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Grocery Store Insurance Allstar Financial Group’s Grocery Store Insurance program is built for the underwriting challenges of retail food operations. Through our Small Business Solutions division, agents and brokers can quickly quote and bind coverage for a wide range of grocery risks. With access to multiple carriers and flexible excess & surplus and admitted options, Allstar provides market access and underwriting flexibility to help you place grocery-related accounts with confidence. The program is available in AL, GA, LA, MS, NC, SC, TN, and VA. Standard coverage components include Property, General Liability, Liquor Liability (select states), and Umbrella policies. Whether your client operates a neighborhood market, a specialty importer with a retail outlet, or a small chain with deli and bakery operations, this program offers customizable solutions to protect inventory, equipment, premises exposures, and liability risks. Ideal Accounts and Appetite We seek grocery store risks of varying sizes, including: Independent and neighborhood grocery stores Ethnic and specialty food markets Corner stores and small-format grocers Retailers with limited or full-service delis, bakeries, or meat counters Locations with incidental liquor sales (in approved states) Our appetite also extends to related retail operations such as convenience stores and wholesale-retail hybrids, provided they meet standard risk profile criteria and loss history expectations. Coverage Highlights and Advantages Property Coverage: Total Insured Values (TIV) up to $5 million per location Monoline or package options No coinsurance options available on eligible risks Optional enhancements including Equipment Breakdown Casualty Coverage: Primary limits up to $5 million per occurrence Monoline or packaged casualty options Minimum premiums starting at $500 (varies by class) Optional endorsements such as Blanket Additional Insured and Waiver of Subrogation Liquor Liability (select states only): Limits from $100K/$100K to $1M/$2M Assault and Battery coverage follows GL Available in NC, SC, GA, TN, and VA Umbrella Coverage: Limits up to $5 million Minimum premiums starting at $750 Supported and unsupported umbrella options Underlyers meet AM Best rating requirements Underwriting Notes and Minimum Premiums Allstar reviews submissions with focus on location, operations, safety controls, and prior loss history. Minimum premiums vary by class and coverage type; casualty premiums can start around $500 and umbrella premiums around $750. Project-specific policies and endorsements are available to tailor coverage for deli operations, refrigeration equipment, and liquor exposures. Territories and Availability This program is primarily available in AL, GA, LA, MS, NC, SC, TN, and VA. Liquor liability is offered in NC, SC, GA, TN, and VA. Coverage is placed through multiple admitted and non-admitted carriers, giving agents flexibility to secure capacity for harder-to-place risks. Why Work With Allstar Financial Group? As a Managing General Underwriter and Excess & Surplus Lines Broker, Allstar Financial Group combines specialty underwriting expertise with broad market access. Our Small Business Solutions team is designed to make quoting and binding efficient for retail food risks, especially those with mixed operations (deli, bakery, limited alcohol sales) or unique value exposures. Working with Allstar gives you tailored underwriting, flexible program structure, and solutions for accounts that need E&S placement or enhanced endorsements. You might have a client who runs a family-owned grocery with a deli in North Carolina — Allstar can package property, liability, and liquor coverage to address inventory, food handling, and alcohol exposures. Or you could be placing a specialty importer in Georgia with a retail storefront and wholesale activity; our appetite includes wholesale-retail hybrids when operations and controls meet underwriting criteria. Frequently Asked Questions What types of accounts are a good fit for this program?Independent grocery stores, ethnic and specialty markets, corner stores, and retail food operations with deli or bakery components are all within our target appetite. Is liquor liability coverage available through this program?Yes. Liquor liability is offered in NC, SC, GA, TN, and VA with limits up to $1M/$2M, and Assault and Battery coverage follows the GL where provided. Can I submit monoline coverage or must it be a package?You can submit either monoline or package policies depending on the client’s needs and the risk profile. What is the minimum premium for this program?Minimums vary by line and class. Casualty minimums can start around $500 and umbrella minimums around $750, subject to underwriting and state availability. How quickly can I quote and bind coverage?Our Small Business Solutions division is structured for quick turnaround so agents can efficiently quote and bind most eligible grocery accounts. Need help placing an account? Connect with a market specialist.

As an independent owner-operator, it’s critical that both the driver and equipment are protected—on the job and off-duty. Allstar Financial Group’s Owner Operator Program provides a focused transportation insurance solution for owner-operators and small fleets, combining flexible liability options, physical damage coverages, and responsive claims service. Program Overview This program is designed to support independent contractors and small fleets from 1 to 1,000 units. Available in all 50 states plus D.C., the offering is scalable and can be placed mono-line or as a package to fill gaps that standard trucking policies may leave — for example, non-trucking liability for drivers leased onto a carrier or additional physical damage protection for owner-operators who need stated amount coverage. Ideal Accounts This program is a fit for: Independent owner-operators on permanent lease agreements Small to midsize fleets (1–1,000 units) Operators who need flexible options such as non-trucking liability and physical damage on a stated amount basis Example scenarios you might place: an owner-operator leased to a national carrier who needs non-trucking liability for personal/off-duty use, or a three-truck local fleet that wants to consolidate physical damage and liability coverages with monthly reporting. Coverage Features NON-TRUCKING LIABILITY - Limits up to $1,000,000 CSL - Standard ISO Business Auto form with CA23099 endorsement - Monthly reporting available for flexible exposure handling - Can be written mono-line or packaged with other lines - Underwriting focused on customer service and fast placement PHYSICAL DAMAGE - Limits up to $250,000 per unit (stated amount) - Deductibles up to $25,000 - Optional enhancements available, including: • Downtime coverage • Tarps, chains and binders • Personal effects • Single deductible option • Lease/finance gap coverage CLAIMS HANDLING - Managed by Allstar’s in-house TPA, National Claim Services - Nationwide adjustor network and 24/7 claims hotline - Fast-track handling for drivable physical damage claims - Nationwide glass repair program to reduce downtime Underwriting and Premiums Minimum premiums vary by coverage, number of units and state. Monthly reporting options let you scale exposure and premiums as your client grows. The program will consider mono-line placements or bundled programs that include Occupational Accident and Physical Damage where appropriate. Territories and Markets Allstar’s Owner Operator Program is available in all 50 states and the District of Columbia. The program accesses multiple carriers across admitted and non-admitted platforms to give you flexible placement options. Why Work With Allstar Financial Group Allstar Financial Group is a Managing General Agency and Excess & Surplus Lines broker with deep transportation expertise. You’ll benefit from responsive underwriting, program flexibility, and efficient claims handling through an in-house TPA. These capabilities help you retain clients and place hard-to-write owner-operator and small fleet risks more competitively. Frequently Asked Questions What types of accounts are a good fit for this program?The program targets independent owner-operators and small fleets (1–1,000 units). It’s particularly useful for drivers leased to carriers who require non-trucking liability or owners who want stated amount physical damage coverage. Can this program be written on a mono-line basis?Yes. Coverages can be written mono-line or bundled with other lines such as Occupational Accident and Physical Damage, depending on the client’s needs. Is this program available in all states?Yes. The Owner Operator Program is available in all 50 states and the District of Columbia. Who handles the claims for this program?Claims are managed by Allstar’s in-house TPA, National Claim Services, which provides 24/7 support and access to a nationwide adjustor network. What coverage limits are available for Non-Trucking Liability?Non-Trucking Liability limits are available up to $1,000,000 Combined Single Limit (CSL). Need help placing an account? Connect with a market specialist.

Thank you for contacting Allstar Financial Group regarding Habitational Property Insurance Risks. As a Managing General Agency and Excess & Surplus lines broker representing multiple national carriers, Allstar provides agents with admitted-package options when available and broad E&S capacity for challenging habitational risks. Overview — Habitational Property Insurance Risks from Allstar Financial Group Allstar places habitational property programs that combine property, general liability, automobile liability and workers' compensation — either as admitted packages (where available) or as custom E&S placements. We also offer stand-alone General Liability, Property, and Professional Liability policies. Our underwriting team focuses on timely, creative market options for accounts that need capacity outside the standard admitted marketplace. Ideal Accounts and Target Classes TARGET CLASSES: Apartments, Condominiums (including owner-occupied with rental), Hotels & Motels, Dwelling Fire We will also consider habitational risks with: - Low occupancy - Multiple occupants - Vacant property (multiple years vacant acceptable) - Extended-stay and similar exposures Coverage Highlights and Advantages - Broad placement options: admitted packages where available and robust E&S appetite for higher-risk or non-standard habitational properties. - Stand-alone and package flexibility: separate General Liability quotes are available when needed. - Coastal capacity available for eligible accounts. Underwriting Notes and Minimum Premiums Forms: ACORD and program supplementals are required on submission. Underwriting is driven by property condition, occupancy, protection measures, and loss history. Minimum premium levels vary by carrier and state—please contact an Allstar underwriter for specific minimums and program eligibility. Territories and Availability Available through Allstar Financial Group in: AL, GA, NC, SC, TN, and VA. Many placements are written non-admitted / E&S depending on carrier appetite and state regulations; admitted options may be available in select circumstances. Why Work With Allstar Financial Group on Habitational Risks Allstar combines wholesale distribution experience with direct carrier relationships to place habitational accounts that are difficult to place in standard markets. Our underwriters provide quick turnaround on submissions, flexible structuring, and access to multiple carriers so you can compare options and secure capacity for your clients. Example accounts that fit this program - A mid-size apartment complex with a recent roofing update but a marginal loss history where standard admitted markets declined — E&S placement with tailored liability limits and property coverage. - A small extended-stay hotel with mixed occupancy and historical vacancy for some units — separate GL and property options can be quoted to match exposure. Contact one of our experienced underwriters at Allstar Financial Group about your habitational property insurance needs today. Forms: ACORD/Supplementals Separate quotes for General Liability coverage available Coastal Capacity Available Frequently Asked Questions What types of habitational accounts does Allstar want?Allstar targets apartments, condominiums (including rental exposures), hotels & motels, and dwelling fire risks. We also consider accounts with low occupancy, multiple occupants, extended-stay exposures, and properties that have been vacant for multiple years. Are vacant properties eligible?Yes. Vacant properties can be considered and, in many cases, multiple years vacant is acceptable. Eligibility and terms depend on property condition, loss history, and the carrier’s appetite. What submission materials do you require?Provide ACORD applications and any program supplementals, current loss runs, occupancy details, protection class, and photos or inspection reports where available. Additional carrier-specific items may be requested during underwriting. Which states and placement types are supported?Allstar places habitational business in AL, GA, NC, SC, TN, and VA. Many placements are handled on a non-admitted / E&S basis, with admitted options possible depending on carrier and state. Need help placing an account? Connect with a market specialist.