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...e apartment complex with a recent roofing update but a marginal loss history w...

...g supplies such as lumber, steel, roofing materials, concrete forms, insulatio...ted materials such as lumber, steel, roofing supplies, concrete forms, and insulation. ...

Advanced E&S is a Managing General Agency and Surplus Line Broker. We underwrite a range of commercial property and casualty classes for office building owners across the Midwest, offering flexible placement options through E&S carriers and program markets. Office Building Owners Insurance Coverages: Business Income Business Interruption CGL Fire GL Glass Liability Property Real & Business Personal Prop Theft Overview — Office Building Owners Insurance from Advanced E&S Group Advanced E&S Group - Midwest Region provides a targeted program to help agents place office building owner risks that need surplus-lines capacity, specialty underwriting, or broader coverage options than standard-admitted markets can offer. As an MGA and E&S broker, we bind through various non-admitted carriers and tailored paper to address common property and liability exposures faced by owners and managers of small to mid-size office buildings. Ideal Accounts and Appetite Multi-tenant and single-tenant office buildings generally up to mid-sized portfolios. Office properties with professional tenants (law, accounting, medical administrative offices, technology services). Buildings with standard building systems (central HVAC, conventional roof types) and typical tenant improvements. Properties that need broader policy terms, higher sublimits for business income, or specialized endorsements (glass, crime/theft, sprinkler leakage). We typically do not appetite properties with heavy manufacturing, significant solvent/chemical exposures, vacant long-term buildings, or high-rise office towers requiring specialized large account underwriting. Accounts that need admitted paper should be evaluated separately; this program focuses on E&S placement across the listed Midwest states. Coverage Highlights and Advantages Comprehensive property coverage including building, real and business personal property, glass and crime/theft options. Business Income / Business Interruption wording and extended period options to better protect rental income streams. Commercial General Liability and Liquor/GL where applicable for tenant operations; ability to add common endorsements for tenant exposures. Flexible limits and sublimit structures through multiple non-admitted carriers to meet unusual or layered needs. Ability to package coverages or offer monoline placements depending on carrier appetite. Underwriting Notes and Minimum Premiums Underwriting considers location, construction type, protection class, vacancy, tenant mix, loss history, and operations on the premises. Roof age, sprinkler protection, and security/crime controls are key decision factors. Minimum premiums vary by carrier and risk characteristics; please include detailed exposure information and current valuation and loss runs when submitting for a prompt review. 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, WI. Coverage is placed through non-admitted markets; availability and terms may differ by state and carrier. Why Work With Advanced E&S Group — Midwest Region Specialized E&S underwriting and market access for office building owners where admitted markets are limited. Experienced underwriting team focused on practical coverage solutions and flexible policy forms. Familiarity with regional exposures across the Midwest and access to various carriers and program options. Fast quoting when submissions include clear property details, valuation, tenant information, and loss runs. Example Accounts That Fit This Program A 3-story, multi-tenant professional office building with above-average rental income and a recent loss-free history that requires higher business income limits than standard carriers offer. A single-owner suburban office property with multiple tenant suites seeking combined property, GL, and crime coverage on an E&S policy due to unusual occupancy endorsements. Frequently Asked Questions What types of office building accounts are a good fit for this program?Small to mid-size multi-tenant or single-tenant office buildings with typical professional tenants, standard building systems, and active occupancy. The program is best when you need E&S capacity, broader terms, or tailored business income and property endorsements. Which states can I place business through Advanced E&S Group - Midwest Region?This program writes in IA, IL, IN, KS, KY, MI, MN, MO, NE, NJ, NY, OH, PA, VA, and WI. Coverage is placed through non-admitted carriers; availability and filing requirements may vary by state. What information should I include with a submission to get a fast decision?Provide property address, construction details, protection class/sprinklers, roof age, number of stories, occupancy and tenant mix, current valuations, and the most recent loss runs. Clear documentation helps underwriters quote more quickly and accurately. Are there common exclusions or account types you will decline?We generally avoid heavy industrial or manufacturing occupancies, long-term vacant buildings, and high-rise towers requiring large account placement. Specific declines depend on carrier appetite and individual exposures. Need help placing an account? Connect with a market specialist.

...: Independent welding supply stores and regional distribution centers ...

Your Workers Compensation Solution for Restaurants Utah Business Insurance Company (UBIC) offers a competitive, A-rated Workers Compensation program tailored for restaurants. As a direct carrier with deep hospitality experience, UBIC understands restaurant-specific exposures—slips, cuts, strains, and kitchen hazards—and provides underwriting and service designed to help agents place and retain this business. The program is available in multiple admitted territories, including key hospitality markets such as Arizona, Idaho, Nevada, and Utah. Ideal Accounts and Appetite This program is best for small to mid-sized restaurants: quick-service, cafes, bistros, family-style diners, and similar operations. UBIC will consider new ventures, accounts with prior lapses, and businesses transitioning out of Professional Employer Organizations (PEOs). The program does not accept restaurants with 24-hour operations. Coverage Highlights and Advantages Admitted coverage in all available states for smoother placement and compliance A-rated carriers backing the program: Companion Property and Casualty, Companion Commercial Insurance, and Utah Business Insurance Co. Guaranteed-cost Workers Compensation offering premium predictability and simpler budgeting Monthly self-reporting payroll options to help insureds manage cash flow Underwriting experienced in hospitality exposures and risk-control guidance tailored to restaurants Underwriting Notes and Minimum Premiums Minimum premiums typically start at $1,000 Experience modification (mod) must be 1.5 or less New ventures and accounts with prior lapses are acceptable Accounts exiting PEO arrangements are considered 24-hour operations and high-risk specialty concepts are not eligible Example fits: You might have a client opening a small quick-service sandwich shop in Nevada with no prior coverage, or an owner-operated bistro in Utah exiting a PEO — both scenarios that can often be placed through this program. Territories and Availability This program is available in the following admitted states: Arizona (AZ), Arkansas (AR), Colorado (CO), Idaho (ID), Illinois (IL), Missouri (MO), Nevada (NV), New Mexico (NM), Oklahoma (OK), Oregon (OR), Tennessee (TN), Texas (TX), and Utah (UT). Why Work With UBIC? UBIC brings carrier-level underwriting focused on small business and hospitality. Agents benefit from competitive admitted capacity, responsive underwriting for restaurant exposures, flexible payroll reporting options, and a streamlined placement process. The program’s guaranteed-cost structure simplifies renewal conversations and helps insureds manage premium volatility. Frequently Asked Questions What types of restaurant accounts are eligible for this program?The program targets small to mid-sized restaurants—quick-service, cafés, bistros, and family-style operations—including new ventures, accounts with prior lapses, and those exiting PEOs. Restaurants that operate 24 hours are not eligible. What states is the program available in?The program is offered on an admitted basis in AZ, AR, CO, ID, IL, MO, NV, NM, OK, OR, TN, TX, and UT. What are the minimum underwriting requirements?Underwriting generally requires an experience modification of 1.5 or less. The program accepts new ventures and accounts with lapses, and minimum premium levels typically begin around $1,000. Is this a guaranteed cost program?Yes. This is a guaranteed-cost Workers Compensation program, which provides stable, predictable premiums rather than retrospective adjustments. Are there flexible reporting options?Yes. Monthly self-reporting is available to help insureds manage payroll reporting and cash flow. Need help placing an account? Connect with a market specialist.

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...in Colorado that manages framing, roofing, and finish trades and requires comb...

...trician • Healthcare • Convenience Store • Barber Shop • Cafe • Clerical • Car...oe Repair • Physical Therapist • Book Store • Insurance Agents • Orthodontists...

Barber shops and beauty salons face distinct workers’ compensation exposures that benefit from a focused underwriting approach. Novatae Risk Group, working with an “A”-rated carrier panel, offers a streamlined and affordable Workers Compensation program built specifically for barber and beauty salon operations. The program is designed to simplify placement, satisfy compliance, and control cost for typical salon exposures. This program is designed for agents and brokers who need competitive pricing and dependable service for salon clients. Whether you represent a single-location barbershop, a suite-style salon, or a multi-location salon group, Novatae’s program provides fast turnarounds and flexible underwriting to help you close business. Program Highlights: Only $7,500 minimum premium 10% commission for agents and brokers Quick quote turnaround with complete submissions Coverage available in over 20 states Appetite and Eligible Accounts: Independent barber shops and hair salons Beauty salons offering hair, nails, waxing, skincare and related services Salon suites with multiple professionals operating under one roof New ventures accepted with complete submissions and a supplemental questionnaire You may have a client who operates a small chain of full-service salons across multiple states or an established barbershop expanding its staff. Those accounts often fit well — they can benefit from Novatae’s fast quoting process, multiple market access, and competitive pricing. Submission Requirements: Completed Acord 130 Three years of loss runs Supplemental questionnaire describing services and operations Details on any large or unusual losses Contact us today at 800-758-8113 to speak with an experienced underwriter about your barber or salon accounts. You can also send your submission or coverage questions to [email protected] for fast review. Territories and Market Access: The program is available in these states: AL, AK, AZ, AR, CA, CO, CT, FL, GA, IL, KY, LA, MS, MO, NV, NJ, NM, NY, NC, PA, SC, TN, TX, UT, VA, and WV. Novatae leverages multiple admitted and non-admitted markets and can offer the appropriate placement depending on the client’s location and risk profile. Why Work with Novatae Risk Group? Novatae Risk Group is a Managing General Underwriter and Excess & Surplus Lines broker with deep experience placing niche workers’ compensation accounts. Our underwriters know the operational risks of beauty and grooming professionals and focus on responsive service, practical underwriting, and broad market access so you can place business faster. Frequently Asked Questions What types of accounts are a good fit for this program?Independent barber shops, beauty salons, and salon suites that provide services such as hair styling, nails, waxing, and skincare are ideal candidates. Is this program available for new businesses?Yes. New ventures are considered when you provide a complete submission, including the supplemental questionnaire and business details. What is the minimum premium for this program?The program’s minimum premium starts at $7,500, which suits many small- to mid-sized salon operations. How quickly can I get a quote?Quotes are typically returned quickly once all required documents—such as the Acord 130 and loss runs—are submitted. Which states is this program available in?Coverage is available in over 20 states, including CA, FL, TX, and NY, as listed above. Need help placing an account? Connect with a market specialist.