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Allstar Financial Group
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Allstar Financial Group
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Artisan Contractors Insurance

Artisan Contractors Insurance

Allstar Financial Group’s Artisan Contractors Insurance program, offered through Allstar Underwriters, is designed for independent agents and brokers seeking comprehensive and flexible coverage options for small to mid-sized artisan contractor clients. With access to multiple carriers and tailored underwriting expertise, we make it seamless to quote, bind, and service policies across a broad range of trades and project types.

Ideal Accounts and Appetite

Our program is an excellent fit for general and specialty artisan contractors involved in residential, commercial, or mixed-use projects. We welcome accounts such as:
  • Electrical, plumbing, and HVAC contractors
  • Carpenters, drywall installers, and painters
  • Masonry, roofing, and flooring professionals
  • Remodelers and small general contractors
We also consider risks related to habitational, office, retail, institutional, wholesale, and vacant property exposures.

Uninsured subcontractors can be considered, and policies can be tailored for project-specific needs. This program is designed for agents with clients who need a responsive market for both straightforward and more nuanced construction risks.

Coverage Highlights and Advantages

Casualty Coverage:
  • Available as monoline or package policies
  • Minimum premiums starting at $500
  • Primary limits available up to $5M/$5M
  • Project-specific policies available
  • Optional coverage enhancements including:
    • Blanket Additional Insured
    • Waiver of Subrogation
    • Primary and Non-Contributory wording
    • Per Project/Per Location Aggregates
    • Hired & Non-Owned Auto (select classes)
    • Misc. Professional Liability (select classes)

Umbrella Coverage:
  • Limits up to $5 million
  • Minimum premiums starting at $750
  • Available on a supported or unsupported basis
Umbrella policies require underlying carriers with AM Best ratings of A-VI or better for Auto/GL and B++ or better for Employers Liability. GL limits of $1M/$2M/$2M are required.

Underwriting Highlights and Minimum Premiums

Our underwriting team focuses on responsiveness and flexibility. Minimum premiums vary by class and coverage, starting at $500 for casualty and $750 for umbrella. We work with agents to find the right structure for each account, whether it’s a standalone policy or a complete package.

Example: You might have a contractor client specializing in residential remodeling who uses a few uninsured subcontractors. Our program can accommodate this setup while offering the coverage enhancements needed to satisfy project owner requirements.

Territories and Market Availability

This program is available in most states, with a focus on AL, GA, LA, MS, NC, SC, TN, and VA. We operate on a non-admitted basis, giving us the flexibility to tailor solutions outside the standard market.

Why Work With Allstar Financial Group?

Allstar Financial Group is a trusted Managing General Underwriter and E&S Broker with deep experience in contractor risk placement. Our small business solutions division is built to support independent agents with fast quoting, knowledgeable underwriters, and access to multiple quality carriers. Whether you're working on a single artisan policy or a bundled package for a growing contractor, we streamline the process and help you deliver value to your clients.

Frequently Asked Questions

What types of accounts are a good fit for this program?

This program is ideal for small to mid-sized artisan contractors, including electricians, plumbers, HVAC techs, painters, roofers, and general remodelers.

Can the program accommodate uninsured subcontractors?

Yes, accounts with uninsured subcontractors can be considered based on underwriting review.

Is this coverage available on an admitted basis?

No, most coverage is placed on a non-admitted basis to provide greater flexibility in terms and structure.

In which states is this program available?

The program is available in most states, with a core focus on AL, GA, LA, MS, NC, SC, TN, and VA.

Are project-specific policies available?

Yes, we offer project-specific policies and can tailor coverage to meet the needs of individual jobs or contracts.

Need help placing an account? Connect with a market specialist.

U.S. States Available

  • U.S. States Available:
  • Provider Type:
    Managing General Underwriter and Excess & Surplus Lines Broker
  • Admitted:
    Most Available States
  • Carriers:
  • Carrier Ratings:
    A
  • Commission:
    -
  • Min Premium:
    varies

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CONTACT INFORMATION

LOCATION

600 NC Hwy. 42 West
Clayton, NC 27520
877-950-3222
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Allstar Financial Group has other insurance programs like Apartment/Condo Insurance.