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Advanced E&S Group is a Midwest-focused Managing General Agency and surplus lines broker with broad access to commercial property and casualty markets. Our Commercial Building Owners Insurance program is built for agents and brokers who need flexible solutions for building-owner exposures — from full package policies to monoline property or liability placements. We work with multiple surplus lines carriers to place difficult, hard-to-place risks across a wide range of classes. Ideal Accounts and Appetite We write a variety of commercial property owners, focusing on small to mid-sized buildings. Typical clients include single-building investors, local property managers and owners of multi-tenant properties. We evaluate each account individually and often accommodate risks with prior losses or non-standard features. Examples of good-fit risks: A three-story commercial office building with multiple tenants and central HVAC A neighborhood shopping plaza with several retail tenants including a restaurant An older warehouse used for light manufacturing or storage that has had recent system updates Coverage Highlights and Advantages Our program offers flexible coverages that can be tailored to the owner’s exposures. Coverages are available as part of a packaged policy or written monoline when needed to fill gaps in a broker’s placement strategy. Key coverages include: Property and Commercial General Liability (GL/CGL) Business Income / Business Interruption Real & Business Personal Property Boiler & Machinery / Equipment Breakdown Crime and Theft Glass and Fire Coverage Umbrella and Excess Liability Underwriting Notes and Minimum Premiums Underwriting is performed on a case-by-case basis. We work with carriers that can address prior claims, older construction, mixed occupancies, and other complicating factors. Minimum premiums vary by state, coverage selections and risk characteristics; please contact a market specialist for guidance on expected pricing and appetite. Territories and Availability This program is available to licensed agents and brokers in IA, IL, IN, KS, KY, MI, MN, MO, NE, NJ, NY, OH, PA, VA, and WI. Policies are written on a non-admitted (surplus lines) basis, giving us flexibility to place harder-to-place risks through multiple markets. Why Work With Advanced E&S Group Advanced E&S Group combines deep Midwest market access with responsive underwriting and placement support. We prioritize fast turnaround, clear communication and practical solutions for complex placements. Whether you’re placing a single commercial building or a schedule of properties, our team can help you find competitive terms and structure coverages to protect building owners’ real and business personal property, income exposure and liability risks. Frequently Asked Questions What types of accounts are a good fit for this program?We target small to mid-sized commercial buildings including office, retail, industrial, and mixed-use properties. Properties with unique features or older construction are considered on a case-by-case basis. Can I submit accounts with prior claims or loss history?Yes. We review prior losses individually and frequently place accounts that have been declined elsewhere, depending on severity and risk controls. Is this program available on an admitted basis?No. This program is written on a non-admitted basis through various surplus lines carriers to allow greater flexibility on terms and classes. Do you offer monoline options?Yes. We can quote monoline property or liability coverage or combine coverages into a package policy based on your client’s needs. What states can I access this program in?The 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.

Advanced E&S is a Managing General Agency and Surplus Lines Broker serving the Midwest region. We specialize in placing challenging and unique property and casualty risks, and we offer tailored solutions for a wide range of commercial classes. One of our key offerings is our Condo/Homeowner Associations Insurance program, designed to meet the complex exposures faced by residential communities. Overview of the Program From Advanced E&S Our Condo/Homeowner Associations Insurance program addresses the specific liability and property exposures faced by condominium associations, homeowners associations (HOAs), and similar residential communities. Drawing on our access to a variety of E&S markets, we can help brokers place accounts that may not fit standard admitted carriers—whether due to location, loss history, or unique coverage needs. This program is available on a non-admitted basis with flexibility in underwriting and coverage customization. Ideal Accounts and Appetite We’re looking to partner with agents and brokers who work with residential communities such as: Condominium associations (low-rise, mid-rise, or high-rise) Townhome or planned unit developments (PUDs) Homeowner associations with shared community amenities Cooperative housing associations We can consider new ventures or associations with prior losses, subject to underwriting. Properties with pools, clubhouses, gated access, or other shared spaces are eligible for review. Coverage Highlights and Advantages Our program offers flexible coverage options to protect both the physical property and the liability exposures of the association. Key coverages include: General Liability (GL) and Commercial General Liability (CGL) Property coverage, including Real & Business Personal Property Business Income and Business Interruption Assault & Battery Fire and Fire Legal Liability Inland Marine Theft and Glass coverage Personal Property of Others We work with a range of carriers to tailor coverage based on the size, location, and risk profile of each association. Underwriting Notes and Minimum Premiums Minimum premiums vary depending on the risk, location, and coverage selected. We evaluate each risk individually and provide fast turnaround on submissions. Our underwriters understand the unique needs of community associations and can help structure a program even when the risk falls outside of standard guidelines. Territories and Availability This program is available in the following states: CT, FL, IA, IL, IN, KS, KY, MI, MN, MO, NE, NJ, NY, PA, VT, and WI. All coverage is offered on a non-admitted basis through various E&S markets. Why Work With Advanced E&S Advanced E&S brings deep experience in surplus lines and a flexible underwriting approach to help you place complex community association risks. Our team works directly with brokers to develop customized solutions, even for hard-to-place accounts. Whether your client is a small HOA with shared green space or a multi-building condo complex with full amenities, we can help you find the right coverage fit. Frequently Asked Questions What types of accounts are a good fit for this program?We’re targeting residential community associations such as condominium associations, HOAs, and co-ops—especially those with shared amenities or unique exposures that may not qualify for standard markets. Is this program available for new construction or newer associations?Yes, we can consider new ventures and newly formed associations, subject to underwriting review. What states is this program available in?This program is available in CT, FL, IA, IL, IN, KS, KY, MI, MN, MO, NE, NJ, NY, PA, VT, and WI. Are properties with prior losses eligible for this program?Yes, prior losses do not automatically disqualify an account. Each submission is reviewed individually by our underwriters. What is the minimum premium for this program?Minimum premiums vary depending on the specific risk and coverage needs. Contact our underwriting team for a quote. Need help placing an account? Connect with a market specialist.

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.

Advanced E&S is a Managing General Agency and Surplus Line Brokers. We are able to underwrite many different commercial classes for property and casualty insurance in the Midwest states (either by package or monoline product). Restaurants Insurance Coverages: Assault & Battery Boiler & Machinery Business Income Business Interruption Care/Custody/Control CGL Crime Equipment Breakdown Fine Arts Fire Food Spoilage GL Glass Inland Marine Legal Liab Liability Liquor Liab Nonowned & Hired Auto Personal Property Products Liab Property Real & Business Personal Prop Spoilage Theft Umbrella Overview of Advanced E&S Group — Restaurants Insurance Advanced E&S Group - Midwest Region offers a restaurants insurance program designed for independent agents and brokers placing commercial restaurant, bar, and foodservice risks. As a Managing General Agency and Excess & Surplus lines broker, Advanced E&S leverages a panel of specialty carriers to provide flexible property and casualty placements when admitted markets are limited or not available. Ideal Accounts and Appetite Independent full-service restaurants and casual dining locations Quick-service and fast-casual concepts Cafés, bakeries, caterers, and small commissaries Bars, taverns, and venues that serve alcohol (subject to underwriting) Small brewery taprooms, wine bars, and hybrid food/beverage operations Advanced E&S is well suited for accounts that need packaged property & liability programs or tailored monoline products (e.g., liquor liability, equipment breakdown, spoilage). While the program is focused on typical restaurant operations, higher-hazard accounts—such as large capacity nightclubs, properties with significant history of violent incidents, or operations with substantial pyrotechnics or manufacturing exposure—should be submitted for prior discussion with underwriters. Coverage Highlights and Advantages Comprehensive coverage options: property, general liability, liquor liability, equipment breakdown, crime, spoilage and food contamination, inland marine, and more. Ability to place both package and monoline solutions to address specific exposures (example: standalone liquor liability or equipment breakdown endorsements). Access to surplus lines capacity for accounts that exceed admitted market guidelines or require tailored terms. Policy features geared to restaurants: spoilage/food contamination limits, business income for closed-for-cleanup scenarios, and assault & battery coverage where appropriate. Umbrella and excess layers available through partner carriers to round out limits. Underwriting Notes and Minimum Premiums Underwriting focuses on loss history, alcohol exposure and controls, kitchen and fire protection systems, payroll and revenue mix, and any delivery/drive-through exposures. Exact terms and pricing depend on the account profile and selected markets. Minimum premium: Varies by state and carrier — please reference the underwriter for current minimums and program guidelines. Territories and Availability This restaurants insurance program is available across the following states: CT, FL, IA, IL, IN, KS, KY, MI, MN, MO, NE, NJ, NY, OH, PA, VA, WI. Placements are handled through surplus lines channels where appropriate; admitted options may not be available in every state. Why Work With Advanced E&S Group Specialized MGA/E&S broker expertise for restaurant and foodservice classes. Responsive underwriting and flexible forms to match operations from small cafés to busy neighborhood restaurants. Access to multiple surplus markets to place difficult or nonstandard risks. Agent-focused service: detailed submissions are reviewed promptly, and underwriters can provide guidance on risk improvements to improve terms. Example Scenarios You might have a single-location bistro with dine-in, takeout, and modest liquor sales that needs a packaged property/liability program with spoilage coverage and liquor liability. Advanced E&S can quote a tailored package. Or, you may represent a fast-casual chain with multiple locations that needs equipment breakdown and business income for a high-value kitchen—this program can place those monoline exposures through surplus markets when needed. Frequently Asked Questions What types of restaurant accounts does this program prefer?We prefer independent and small chain restaurants, quick-service and casual dining, cafés, bakeries, and bars with controlled alcohol exposure. Large nightclubs, venues with chronic violent loss history, or operations with unusual manufacturing exposures should be discussed with underwriters prior to submission. Are both package and monoline coverages available?Yes. Advanced E&S can provide packaged property & liability programs or individual monoline products such as liquor liability, equipment breakdown, spoilage, and inland marine depending on the account needs. Is this an admitted program?Advanced E&S operates as an MGA and surplus lines broker. Many placements are written through non-admitted (E&S) carriers. Availability of admitted options depends on state and carrier appetite. What information should I include in a submission?Provide a completed application, current loss runs (usually 3–5 years), revenue and payroll breakdown, details on alcohol sales and controls, description of kitchen equipment and suppression systems, and any prior risk-control measures. The underwriter can request additional items based on the account. Need help placing an account? Connect with a market specialist.

Advanced E&S is a Managing General Agency and Surplus Line Broker with deep expertise in placing property and casualty coverage for a wide range of commercial risks across the Midwest. Our Laundries/Coin Laundry Insurance Program is designed to support independent agents and brokers looking to place hard-to-cover or specialized laundry operations, including self-service laundromats, coin-operated laundry facilities, and full-service wash-and-fold businesses. Ideal Accounts and Appetite We target a broad range of laundry operations, including coin laundries, card-operated laundromats, and hybrid laundry businesses offering drop-off services. Whether your client is a single-location operator or owns multiple locations across different states, we can tailor a coverage solution to meet their needs. Facilities with older equipment, urban locations, or those with unique exposures (like unattended operations) may also be eligible. Coverage Highlights and Advantages Our program bundles essential coverages to help protect against common losses in the laundry industry, including fire, theft, and business interruption due to equipment failure or property damage. Key coverages include: Business Income and Business Interruption Commercial General Liability (CGL) Property and Real & Business Personal Property Crime and Theft Fire and Liability Coverage This flexible package can be underwritten as a monoline or bundled solution, depending on your insured’s specific needs and risk profile. Underwriting Notes and Minimum Premiums We work with a variety of E&S carriers to accommodate risks that may fall outside the standard admitted market. Minimum premiums vary depending on the size and complexity of the risk. Our underwriters are experienced in evaluating laundromat-specific exposures and can provide fast turnaround on submissions with complete information. Territories and Availability Our Laundries/Coin Laundry Insurance Program is available in the following states: IA, IL, IN, KS, KY, MI, MN, MO, NE, NJ, NY, OH, PA, VA, and WI. As a non-admitted solution, it is ideal for risks that do not qualify for standard lines due to location, claims history, or unique operations. Why Work With Advanced E&S At Advanced E&S, we specialize in helping agents find solutions for complex or underserved classes. We offer responsive service, broad market access, and a deep understanding of E&S underwriting. You can count on us to help you place laundromat risks that require tailored coverage and fast turnaround. Whether your client is opening a new location or needs coverage after non-renewal, we’re here to help you secure the right protection. Frequently Asked Questions What types of accounts are a good fit for this program?This program is ideal for coin laundries, self-service laundromats, wash-and-fold businesses, and multi-location operations—especially those with unique exposures or that have trouble finding coverage in the standard market. Is this program available on an admitted basis?No, this program is offered on a non-admitted basis through various E&S carriers. Which states is this program available in?The program is available in IA, IL, IN, KS, KY, MI, MN, MO, NE, NJ, NY, OH, PA, VA, and WI. What is the minimum premium for this program?Minimum premiums vary based on risk characteristics and coverage needs. Contact us with submission details for a quote. Can you write standalone property or liability coverage?Yes, we can underwrite monoline or package policies depending on what your client requires. Need help placing an account? Connect with a market specialist.

Advanced E&S Group is a trusted Managing General Agency and Surplus Lines Broker offering robust insurance solutions for shopping centers and strip malls. With a strong presence in the Midwest and surrounding states, our team specializes in placing both monoline and package commercial property and casualty coverages designed to meet the specific needs of retail property owners and managers. Ideal Accounts and Appetite Our Shopping Centers Insurance program is tailored for retail strip centers, lifestyle centers, neighborhood shopping plazas, and small to mid-sized commercial retail developments. We are a great fit for agents looking to place accounts that may have unique exposures or fall outside the appetite of standard markets. Whether your client owns a standalone strip mall or manages a regional shopping complex with multiple tenants, we can help you find the right solution. We are especially competitive on accounts with a mix of tenant types, including restaurants, salons, boutiques, medical offices, and service providers. Risks with prior claims or those needing flexible underwriting consideration are welcome for review. Coverage Highlights and Advantages Business Income Business Interruption Commercial General Liability (CGL) Fire Glass Coverage Property Insurance Theft Real & Business Personal Property Premises Liability These coverages are designed to protect against common exposures found in shopping centers, such as tenant-related property damage, slip-and-fall liability, loss of income due to fire or storm, and vandalism to exterior glass and signage. Underwriting Notes and Minimum Premiums We work with a variety of carriers to offer flexible underwriting options. Minimum premiums vary depending on the size, location, and risk characteristics of the property. Our non-admitted solutions provide access to markets that can handle complex or higher-risk exposures, often with faster turnaround than standard markets. Submissions with complete property details, tenant occupancy mix, and loss history will receive priority consideration. Territories and Availability Our Shopping Centers Insurance program is available in the following states: CT, FL, IA, IL, IN, KS, KY, MI, MN, MO, NE, OH, and WI. We focus on supporting agents across these regions with responsive service and underwriting flexibility. Why Work With Advanced E&S Group? As an experienced General Agency and Surplus Lines Broker, Advanced E&S Group offers agents access to competitive, tailored insurance solutions for retail real estate risks. Our underwriting team understands the unique exposures of shopping centers and works quickly to find the best fit for your client’s needs. Whether you’re placing a new strip mall development or need help with a non-standard risk, we’re here to support you with market access and customized service. Explore our full company profile here or visit the program page directly at Shopping Centers Insurance to get started. Frequently Asked Questions What types of accounts are a good fit for this program?This program is ideal for retail strip centers, small shopping plazas, and mixed-tenant commercial centers, especially those that may not qualify for standard markets. Is this program available in admitted markets?No, this program is offered on a non-admitted basis through various surplus lines carriers. What information is needed to submit an account?We recommend submitting complete property details, tenant mix, square footage, occupancy rate, and recent loss runs for the best turnaround. Are accounts with prior claims eligible?Yes, we will consider accounts with prior claims, depending on the nature and frequency of losses. What is the minimum premium for this program?Minimum premiums vary based on risk characteristics, but we offer flexible solutions that can accommodate a wide range of property sizes and exposures. Need help placing an account? Connect with a market specialist.

Advanced E&S Group – Midwest Region is a Managing General Agency and surplus lines broker providing specialized insurance solutions for retail storefront operations. With a strong presence across the Midwest and select East Coast states, we offer flexible underwriting and access to multiple surplus carriers for package and monoline property and casualty placements. The Retail Stores Insurance program is designed for independent agents and brokers who need competitive, non-admitted solutions for small and mid-sized retail clients. Ideal Accounts and Appetite: Small- to mid-sized retail operations with physical storefronts General merchandise, clothing boutiques, home goods, convenience stores, and specialty retailers Retailers needing flexible package or monoline options Accounts with unique exposures or risks that may not qualify for admitted markets Coverage Highlights and Advantages: Business Income and Business Interruption — protects revenue and helps cover ongoing expenses after a covered loss Commercial General Liability (CGL) — broad liability solutions for retail operations Fire and Theft coverage for buildings, fixtures, and inventory Glass coverage for storefronts and display cases Real and Business Personal Property protection Flexible property and liability limits to match account exposures Underwriting Notes and Minimum Premiums: Available as package or monoline placements depending on the account profile Minimum premiums vary by class, location, and selected limits — contact us for specific guidelines We partner with multiple surplus lines carriers to find capacity for harder-to-place risks Territories and Availability: This Retail Stores Insurance program is available in IA, IL, IN, KS, KY, MI, MN, MO, NE, NJ, NY, OH, PA, VA, and WI. All placements are non-admitted, enabling flexible terms for accounts that fall outside admitted market appetites. Why Work With Advanced E&S Group: As a general agency and E&S broker, Advanced E&S Group combines underwriting experience with broad market access to help you place retail accounts that may not fit standard carrier guidelines. We focus on practical, competitive solutions for small and mid-sized retailers and work with agents to structure coverage that matches each client’s exposures. Examples of accounts that fit this program: a neighborhood home décor store with seasonal inventory swings and heavy foot traffic; a specialty downtown shop with unique property exposures and a compact footprint. For both, we can help you assemble property, liability, and income protection that address day-to-day risks and potential business interruption. Frequently Asked Questions What types of accounts are a good fit for this program?Small- to mid-sized retail storefronts — for example, clothing boutiques, convenience stores, and specialty shops — are ideal. We’ll also consider accounts with unusual exposures or hard-to-place elements that outgrow admitted markets. Is this program admitted or non-admitted?This is a non-admitted (surplus lines) program. Using surplus carriers allows greater flexibility in underwriting and terms for nonstandard risks. What coverages are included in the Retail Stores Insurance program?The program can provide property, liability, business income and interruption, theft, fire, glass, and other retail-specific coverages. Options are available as package or monoline placements to fit the account. What is the minimum premium for this program?Minimum premiums vary by class, location, and chosen limits. Reach out with account details so we can provide specific pricing guidance. In which states is this program available?The 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.

...rocery stores (excluding large supermarkets) Service industries like janitor...