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Allstar Financial Group
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Allstar Financial Group
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Club Insurance

Club Insurance

Allstar Financial Group, through its Allstar Underwriters division, offers a comprehensive Club Insurance program designed for agents and brokers seeking reliable coverage options for clubs and similar hospitality risks. With access to multiple carriers and a streamlined underwriting process, this program helps you quickly quote and bind coverage for your small business clients in the club and entertainment sector.

Whether your insured operates a nightclub, bar, social club, or private venue, Allstar’s Club Insurance program includes a full range of coverages to address property, casualty, liquor liability, and umbrella exposures. This program is available in AL, GA, LA, MS, NC, SC, TN, and VA, with most coverages offered on a non-admitted basis.

Ideal Accounts and Appetite

Allstar targets a wide variety of commercial risks that align with club-related operations and their associated exposures. This includes but is not limited to:
  • Nightclubs and dance venues
  • Private and membership-only clubs
  • Bars and lounges with or without entertainment
  • Event venues and mixed-use hospitality spaces
In addition to clubs, the program is also suitable for risk types such as contractors, retail and wholesale establishments, habitational properties, offices, vacant buildings, and institutional facilities—depending on the coverage line.

Coverage Highlights and Advantages

Property Coverage
  • Total Insured Value (TIV) up to $5 million per location
  • Available as monoline or packaged coverage
  • No coinsurance options (subject to risk type)
  • Optional enhancements, including equipment breakdown
Casualty Coverage
  • Monoline or packaged options
  • Minimum premium starting at $500
  • Primary limits up to $5 million per occurrence/aggregate
  • Project-specific policies available
  • Coverage for uninsured subcontractors
  • Optional enhancements include:
    • Blanket Additional Insureds
    • Waiver of Subrogation
    • Primary & Non-Contributory wording
    • Per Project/Per Location Aggregate
    • Hired & Non-Owned Auto (for certain classes)
    • Miscellaneous Professional (for certain classes)
Liquor Liability
  • Limits ranging from $100K/$100K up to $1M/$2M
  • Available monoline or as part of a package
  • Assault & Battery coverage follows the general liability form
  • Available in NC, SC, GA, TN, VA
Umbrella Coverage
  • Limits up to $5 million
  • Minimum premium starts at $750
  • Available on both supported and unsupported bases
  • Underlying carrier must be rated A-VI or better (Auto/GL); B++ or better for Employers Liability
  • GL underlying limits must be $1M/$2M/$2M

Underwriting Notes and Minimum Premiums

Allstar aims to offer flexibility and quick turnaround on small to mid-sized accounts. Minimum premiums vary by coverage line and risk type, starting as low as $500 for casualty coverage and $750 for umbrella policies. The underwriting team can assist you with eligibility questions and help tailor quotes to meet your client's needs.

Territories and Availability

The Club Insurance program is available in the following states:
  • Alabama (AL)
  • Georgia (GA)
  • Louisiana (LA)
  • Mississippi (MS)
  • North Carolina (NC)
  • South Carolina (SC)
  • Tennessee (TN)
  • Virginia (VA)
Most coverages are written on a non-admitted basis using carriers rated A- or better.

Why Work With Allstar Financial Group?

As a Managing General Underwriter and Excess & Surplus Lines Broker, Allstar Financial Group combines market access with expert underwriting support. Their Club Insurance program is backed by multiple carriers and designed to meet the specific needs of hospitality and club-related businesses. With a dedicated small business division, Allstar makes it easy for agents to quote, bind, and service accounts quickly and efficiently.

You might have a client operating a busy nightclub that needs liquor liability with assault and battery coverage, or a private club looking for a package policy including property, general liability, and umbrella. Allstar’s underwriting team is ready to help you find the right fit and close the deal with confidence.

Frequently Asked Questions

What types of accounts are a good fit for the Club Insurance program?

This program is ideal for nightclubs, bars, private clubs, lounges, and similar hospitality venues. It also accommodates a variety of other commercial risks depending on the coverage line.

Is liquor liability coverage available in all states?

No, liquor liability coverage is currently offered in NC, SC, GA, TN, and VA.

Can I submit monoline policies or do they have to be packaged?

Monoline or package policies are both acceptable, depending on the coverage type and risk characteristics.

What is the minimum premium for this program?

Minimum premiums start at $500 for casualty coverage and $750 for umbrella coverage. Other lines may vary based on risk and coverage needs.

How quickly can I get a quote?

Allstar’s small business division is designed to provide fast turnaround times. Contact an underwriter for specific processing timelines.

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.