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Allstar Financial Group
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Allstar Financial Group
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Special Trade Contractors

Special Trade Contractors

Allstar Financial Group, a trusted Managing General Underwriter and Excess & Surplus Lines Broker, offers a flexible and competitive program for Special Trade Contractors. Designed with small to mid-sized accounts in mind, this program delivers tailored Casualty and Umbrella solutions that are easy to quote and bind through Allstar’s dedicated underwriting team. Whether you're working with artisan contractors or habitational risks, this program can support your clients with the coverages they need to operate confidently and compliantly.

Ideal Accounts and Appetite

This program is ideally suited for a wide range of special trade contractors and related risks, including but not limited to:
  • General and artisan contractors
  • Habitational properties such as apartments and condos
  • Office buildings and retail spaces
  • Wholesale and institutional facilities
  • Vacant property exposures
You might have a client who runs a small electrical contracting business or a residential plumbing contractor working on multi-unit developments. These are perfect examples of accounts Allstar can help you place effectively.

Casualty Coverage Highlights

Allstar's Casualty coverage for Special Trade Contractors includes:
  • Available as monoline or package policies
  • Minimum premiums starting at $500
  • Primary limits available up to $5 million per occurrence / $5 million aggregate
  • Project-specific policies available when needed
  • Options for accounts using uninsured subcontractors
  • Valuable coverage enhancements available, including:
    • Blanket Additional Insured
    • Waiver of Subrogation
    • Primary & Non-Contributory wording
    • Per Project / Per Location Aggregate Limits
    • Hired & Non-Owned Auto (select classes)
    • Miscellaneous Professional Liability (select classes)

Umbrella Coverage Highlights

Umbrella coverage is available on a supported or unsupported basis, with:
  • Limits up to $5 million
  • Minimum premium starting at $750
  • Flexible underwriting for a wide range of underlying carriers
Underlying requirements include:
  • Auto and General Liability carriers rated A-VI or better by AM Best
  • Employers Liability carriers rated B++ or better by AM Best
  • General Liability limits must meet a minimum of $1M/$2M/$2M

Territories and Availability

This program is available in most states, with a focus on the Southeast, including:
  • Alabama (AL)
  • Georgia (GA)
  • Louisiana (LA)
  • Mississippi (MS)
  • North Carolina (NC)
  • South Carolina (SC)
  • Tennessee (TN)
  • Virginia (VA)
Please note that availability may vary by risk type and market conditions.

Why Work With Allstar Financial Group?

Allstar Financial Group brings deep expertise in small business and contractor-related risks. With access to multiple carrier partners and a streamlined process through their Small Business Solutions division, agents can expect:
  • Quick turnaround for quotes and binding
  • Friendly, knowledgeable underwriters ready to assist
  • Customized coverage options to fit complex or unique risks
  • Flexibility in dealing with subcontractor exposures and habitational add-ons
If you're looking for a dependable market for your contractor clients—especially those needing tailored umbrella or general liability coverage—Allstar is a strong partner to consider.

Frequently Asked Questions

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

The program is ideal for artisan contractors, habitational risks, small commercial properties, and contractors using uninsured subs.

Is this program available in my state?

Allstar’s Special Trade Contractors program is available in most Southeastern states, including AL, GA, LA, MS, NC, SC, TN, and VA.

What is the minimum premium for coverage?

Casualty coverage starts at a $500 minimum premium, while Umbrella coverage begins at $750, depending on the risk and limits.

Can I get coverage for a contractor using uninsured subcontractors?

Yes, Allstar can consider accounts with uninsured subcontractors, though additional underwriting requirements may apply.

What limits are available under the Umbrella policy?

Umbrella limits are available up to $5 million, depending on the underlying coverage and risk profile.

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.