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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 Club Insurance program tailored for agents and brokers placing club and hospitality risks. With access to multiple carriers and streamlined underwriting, the program helps you quickly quote and bind coverage for small to mid-sized nightclubs, bars, private clubs, and similar venues.

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

Ideal Accounts and Appetite

Allstar targets a broad set of commercial risks that align with club operations and their common exposures, including:
  • Nightclubs and dance venues
  • Private and membership-only clubs
  • Bars and lounges (with or without entertainment)
  • Event venues and mixed-use hospitality spaces
Beyond traditional clubs, the program can accommodate select contractors, retail and wholesale tenants, habitational properties, offices, vacant buildings, and institutional facilities depending on the coverage line and risk characteristics.

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 where appropriate (subject to underwriting)
  • Optional enhancements such as 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 from $100K/$100K up to $1M/$2M
  • Available as monoline or part of a package
  • Assault & Battery coverage follows the general liability form
  • Offered in NC, SC, GA, TN, and VA
Umbrella Coverage
  • Limits up to $5 million
  • Minimum premium starting at $750
  • Available on both supported and unsupported bases
  • Underlying carrier requirements: A-VI or better for Auto/GL; B++ or better for Employers Liability
  • Required GL underlying limits typically $1M/$2M/$2M

Underwriting Notes and Minimum Premiums

Allstar focuses on flexible, efficient handling of small to mid-sized accounts. Minimum premiums vary by line and risk; casualty coverage minimums start around $500 and umbrella minimums around $750. Underwriters work with agents to determine eligibility, available enhancements, and any state-specific considerations.

Territories and Availability

The Club Insurance program is offered 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 placed non-admitted with carriers rated A- or better.

Why Work With Allstar Financial Group?

As a Managing General Underwriter and Excess & Surplus Lines Broker, Allstar combines underwriting expertise with broad market access. The Club Insurance program is backed by multiple carriers and built for quick quoting, flexible terms, and practical endorsements that meet common hospitality exposures.

You might have a client who runs a busy nightclub that needs liquor liability with assault & battery and an umbrella layer, or a private club seeking a packaged policy that includes property, general liability, and optional equipment breakdown. Allstar’s small business underwriting team is available to help structure terms and move business efficiently.

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.