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Allstar Financial Group
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Allstar Financial Group
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Construction Insurance

Construction Insurance

Allstar Underwriters, a division of Allstar Financial Group, offers a specialized Construction Insurance program designed to help agents place business with a wide range of construction-related risks. As a Managing General Underwriter and Excess & Surplus Lines Broker, Allstar provides flexible underwriting options and responsive service tailored to the needs of contractors and related industries. Our Small Business Solutions division streamlines the quoting and binding process, making it fast and efficient for agents to secure coverage for their clients. Whether your insured is a general contractor, a subcontractor, or operates in associated fields like retail buildouts or tenant improvements, we offer scalable solutions to meet their risk profiles.

Ideal Accounts and Appetite

This program is well-suited for a variety of construction and real estate-related risks, including:
  • Contractors (general and trade-specific)
  • Habitational properties
  • Office buildings
  • Vacant properties
  • Retail and wholesale spaces
  • Institutional facilities
You might have a client who operates a small general contracting firm with occasional use of uninsured subcontractors—this program can offer the flexibility and coverage enhancements to help manage their liability exposures.

Coverage Highlights and Advantages

Casualty Coverage:
  • Available as monoline or part of a package
  • Minimum premium starting at $500
  • Primary liability limits up to $5 million per occurrence/$5 million aggregate
  • Project-specific policies available
  • Coverage available for accounts with uninsured subcontractors
  • Optional enhancements, including:
  • Blanket Additional Insured
  • Waiver of Subrogation
  • Primary & Non-Contributory wording
  • Per Project/Per Location Aggregate Limits
  • Hired & Non-Owned Auto (certain classes)
  • Miscellaneous Professional Liability (certain classes)
Umbrella Coverage:
  • Limits available up to $5 million
  • Minimum premium starting at $750
  • Supported or unsupported options

Underwriting Notes and Minimum Premiums

Allstar works with multiple carriers and can access both admitted and non-admitted markets, depending on the risk and state. Minimum premiums vary by type of coverage and account profile, but start as low as $500 for casualty and $750 for umbrella. Underlying carrier requirements include:
  • Auto or GL carriers rated A-VI or better by AM Best
  • Employers Liability carriers rated B++ or better
  • Standard GL requirements: $1M/$2M/$2M

Territories and Availability

This program is available in most states, with a strong presence in the Southeast. States currently targeted include: AL, GA, LA, MS, NC, SC, TN, and VA.

Why Work With Allstar Financial Group

Allstar Financial Group brings deep expertise in construction-related insurance and offers agents a streamlined way to place challenging or niche accounts. With access to multiple carriers and a dedicated underwriting team, Allstar provides responsive service, competitive pricing, and flexible options that help you serve your clients more effectively. Whether you're placing a ground-up construction project, a rehab of a vacant property, or a contractor with complex subcontractor exposures, Allstar is a reliable partner for construction insurance solutions.

Frequently Asked Questions

What types of construction risks are eligible for this program?

The program targets contractors, habitational risks, offices, vacant buildings, retail/wholesale spaces, and institutional properties.

Can I place accounts with uninsured subcontractors?

Yes, the program accepts certain risks with uninsured subcontractors and offers optional coverage enhancements to address this exposure.

Are project-specific policies available?

Yes, project-specific general liability policies are available as part of the construction insurance offerings.

What is the minimum premium for coverage?

Casualty coverage starts at a minimum premium of $500, while umbrella coverage starts at $750. Actual premiums may vary based on the account.

Which states is this program available in?

The program is available in AL, GA, LA, MS, NC, SC, TN, and VA, with broad access in most other states.

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.