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Allstar Financial Group
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Allstar Financial Group
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General Contractor Insurance

General Contractor Insurance

Allstar Financial Group, through its Allstar Underwriters division, provides a flexible and competitive General Contractor Insurance program tailored for independent agents and brokers. Built to address the complex liability exposures of general contractors, the program gives agents access to casualty and umbrella solutions with customizable endorsements and project-specific wording when needed.

Overview of the Program

Allstar’s General Contractor Insurance program is designed for agents placing small- to mid-sized construction risks. Whether the insured manages residential single-family projects, multi-unit habitational work, or light commercial renovation, Allstar offers market access, flexible underwriting, and the policy forms often required by project owners and GC clients.

Operating as a Managing General Underwriter (MGU) and an Excess & Surplus Lines broker, Allstar works with multiple carriers to provide broader coverage options than typical admitted markets. The program is available in most states, with a strong footprint in AL, GA, LA, MS, NC, SC, and VA, and offers both admitted and non-admitted placements depending on the risk and location.

Target Classes and Risk Appetite

This program fits a wide range of contractor-related operations, including:
  • General contractors (residential and commercial)
  • Habitational risks (apartments, condos, multi-family)
  • Retail and wholesale tenant fit-outs
  • Office and light institutional projects
  • Limited vacant building exposures (select classes)
You might have a client who manages a portfolio of small commercial renovations or oversees mixed-use residential projects — Allstar can provide project-specific liability coverage and endorsements to match those exposures.

Casualty Coverage Highlights

  • Available as monoline or within a package
  • Minimum premium levels start around $500 (varies by class)
  • Primary liability limits available up to $5 million per occurrence/aggregate
  • Project-specific and per-project policies available
  • Options to address uninsured subcontractor exposures (subject to underwriting)
  • Common enhanced endorsements offered:
    • 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 umbrella premiums start around $750 (varies by account)
  • Supported and unsupported umbrella structures available

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

Underwriting and Submission Notes

Allstar’s underwriting team, including its Small Business Solutions division, focuses on quick reviews and practical binding options for construction risks. Expect responsive turnaround, flexible minimum premiums by class, and the ability to structure project-specific or location-specific aggregates. Include ACORD applications, loss runs, and project details for the fastest review.

States and Availability

The program is available in most states, with strong market activity in AL, GA, LA, MS, NC, SC, and VA. Allstar places both admitted and non-admitted coverage depending on the risk profile, limits needed, and state filing requirements.

Why Work With Allstar Financial Group?

Allstar brings decades of underwriting experience and a reputation for responsive service. As an MGU and E&S broker with access to multiple carriers, the firm helps agents place complex or non-standard general contractor accounts that may be difficult to place in standard markets. Their focus on construction-related risks, project-specific wording, and enhanced certificate operations makes them a useful partner when clients need tailored liability and umbrella solutions.

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 projects.

Are project-specific policies available?

Yes. Allstar offers project-specific policies and per-project aggregates to match the needs of individual construction jobs.

What is the minimum premium for coverage?

Casualty minimums generally start near $500 and umbrella minimums near $750, though actual minimums vary by class and account characteristics.

Is coverage available for uninsured subcontractors?

Options to address uninsured subcontractor exposures are available, subject to underwriting review and 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. Admitted or non-admitted placement depends on the specific risk and state.

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.