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Dwelling Insurance Overview — Allstar Financial Group Dwelling Insurance Program Allstar Underwriters (Allstar Financial Group) offers a flexible Dwelling Insurance program for property owners and contractors through its small business solutions division. The program supports property, casualty and umbrella placements — available monoline or as package business — and is designed to simplify quoting and binding for independent agents and brokers. Allstar underwriters provide hands-on underwriting for mid-sized dwellings and commercial-occupancy risks, with optional enhancements and project-specific casualty solutions. Ideal accounts and appetite This program fits a range of owner-occupied and commercial-style dwelling risks. Typical target classes include: Contractors and construction-related operations (including project-specific policies) Habitational properties and small multi-family buildings Office and small retail occupancies Wholesale operations and light industrial/ institutional occupancies Vacant or transitional properties (risk-by-risk underwriting) Accounts with Total Insurable Value (TIV) up to $5 million per location are considered. Risks with complex professional exposures, heavy pollution, or unusual habitational liabilities may require referral — ask an underwriter when in doubt. Coverage highlights and advantages Property: TIV up to $5M per location; monoline or packaged solutions; no-coinsurance options where available; optional endorsements and equipment breakdown coverage. Casualty: Monoline or package; primary limits up to $5M/5M; available project-specific wording; coverage for uninsured subcontractors and a range of endorsements (blanket additional insured, waiver of subrogation, primary/non-contributory wording, per-project/per-location aggregate, hired & non-owned auto in qualifying classes, miscellaneous professional liability endorsements where appropriate). Umbrella: Limits up to $5M; supported or unsupported umbrella structures. Underwriting notes and minimums Minimum premium expectations vary by line: casualty minimums start around $500; umbrella minimums start around $750. Final minimums depend on class, limits and territory. Underlying insurer requirements include AM Best ratings (A-VI or better for auto/GL; B++ or better for Employers Liability). Typical minimum GL structure is $1M/$2M/$2M unless otherwise required. No coinsurance options may be available depending on risk type; equipment breakdown and other enhancements are offered on a case-by-case basis. Territories and admitted status Program availability: Most Available States. This storefront highlights availability in AL, GA, LA, MS, NC, SC, TN and VA. Allstar operates as a Managing General Underwriter and an Excess & Surplus lines broker, so placement options include admitted or non-admitted markets depending on state rules and risk characteristics. Why place this business with Allstar Financial Group Specialized underwriting for small business and dwelling risks — quicker turnaround for quotes and binds compared with broader-market submissions. Flexibility to write monoline or packaged coverages and to add project-specific casualty terms when needed. Access to multiple carrier relationships and the ability to place umbrella limits up to $5M supported or unsupported. Underwriter-access model: you can call to discuss unique risks, endorsements, or unusual exposures to find tailored coverage solutions. Example scenarios An independent agent has a contractor client building a small multi-unit dwelling who needs a project-specific general liability policy with per-project aggregate and blanket additional insured — Allstar can quote project wording and higher primary limits. A broker needs coverage for a small habitational building with a TIV under $5M and wants equipment breakdown included — the property package with optional equipment breakdown makes the account marketable without coinsurance in eligible cases. How to submit Provide completed ACORDs, current loss runs, construction details, occupancy/use information, and estimated TIV per location. For casualty or project business include contracts or certificate wording requirements so underwriters can evaluate additional insured, waiver, and primary/non-contributory needs. Frequently Asked Questions What types of accounts are the best fit for this Dwelling Insurance program?The program is best for contractors, habitational owners, small offices, retail/wholesale occupancies, and certain vacant/transitional properties with TIV up to $5M per location. Project-specific construction accounts and clients needing specialty casualty endorsements are also a good fit. Can I place both property and liability with Allstar on the same account?Yes. Allstar can write monoline property or casualty, or package accounts combining both. Umbrella limits up to $5M are also available to supplement primary limits when needed. What underwriting information speeds placement?Provide ACORD applications, detailed TIV and construction information, current loss runs, and copies of contracts or certificate requirements for additional insured/waiver language. For project accounts, attach the scope of work and schedule of locations. Are there minimum premiums or limit requirements I should expect?Minimum premiums vary by line and state; casualty minimums commonly start near $500 and umbrella near $750, but actual minimums depend on class, limits and territory. Discuss specifics with an underwriter on submission. Need help placing an account? Connect with a market specialist.

Overview — Public Official Surety Bonds from Allstar Financial Group Allstar Financial Group places Public Official Surety Bonds for individuals who are elected or appointed to municipal, county, or state offices. These bonds guarantee the faithful performance of official duties and are commonly required by statutes, ordinances, or agency rules. As a brokerage general agency with access to multiple admitted and non-admitted markets, Allstar offers flexible placement options for routine to complex public official exposures. Ideal accounts and appetite You should consider Allstar’s program for: Elected officials (mayors, council members, county commissioners) Appointed officials (treasurers, tax collectors, clerks, zoning administrators) Local government employees serving in fiduciary or administrative roles that require bonding Multi-jurisdictional placements where different bond forms or limits are required Coverage highlights and advantages Allstar’s Public Official program provides access to a range of bond forms and limits through multiple carriers. Key benefits for agents include: Admitted and non-admitted market options to meet varying state and municipality requirements. Ability to place standard, routine bonds quickly and handle non-standard or higher-exposure requests through specialty markets. Flexible collateral solutions for non-standard placements; collateral may be required initially but can sometimes be waived after review of financials and work history. Underwriting notes and minimum premiums Underwriting focuses on the applicant’s financial stability, public service experience, and the specific bond form and limit requested. Non-standard markets typically require cash collateral; however, collateral requirements and amounts are determined case-by-case after review of submitted financial information and professional history. Minimum premium varies by carrier and bond type—please contact Allstar Financial Group for the appropriate application and an initial quote. Territories and availability This program is available in most states. Current availability includes: 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, WY. Placement may be admitted or non-admitted depending on the state and carrier—Allstar will advise on the best market available for each risk. Why place public official bonds with Allstar Financial Group? As a brokerage general agency with relationships across multiple carriers, Allstar helps agents navigate bond wording, state requirements, and collateral questions. We work to match each risk to the appropriate admitted or specialty market, and we provide the application forms needed to begin underwriting. For routine public official bonds and more complex or collateralized placements, Allstar offers practical solutions designed for busy agents. Examples you may see - You might have a newly elected county treasurer who needs a statutorily required fidelity/performance bond; Allstar can place admitted or non-admitted options depending on the county’s requirement. - A small municipality appoints a part-time zoning official with limited financial history; Allstar can explore specialty markets and discuss collateral alternatives based on the official’s background. Please contact our office for the appropriate application and to discuss specific requirements for your client’s Public Official Surety Bond. Frequently Asked Questions What types of public official bonds can Allstar place?Allstar places a broad range of public official bonds, including performance/fidelity bonds, treasurer and tax collector bonds, clerk and recorder bonds, and other statutory bonds required for elected or appointed offices. Availability depends on the state and carrier markets. When is collateral required and can it be waived?Non-standard or higher-risk placements frequently require cash collateral. Collateral requirements and amounts are determined after underwriting; in some cases collateral may be waived following review of financial statements and professional experience. What information do I need to submit to start underwriting?Typical submissions include the completed bond application, details of the bond form and limit required, applicant’s resume or work history, and relevant financial information. Allstar will provide the correct application form when you contact the office. Is this program available in my state?Allstar’s Public Official program is available in most states (see the program listing for full state availability). Whether an admitted or non-admitted market is used depends on the state and the requested bond; contact Allstar to confirm placement options. Need help placing an account? Connect with a market specialist.