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https://completemarkets.com/company/pmcinsurance/retail-workers-compensation-insurance/
... Stores Grocery Stores & Supermarkets Convenience Stores Furniture S...esses, including clothing stores, supermarkets, hardware shops, and even start...

https://completemarkets.com/company/advancede-s/convenience-stores-insurance/
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.

https://completemarkets.com/company/advancede-s/condo-homeowner-associations-insurance/
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.

https://completemarkets.com/company/empirebrokerage/Food-Service-Insurance-/
...keries Grocery stores, small supermarkets, and catering firms Alcohol-serv...

https://completemarkets.com/company/advancede-s/apartment-building-owners-insurance/
Advanced E&S Group is a trusted Managing General Agency and Surplus Lines broker with a strong presence across the Midwest. We underwrite a wide array of commercial property and casualty risks and offer both package and monoline products. Our Apartment Building Owners Insurance program is built specifically for residential property owners and managers who need comprehensive protection for buildings, business operations, and liability exposures. Ideal Accounts and Appetite This program is designed for independent agents and brokers placing business for small- to mid-size apartment buildings, multi-family dwellings, and residential rental portfolios. We can tailor solutions for a single low-rise garden-style complex, a mid-rise apartment building, or a small portfolio of rental properties. We prefer accounts with stable tenancy, documented maintenance programs, and updated building systems. Older construction can be considered when renovations or system upgrades are well documented. Owner-occupied buildings, student housing, and subsidized housing are evaluated on a case-by-case basis based on location and specific risk characteristics. Coverage Highlights and Advantages Apartment House Package – Bundled property and liability coverage tailored for apartment owners Boiler & Machinery – Coverage for mechanical systems and equipment breakdowns Business Income – Reimbursement for lost rental income following a covered loss CGL & Excess Liability – Primary and excess liability options to protect against third-party claims Fire – Core protection for fire-related losses General Liability (GL) – Premises liability for bodily injury and property damage Property – Building, structural components, and contents coverage Real & Business Personal Property – Coverage for physical structures and business-related contents Theft – Protection for losses due to theft or vandalism Umbrella – Additional liability limits to supplement underlying policies Underwriting Notes and Minimum Premiums This program is placed on a non-admitted basis, which provides flexibility for unique or hard-to-place risks and enables customized forms and limits. Minimum premiums vary by state, construction type, occupancy, and chosen limits. We work directly with agents to define appropriate coverage, limits, and pricing for each account. Territories and Availability The Apartment Building Owners Insurance program is available in: CT, FL, IA, IL, IN, KS, KY, MI, MN, MO, NE, NJ, NY, OH, PA, VA, and WI. We understand regional exposures in these states and access multiple surplus lines carriers to place business where admitted markets may be limited. Why Work With Advanced E&S Group? Advanced E&S Group combines deep underwriting expertise with broad market access to help agents place complex or non-standard apartment risks. Our team focuses on responsive service, practical underwriting, and flexible program design so you can secure competitive coverage for challenging accounts. Example scenarios you can place through this program: A 12-unit brick apartment building in Illinois with recent plumbing and electrical upgrades and a clean loss history — candidate for a bundled apartment house package with business income and boiler coverage. A small portfolio of mid-rise rental properties in Ohio where one building has older construction but documented renovations — eligible for placement after review of loss control measures and occupancy information. Frequently Asked Questions What types of accounts are a good fit for this program?We target small- to mid-size apartment buildings, multi-family dwellings, and residential rental portfolios—especially those with stable tenancy and documented maintenance. Is this program available on an admitted basis?No. This program is written on a non-admitted basis to allow for underwriting flexibility and tailored coverage options. What coverage options are included in the apartment package?Common inclusions are property, general liability, business income, boiler & machinery, theft, umbrella, and excess liability, depending on the account. Which states is this program offered in?This program is available in CT, FL, 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 according to size, location, construction, and coverage needs. Contact our underwriting team for guidance on specific accounts. Need help placing an account? Connect with a market specialist.

https://completemarkets.com/company/advancede-s/bars-taverns-insurance/
Advanced E&S is a Midwest Managing General Agency and surplus lines broker providing access to a broad range of commercial property and casualty insurance products, including dedicated coverage for bars and taverns. Our Bars/Taverns Insurance program helps independent agents place hard-to-write hospitality risks by offering flexible solutions tailored to the unique exposures of nightlife and food-and-beverage operations. Overview of the Bars/Taverns Insurance Program Built for establishments that serve alcohol and face elevated liability exposures, our Bars/Taverns Insurance program supports a variety of hospitality operations. From neighborhood pubs and sports bars to busy taverns and nightlife venues with occasional entertainment, Advanced E&S works with agents to secure non-admitted placements through our network of surplus lines carriers. Whether your client is a new operator or an established location, we help find tailored coverages that address day-to-day operations and higher-risk scenarios. Ideal Accounts and Appetite We are actively writing accounts in the following categories: Bars, taverns, and lounges Nightclubs with limited entertainment or small dance areas Sports bars and pubs that serve food and alcohol Establishments with incidental live music, DJs, or low-key entertainment We are less competitive for risks that include extensive adult entertainment, 24-hour operations, aggressive crowd profiles, or venues with repeated, significant liquor-related losses. If you’re unsure about a particular account, our underwriting team can advise on fit and submission requirements. Coverage Highlights and Advantages We offer both package and monoline options with access to a broad set of coverages commonly needed by bars and taverns: Assault & Battery Liquor Liability Commercial General Liability (CGL) Property — Fire and Real & Business Personal Property Business Income & Business Interruption Crime and Theft Equipment Breakdown / Boiler & Machinery Spoilage Excess Liability and Umbrella Our access to multiple surplus lines carriers and flexible program structures allows us to address common exposures — property damage, liquor-related incidents, assault & battery — as well as operational threats like equipment failure that can interrupt business. Underwriting Notes and Minimum Premiums Minimum premiums vary by account size, location, and exposure. We prioritize submissions that include a completed application, current loss runs, and clear operational details (hours, staffing, security protocols, entertainment schedule). Providing this information up front speeds underwriting and improves placement outcomes. Territories and Availability This program is available in the following Midwest states: Iowa, Illinois, Indiana, Kansas, Kentucky, Michigan, Minnesota, Missouri, Nebraska, Ohio, and Wisconsin. All placements are written on a non-admitted basis through various surplus lines carriers. Why Work With Advanced E&S? Advanced E&S combines hospitality-focused underwriting experience with broad surplus lines carrier access. As a wholesale partner, we help independent agents place challenging bar and tavern accounts that may not fit admitted markets. Our underwriters take a pragmatic approach to risk, balancing targeted coverage with practical underwriting terms to help you secure placements for complex or high-exposure operations. Frequently Asked Questions What types of accounts are a good fit for this Bars/Taverns program?We’re a strong market for bars, taverns, pubs, lounges, and sports bars—especially those with liquor sales and incidental entertainment such as pool tables, jukeboxes, or live music. Do you offer Assault & Battery and Liquor Liability coverage?Yes. Both Assault & Battery and Liquor Liability are available and are often essential for these risks. Is this program available on an admitted basis?No. Coverage is placed on a non-admitted basis through various surplus lines carriers. In which states can I write business through this program?The program is available in IA, IL, IN, KS, KY, MI, MN, MO, NE, OH, and WI. What information is needed to submit a risk?Submit a completed application, current loss runs, and details about operations — hours, security measures, staffing, entertainment, and any alcohol service practices. Need help placing an account? Connect with a market specialist.

https://completemarkets.com/company/advancede-s/fast-food-restaurants-insurance/
Advanced E&S Group is a trusted Managing General Agency and Surplus Lines Broker serving the Midwest region. We specialize in underwriting a wide range of commercial classes for property and casualty insurance, offering both package and monoline options. Our Fast Food Restaurants Insurance program is designed specifically to meet the unique risks faced by fast food operators and quick-service restaurants across our serviced territories. Ideal Accounts and Appetite This program is a strong fit for independent insurance agents seeking a reliable market for fast food establishments, including national franchises, regional chains, and independent quick-service restaurants. We’re able to accommodate a variety of food operations, whether dine-in, takeout, or drive-thru focused. Examples of ideal risks include: A regional chain of burger or sandwich shops with multiple locations in the Midwest An independent pizza restaurant offering delivery and takeout services A franchise fast food location needing coverage for property, liability, and business interruption Coverage Highlights and Advantages Our Fast Food Restaurants Insurance program offers broad coverage options tailored to the exposures faced by fast food operators. Available coverages include: Business Income and Business Interruption Commercial General Liability (CGL / GL) Property and Real & Business Personal Property Food Spoilage and Theft Glass Breakage and Fire Crime and Personal Property These coverages help protect your clients from common risks such as equipment breakdown, loss of food inventory, property damage, and liability claims from customers or employees. Underwriting Notes and Minimum Premiums We work with a variety of carriers on a non-admitted basis to provide flexible solutions for a wide range of fast food businesses. Minimum premiums vary depending on risk characteristics and coverage needs. Our underwriting team evaluates each submission on its own merits, allowing us to consider both standard and more complex accounts. Territories and Availability This program is available in the following states: IA, IL, IN, KS, KY, MI, MN, MO, NE, NJ, NY, OH, PA, VT, and WI. We focus on serving agents across the Midwest and selected Northeastern states, helping you find solutions for your fast food clients regardless of location within our footprint. Why Work With Advanced E&S Group? With extensive experience in commercial insurance and access to a wide range of carriers, Advanced E&S Group provides agents with the tools and expertise to place fast food restaurant business efficiently. Our underwriting flexibility, responsive service, and knowledge of the restaurant industry make us a dependable partner for your hard-to-place or niche accounts. Frequently Asked Questions What types of accounts are a good fit for this program?Fast food restaurants of all sizes, including franchises, regional chains, and independent operators that offer dine-in, takeout, or delivery services. Is this program written on admitted or non-admitted paper?This program is written on a non-admitted basis through various 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, VT, and WI. What coverages are included in the Fast Food Restaurants Insurance program?Coverages include Business Income, General Liability, Property, Food Spoilage, Crime, Theft, Glass, and more. Is there a minimum premium requirement?Minimum premiums vary based on the specific risk and coverage needs. Contact underwriting for details. Need help placing an account? Connect with a market specialist.

https://completemarkets.com/company/advancede-s/laundries-coin-laundry-insurance/
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.

https://completemarkets.com/company/advancede-s/contractors-artisan-insurance/
Advanced E&S Group – Midwest Region is a Managing General Agency and surplus lines broker that offers specialized Contractors-Artisan Insurance solutions. With broad market access and experienced underwriting for contractor classes, we help agents place hard-to-fit and unique contractor risks across the Midwest. Whether your client is a solo artisan or a larger contractor with multiple jobsite exposures, we can tailor a package or monoline program to match exposure and budget needs. Ideal Accounts and Appetite We focus on artisan and general contractor classes commonly found in residential, commercial, and light industrial work. Typical accounts include: Carpenters and framing contractors Electricians, plumbers, and HVAC technicians Masonry, drywall, and painting contractors Excavation and grading contractors Roofers and siding installers (subject to underwriting review) We also consider new ventures and contractors with prior loss history; each submission is evaluated on its own merits. High-hazard trades or accounts with recent large losses may require additional information or be declined depending on carrier appetite. Coverage Highlights and Advantages Our Contractors-Artisan Insurance program provides flexible, modular coverage to help your contractor clients manage operational risk and satisfy contract requirements. Available coverages include: General Liability (GL / CGL) Business Income Contractors Equipment Inland Marine Products Liability Owners & Contractors Protective (OCP) Personal Property / Business Personal Property Theft Umbrella / Excess Liability This program is designed to consolidate common contractor exposures in one solution — third-party liability, equipment loss, property damage, and product exposures. For example, you might place a small HVAC contractor with multiple service vans and portable tools on a package that includes GL, inland marine for tools, and business income for a shop loss. Underwriting Notes and Minimum Premiums Policies are written on a non-admitted basis through a range of surplus lines carriers. Terms and pricing depend on class, payroll, revenues, equipment values, and loss history. Minimum premiums vary by carrier and risk profile; submit a complete application and loss runs (if applicable) for the fastest turnaround. Our underwriting team works directly with agents to structure limits and endorsements that balance cost and coverage. Territories and Availability Advanced E&S offers this Contractors-Artisan program across the following Midwest states: IA, IL, IN, KS, MI, MN, MO, NE, OH, and WI. We understand regional contracting practices and can help place accounts that do work across state lines within these territories. Why Work With Advanced E&S Group? As a specialized MGA and surplus lines broker, Advanced E&S brings deep knowledge of contractor classes and niche risk placement. Our strengths for agents include: Access to multiple E&S markets for hard-to-place contractor risks Regional underwriting expertise focused on Midwest contractor exposures Flexible package and monoline options to meet contract and lender requirements Responsive service and direct underwriting support to speed placements If you have an account that needs a surplus lines solution or limits beyond admitted capacity, Advanced E&S can help source carriers and tailor terms. Submit complete applications and supporting loss history to engage our underwriting team quickly. Frequently Asked Questions What types of contractor risks are best suited for this program?This program targets artisan and general contractors such as electricians, plumbers, HVAC technicians, painters, and carpenters. Roofers and excavation contractors may be considered but typically require additional underwriting review. Can new ventures or contractors with prior losses be considered?Yes. We will consider new ventures and applicants with prior losses on a case-by-case basis. Provide complete details and loss runs so underwriters can assess eligibility and pricing. Is this program available on an admitted basis?No. Coverage is placed on a non-admitted basis through various surplus lines carriers. What information is needed to get a quote?Submit a completed application, current loss runs (if any), and information on operations, payroll, subcontractor usage, and equipment values. The more complete the submission, the faster we can respond. In which states is this program offered?This program is available in IA, IL, IN, KS, MI, MN, MO, NE, OH, and WI. Need help placing an account? Connect with a market specialist.

https://completemarkets.com/company/advancede-s/retail-stores-insurance/
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.