Search CompleteMarkets

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, 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 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 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.

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.