For insurance buyers, insurance agents and insurance wholesalers!For insurance buyers, insurance agents and insurance wholesalers!
Allstar Financial Group
Contact Us
contact_phone Click to call
Allstar Financial Group
Contact Us
contact_phone Click to call

General Contractor Insurance

General Contractor Insurance

Allstar Financial Group, through its Allstar Underwriters division, offers a flexible and competitive General Contractor Insurance program tailored for independent agents and brokers. Designed to meet the complex liability needs of general contractors, this program provides access to both casualty and umbrella coverages with customizable options for a variety of risk types.

Overview of the Program

Allstar’s General Contractor Insurance program is structured for agents seeking reliable solutions for small to mid-sized construction risks. Whether your client is a general contractor handling residential builds or a commercial contractor managing multi-unit projects, Allstar can offer tailored protection with the speed and service that agents value.

With the support of multiple carriers, the program is available in most states, including AL, GA, LA, MS, NC, SC, and VA. Allstar operates as a Managing General Underwriter (MGU) and Excess & Surplus Lines Broker, allowing for more flexible underwriting and broader coverage solutions than standard markets may provide.

Target Classes and Risk Appetite

This program is suited for a broad range of contractor-related risks, including:
  • General Contractors (residential and commercial)
  • Habitational risks (apartment buildings, condos)
  • Retail and Wholesale establishments
  • Office properties and institutional buildings
  • Vacant buildings (limited classes)
Example: You may have a client who manages a portfolio of small commercial renovations or another building mixed-use residential housing. Allstar’s program can accommodate these types of exposures with project-specific liability coverage and risk-specific underwriting.

Casualty Coverage Highlights

  • Available as monoline or as part of a package
  • Minimum premium starting at $500
  • Primary liability limits up to $5 million per occurrence/aggregate
  • Project-specific policies available
  • Options for uninsured subcontractors
  • Enhanced coverage endorsements available, such as:
    • Blanket Additional Insured
    • Waiver of Subrogation
    • Primary and Non-Contributory Wording
    • Per Project / Per Location Aggregate
    • Hired & Non-Owned Auto (select classes)
    • Miscellaneous Professional Liability (select classes)

Umbrella Coverage Highlights

  • Limits available up to $5 million
  • Minimum premium starting at $750
  • Supported and unsupported umbrellas available

Underlying Requirements:
  • AM Best rating of A-VI or better for Auto or General Liability
  • AM Best rating of B++ or better for Employer’s Liability
  • GL limits required: $1M / $2M / $2M

Underwriting and Submission Notes

Allstar’s team of experienced underwriters can quickly review and quote accounts through their Small Business Solutions division. Fast turnaround times and dedicated support make it easier to bind coverage for your construction clients. Minimum premiums vary by class and coverage type, with flexible options for project-specific needs.

States and Availability

This program is available in most states, with a strong presence in AL, GA, LA, MS, NC, SC, and VA. Offering both admitted and non-admitted options depending on the specific risk and location, Allstar can help agents navigate complex placements in both standard and surplus lines markets.

Why Work With Allstar Financial Group?

Allstar brings decades of underwriting expertise and a reputation for responsive service. With access to multiple markets and a focus on construction-related risks, they make it easier for agents to place challenging or unique general contractor accounts. Whether you’re dealing with new ventures, projects with subcontractor exposures, or accounts needing enhanced certificates, Allstar has the tools and knowledge to help you succeed.

Frequently Asked Questions

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

This program is ideal for residential and commercial general contractors, including those working on habitational, retail, institutional, and mixed-use properties.

Are project-specific policies available?

Yes, Allstar offers project-specific policies to help tailor coverage to individual construction projects.

What is the minimum premium for coverage?

Casualty coverage starts at a minimum premium of $500, and umbrella coverage starts at $750. Premiums may vary depending on the class and scope of the risk.

Is coverage available for uninsured subcontractors?

Yes, the program includes options to cover exposures related to uninsured subcontractors, subject to underwriting approval.

In which states is this program available?

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

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

Browse

Request a Quote Now!

CONTACT INFORMATION

LOCATION

600 NC Hwy. 42 West
Clayton, NC 27520
877-950-3222
View Map
CompleteMarkets is The Insurance Industry's Professional Network
Please Register for FREE or Sign In to contact
Not an Insurance Agent? No problem, we help hundreds of people find the right agent/advisor every day!
Visit our dedicated Insurance Consumer section and we will recommend the right agent for your specific needs.
Allstar Financial Group has other insurance programs like Apartment/Condo Insurance.