Ideal Accounts and Appetite
This program is a strong fit for companies in service industries that dispatch employees to customer sites. Ideal accounts include janitorial services, IT contractors, maintenance teams, home healthcare providers, and staffing agencies. Any business where employees have unsupervised access to client property is a candidate for this coverage.
Coverage Highlights and Advantages
- Protects against employee theft of client-owned property.
- Available on a per-contract or blanket basis, depending on the insured’s exposure.
- Supports businesses with off-site operations—not limited to on-premises risks.
Underwriting Notes and Minimum Premiums
Allstar Financial Group works with standard markets and places a strong emphasis on sound underwriting. Applications are reviewed individually, with premiums varying depending on the nature of the business, number of employees, and scope of third-party exposure. Contact us directly for underwriting guidelines and submission requirements.
Territories and Availability
This program is available in most states, including AL, AK, AZ, AR, CA, CO, CT, DE, FL, GA, HI, ID, IL, IN, IA, KS, KY, LA, ME, MD, MA, MI, MN, MS, MO, MT, NE, NV, NH, NJ, NM, NY, NC, ND, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VT, VA, WA, DC, WV, WI, and WY. Coverage is typically written on an admitted basis, depending on the state and risk characteristics.
Why Work With Allstar Financial Group
As a leading Brokerage General Agency, Allstar Financial Group offers access to multiple carriers and a broad appetite for third-party crime risks. Our expert underwriters understand the nuances of employee dishonesty exposures and can help you place tough-to-insure accounts with speed and confidence. Whether you’re working on a one-off contract or need a blanket policy for a growing client, we provide the flexibility and support you need to succeed.
Frequently Asked Questions
What types of accounts are a good fit for this program?
Accounts with employees who regularly work on client premises, such as janitorial services, home health providers, and IT contractors, are ideal for this coverage.
Does the policy cover theft of the insured’s own property?
No, this program specifically covers theft of third-party (client) property by an employee of the insured.
Is coverage available on a blanket basis?
Yes, policies can be written either for individual contracts or on a blanket basis, depending on client needs and underwriting approval.
Do you offer coverage in all states?
The program is available in most states across the U.S. Please refer to the list above to confirm current availability.
What carriers do you work with for this program?
Allstar partners with multiple standard markets to provide competitive coverage options tailored to the insured’s risk profile.
Need help placing an account? Connect with a market specialist.