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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 Group - Midwest Region is a trusted Managing General Agency and Surplus Line Broker specializing in providing tailored property and casualty insurance solutions for a wide variety of commercial classes. With broad underwriting capabilities and access to multiple surplus lines carriers, we help independent agents and brokers secure coverage for hard-to-place or specialized risks across the Midwest and beyond. Liquor Stores Insurance Program Overview: Our Liquor Stores Insurance program is designed to meet the unique risks and challenges faced by liquor retailers. Whether you're working with a standalone neighborhood bottle shop or a larger multi-location store, we can help you place coverage that addresses key exposures associated with selling alcohol and managing high-value inventory. Ideal Accounts and Appetite: Retail liquor stores with or without tasting areas High-volume or high-value inventory operations Locations with prior claims history that need surplus lines solutions Independent or franchise-operated stores Coverage Highlights and Advantages: Commercial General Liability (CGL) Liquor Liability – essential for alcohol sales Business Income and Business Interruption Property Coverage including Fire, Theft, and Glass Real and Business Personal Property protection Our program is available as a package or monoline solution, allowing for flexibility depending on your client's needs. We understand the nuanced liability risks liquor store owners face, and our coverage is designed to respond accordingly. Underwriting Notes and Minimum Premiums: Minimum premiums vary depending on the size, location, and risk characteristics of the account. We offer flexible underwriting for qualified risks and can often accommodate accounts that may not qualify for standard markets due to claims history, building age, or liquor sales percentages. 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 placements are written on a non-admitted basis through various surplus lines carriers. Why Work With Advanced E&S Group - Midwest Region: We bring deep expertise in underwriting liquor-related risks and have a strong understanding of the challenges agents face when placing these accounts. With access to multiple E&S carriers and a commitment to responsive service, Advanced E&S helps you provide your clients with competitive solutions, even for tough-to-place risks.You might have a client with a small urban liquor store that recently experienced a theft or fire loss—our program could be the right fit. Or perhaps a new owner is opening a store in a location where standard markets hesitate due to high liquor sales exposure—we can help place that risk effectively. Frequently Asked Questions What types of liquor store businesses are eligible for this program?We can consider standalone liquor stores, multi-location retailers, and stores with tasting areas. Accounts with prior claims or those needing surplus lines solutions are welcome. Is liquor liability included in this program?Yes, liquor liability is a key component of the program and can be included for eligible risks. Can I write monoline coverage or only package policies?Both options are available. We can write coverage as a package or on a monoline basis, depending on your client’s needs. What territories 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 the risk profile, location, and coverage needed. Contact us for underwriting review and pricing guidance. 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 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.

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 – 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.

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 specializing in commercial property and casualty insurance solutions for small to mid-sized businesses. With access to a wide range of carriers, we offer flexible underwriting and placement options tailored to the unique needs of your clients throughout the Midwest and select East Coast states. Our Small to Mid-Sized Businesses Insurance program is designed to help independent agents place accounts that may not qualify for standard markets due to size, risk profile, or industry class. Whether your client is expanding, entering a new market, or has unique exposures, we can help you find the right coverage solutions through our non-admitted channels. Target Classes and Ideal Accounts Retail storefronts Office occupancies Light manufacturing Small contractors Service businesses Lessor’s risk only (LRO) Coverage Highlights: Business Income Business Interruption Commercial General Liability (CGL) Fire and Property Coverage Glass and Theft Real & Business Personal Property Why Work With Advanced E&S Group? Experienced underwriters who understand small commercial risks Access to a variety of non-admitted markets Quick turnarounds and responsive service Flexible solutions for hard-to-place or distressed risks Underwriting and Premium Notes: Minimum premiums vary depending on risk characteristics, location, and coverage needs. We evaluate each submission independently to provide the best available terms. Territorial Availability: This program is available in IA, IL, IN, KS, KY, MI, MN, MO, NE, NJ, NY, OH, PA, VA, and WI. All placements are written on a non-admitted basis through various carriers. Example Accounts: You might have a small retail client with a standalone building and past claims history that doesn’t qualify for standard markets—our team can help find a solution. Or perhaps you’re working with a light manufacturer expanding into a new facility—we can help secure property and liability coverage adapted to the new exposures. Frequently Asked Questions What types of accounts are a good fit for this program?We focus on small to mid-sized commercial businesses such as retail shops, office risks, light manufacturing, contractors, and service providers that may not qualify for standard markets. Is this program admitted or non-admitted?This program is written on a non-admitted basis through various surplus lines carriers. 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. Are monoline and package policies both available?Yes, we can accommodate both monoline and package policies depending on the client's needs and risk profile. What is the minimum premium for this program?Minimum premiums vary based on the specific risk and coverage needs. Contact us with your client's details for a quote. Need help placing an account? Connect with a market specialist.