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Allstar Financial Group
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Allstar Financial Group
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Warehouse Insurance

Warehouse Insurance

Allstar Financial Group, through its Allstar Underwriters division, offers a Warehouse Insurance program tailored for small to mid-sized businesses. The program delivers flexible Property, Casualty, and Umbrella coverages with streamlined underwriting so independent agents can quote and bind coverage efficiently for warehouse and storage clients.

Ideal Accounts and Appetite

If you work with clients in warehousing, light manufacturing, or distribution, this program provides practical, market-backed solutions. Target risks include:
  • Contractors storing equipment or materials
  • Habitational properties with on-site storage
  • Retail and wholesale operations that use warehouse space
  • Vacant warehouse properties
  • Institutional or office buildings that include warehousing components
Whether the client owns a single-location warehouse or operates multiple sites, Allstar has options to handle many common and specialty warehouse exposures.

Coverage Highlights and Advantages

Property Coverage:
  • Total Insured Values (TIV) up to $5 million per location
  • Available as monoline or package policies
  • No coinsurance options (availability varies by risk)
  • Optional enhancements, including equipment breakdown

Casualty Coverage:
  • Monoline or package availability
  • Minimum premiums starting at $500
  • Primary limits up to $5 million per occurrence/aggregate
  • Project-specific policies for unusual exposures
  • Coverage options for uninsured subcontractors
  • Optional enhancements such as:
    • Blanket additional insured
    • Waiver of subrogation
    • Primary and non-contributory wording
    • Per project/location aggregate
    • Hired & Non-Owned Auto (select classes)
    • Miscellaneous professional liability (select classes)

Umbrella Coverage:
  • Limits up to $5 million
  • Minimum premiums starting at $750
  • Both supported and unsupported umbrella forms available
  • Typical underlying carrier AM Best requirements:
    • A-VI or better for Auto and GL
    • B++ or better for Employers Liability
    • GL limits of $1M/$2M/$2M required

Underwriting Notes and Minimum Premiums

Underwriting is designed to be efficient and responsive, enabling quick quoting and binding for most qualified risks. Minimum premiums vary by line: general liability typically starts at $500, and umbrella coverage at $750. Property premiums depend on location, construction, and TIV. The program’s flexible structures and no-coinsurance options (where offered) make it attractive for agents seeking straightforward placement for warehouse risks.

Territories and Availability

This program is available in most states, with active placement across the Southeast. Current states of availability include:
  • Alabama (AL)
  • Georgia (GA)
  • Louisiana (LA)
  • Mississippi (MS)
  • North Carolina (NC)
  • South Carolina (SC)
  • Tennessee (TN)
  • Virginia (VA)
Allstar primarily places business through non-admitted markets; availability may vary by state and specific risk characteristics.

Why Work With Allstar Financial Group?

As a Managing General Underwriter and Excess & Surplus (E&S) broker, Allstar Financial Group combines niche underwriting expertise with access to multiple carriers. Allstar Underwriters focuses on warehouse exposures and delivers tailored, quick-turn solutions for retail agents. The small business division is built to help agents place challenging or specialized accounts with confidence.

Example scenarios that fit the program:
  • A contractor client storing tools and materials in a standalone warehouse that needs property and liability protection.
  • A vacant industrial building awaiting redevelopment that requires property coverage and risk-control guidance.
With flexible forms, optional endorsements, and responsive underwriting, Allstar helps you secure appropriate protection and expand your book of business in the warehouse niche.

Frequently Asked Questions

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

This program targets warehouse-related risks such as contractors, retail or wholesale distributors, vacant properties, habitational risks with storage, and institutional or office buildings with warehousing components.

Can I write monoline property or casualty coverage?

Yes. The program offers both monoline and package options for property and casualty coverage depending on your client's needs.

What are the minimum premiums for coverage?

Minimum premiums generally start at $500 for general liability and $750 for umbrella. Property premiums vary based on the risk profile and location.

Is this program admitted or non-admitted?

The program is primarily offered through non-admitted markets across multiple carriers. Availability can differ by state and by specific exposure.

Which states is this program available in?

This warehouse insurance program is currently available in Alabama, Georgia, Louisiana, Mississippi, North Carolina, South Carolina, Tennessee, and Virginia.

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.