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...manufacturing equipment, medical supplies, and pharmaceuticals. Target Clas...arts, furniture, groceries, medical supplies, and more. Is liquor liability av...

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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.

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

...tems or purchase goods for resale. Stores with inventory, safes, and solid los...

Small Account Workers' Compensation Insurance Program from Phoenix Risk Management Phoenix Risk Management (PRM) offers a specialized Small Account Workers' Compensation Program designed for agencies looking to place smaller workers' comp accounts with competitive carriers. With a premium range from $1,000 to $100,000, this program is ideal for smaller businesses across a variety of industry classes that meet specific underwriting criteria. Whether your client operates a local retail shop, small manufacturing facility, or service-based business, PRM provides access to financially strong carriers (rated A XV to B+ VII by A.M. Best) that can offer the coverage they need—even if their account is too small for traditional markets. This is a non-admitted program, and carrier details are disclosed to appointed brokers upon request. Target Classes and Ideal Accounts The PRM Small Account Workers’ Compensation Program is well-suited for agents with clients in defined industry classes that may not qualify for standard markets due to size. Ideal accounts include: Small contractors and artisan trades Light manufacturing and assembly operations Retailers and small wholesalers Professional offices and service businesses You might have a client with a clean loss history and under $100,000 in annual premium, but they're struggling to find a carrier willing to take on the risk. This program is designed for those scenarios. Program Highlights Premium range: $1,000 to $100,000 Minimum premium: $1,000 Access to financially secure carriers (A XV to B+ VII) Tailored underwriting for small accounts Available across 48 states plus DC Submission Requirements To streamline the quoting process, PRM requires a complete submission package: Signed and dated ACORD application with FEIN Signed and dated PRM supplemental application Minimum of 4 years of currently valued loss runs (within 90 days of effective date) 4 years of historical aggregate payroll data Current Experience Modification Worksheet (if available) Details on any losses over $50K Complete description of operations Bureau Inspection Report (if available) Submissions accepted no earlier than 90 days prior to the effective date Territory and Availability This program is available in nearly all U.S. states, including 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, TX, UT, VT, VA, WA, DC, WV, WI, and WY. Why Partner with Phoenix Risk Management Phoenix Risk Management is a trusted Managing General Agency and Excess & Surplus Lines Broker with deep expertise in workers’ compensation. Their focus on small accounts, responsive underwriting, and strong carrier relationships make them a valuable partner for agents placing tough-to-place or underserved risks. With a streamlined submission process and clear underwriting expectations, PRM helps you close more business efficiently. Frequently Asked Questions What types of accounts are a good fit for this Workers’ Compensation program?Small businesses with premiums between $1,000 and $100,000 across defined industry classes such as retail, light manufacturing, and service trades are ideal. Accounts should have a clean loss history and meet underwriting criteria. Is this program admitted or non-admitted?This is a non-admitted program. Carrier names are disclosed to appointed brokers but are not advertised publicly. How far in advance can I submit an account?Submissions are accepted no earlier than 90 days before the requested effective date. What documentation is required to obtain a quote?A completed and signed ACORD application, PRM supplemental application, 4 years of loss runs, payroll history, and other underwriting data such as X-Mod and loss details over $50K are required for a quote. In which states is this program available?The program is available in most U.S. states, including all continental states and Washington, D.C., as well as Alaska and Hawaii. Need help placing an account? Connect with a market specialist.

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