food and beverage, and mercantile distribution are ideal. Risks with warehouses or small retail components are also acceptable. Is this program available on an admitted basis?Yes, the program is offered on an admitted basis in all available states. Are incidental retail operations eligible?Yes, the program accepts wholesale distributors that have incidental retail components as part of their operations. What is the minimum premium for this program?Minimum premiums vary based on risk characteristics, but low premiums start at $400 for qualifying accounts. Which states is the program available in?This program is available in CT, ME, MA, NH, NJ, NY, PA, RI, and VT. Need help placing an account? Connect with a market specialist.