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...ility (EPL) market designed for restaurants, bars and foodservice operators. A...staurant EPL Insurance?Independent restaurants, neighborhood bars, quick-servi...

...ity industry. Built for hotels, restaurants, resorts and related operations, t...counts with higher experience mods, including those emerging from PEO arrangem...

...erate underground storage tanks, including: Gas stations and convenience st...include small multi-site gas station chains, municipality fuel depots with old...

Advanced E&S Group – Midwest Region is a trusted Managing General Agency and Surplus Line Broker, offering access to specialty commercial insurance markets for hard-to-place and niche risks. We specialize in placing coverage for convenience stores throughout the Midwest and select Eastern states, offering tailored solutions for a wide range of exposures common to this class of business. Overview of the Convenience Stores Insurance Program Our Convenience Stores Insurance program is designed for independent agents and brokers seeking a flexible solution for their retail clients. Whether your insured is a single-location corner store or a small chain with multiple locations, our non-admitted markets allow us to write accounts that may not qualify for standard market placement due to unique exposures or prior loss history. Ideal Accounts and Appetite We are actively seeking small to mid-sized convenience stores, with or without gasoline sales. Stores with 24/7 operations, liquor sales, or high foot traffic are welcome, as we have access to carriers that understand the increased exposures these operations present. Ideal submissions include: Standalone convenience stores C-stores with fuel pumps Locations with liquor sales Urban or rural locations We can consider risks with prior claims history or higher liability exposures, such as late-night operations or high-crime areas. Coverage Highlights and Advantages Our program offers comprehensive coverage options to help protect your insureds from the unique risks associated with running a convenience store. We can package or write monoline policies depending on your client's needs. Coverage options include: Commercial General Liability (CGL/GL) Property and Business Personal Property Business Income and Business Interruption Assault & Battery Liquor Liability Crime and Theft Excess Liability Food Spoilage and Contamination Glass Coverage Fire and Vandalism This broad menu of coverages allows you to craft a policy that aligns with your client’s specific operations and exposures. Underwriting Notes and Minimum Premiums Minimum premium requirements vary depending on the size, location, and risk profile of each account. We encourage agents to submit complete applications with current loss runs and detailed operational descriptions for faster turnaround. We have strong carrier relationships that allow us to be flexible on accounts that may not fit in standard markets. Territories and Availability This program is available in the following states: IA, IL, IN, KS, KY, MI, MN, MO, NE, NJ, NY, OH, PA, VA, and WI. All coverage is offered on a non-admitted basis through various carriers. Why Work With Advanced E&S Group? Advanced E&S brings deep market access and underwriting experience to help agents place challenging convenience store risks. We pride ourselves on responsive service, underwriting flexibility, and the ability to write what others can’t. Whether your client is a startup, a high-volume location, or a store with past claims, we’re here to help you find a solution. Frequently Asked Questions What types of convenience store accounts are a good fit for this program?We target standalone convenience stores, stores with fuel pumps, and locations with liquor or tobacco sales. High-traffic or 24-hour operations are also acceptable. Can you write accounts with prior losses or claims history?Yes, we can consider accounts with prior claims, especially when supported by strong risk management practices and current loss runs. Is coverage available for stores that sell alcohol or operate 24/7?Yes, our markets can handle liquor liability and exposures related to late-night or 24-hour operations. Do you offer package policies or monoline options?We can accommodate both package and monoline policies, depending on your client’s specific needs. What states is this program available in?This program is available in IA, IL, IN, KS, KY, MI, MN, MO, NE, NJ, NY, OH, PA, VA, and WI. Need help placing an account? Connect with a market specialist.

...compensation, EPLI for hotels & restaurants, and packaged programs for hospita...

...mporters & Distributors Restaurants With over 185 eligible class cod...

...ss common refrigerated exposures including temperature control failure, vehicl...

...range of hospitality businesses, including: Independent hotels and motels ...s available Optional enhancements including: Blanket Additional Insur...

...door Delivery and transport (including offsite/transit coverage) Manuf...es where cannabis or hemp is legal, including—but not limited to—the following...

... Not a fit: bars, nightclubs, restaurants or other operations with significa...hborhood markets and liquor stores, including potential premium credits for CB...