Ideal Accounts and Appetite
Allstar's Contractors Insurance program targets contractors and related occupancies in the Southeast. Ideal accounts include general contractors, specialty subcontractors with safe loss history, small owner-occupied habitational exposures, office and retail locations tied to construction operations, and short-term project policies. The program can handle accounts with moderate values up to $5M TIV per location and supports project-specific placements and additional insured/waiver of subrogation requests.
Not a good fit: high-hazard trades with poor loss history, large coastal wind exposures beyond guideline limits, or accounts requiring admitted paper outside the program's territory or appetite.
Underwriting Notes and Minimum Premiums
Underwriting favors accounts with documented safety programs, stable loss runs, and clear subcontractor controls. Minimum premiums vary by line: casualty placements generally start around $500, and umbrella placements typically start around $750. Equipment breakdown and other property enhancements are available and priced case-by-case. Project policies and per-project aggregates are supported — provide scope, contract language, and certificate requirements at submission.
Territories and Availability
This program is available through Allstar Financial Group as a Managing General Underwriter and Excess & Surplus Lines broker in the following states: AL, GA, LA, MS, NC, SC, TN, and VA. Coverage availability and admitted vs. non-admitted placement will depend on the specific state and carrier options; discuss state-specific placement with underwriting when you submit.
Why Work With Allstar Financial Group
- Specialized small business solutions team that expedites quoting and binding for contractors.
- Flexible package and monoline options with common endorsements for construction needs.
- Access to multiple carrier markets for admitted and E&S placements within the program territory.
- Underwriters available to review project language, additional insured requests, and complex submissions.
Submission Tips
To speed placement, include: completed application, current loss runs (5 years preferred), detailed schedule of operations, payroll and revenue breakdown by class, information on subcontractor controls, and contract wording when additional insured or waiver of subrogation is required.
Frequently Asked Questions
What types of contractor accounts fit this program?
Smaller to mid-sized general contractors and specialty trades with moderate exposures, documented safety programs, and acceptable loss histories. The program also supports owner-occupied habitational and project-specific policies when within stated limits.
Which states does Allstar Financial Group write this program in?
This Contractors Insurance program is available in AL, GA, LA, MS, NC, SC, TN, and VA. State availability and whether coverage is admitted or non-admitted depend on the carrier options for each risk.
What are the minimum premiums and common limits?
Minimum premiums vary by line: casualty placements generally start around $500 and umbrella placements around $750. Primary casualty limits up to $5M are available, and umbrella limits up to $5M are supported.
Can you write project-specific policies and provide additional insured or waiver wording?
Yes. Project-specific policies are available and the program offers common endorsements such as blanket additional insured, waiver of subrogation, and primary/non-contributory wording where allowable by underwriting.
What documentation speeds underwriting?
Provide a completed application, current loss runs (preferably five years), payroll and revenue detail by class, subcontractor controls, and any contract or certificate language that may affect coverage. This information helps underwriters evaluate and bind faster.
Need help placing an account? Connect with a market specialist.