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Apartment/Condo Insurance Allstar Financial Group offers Apartment/Condo Property, Casualty and Umbrella coverages designed for independent agents and brokers who need a responsive small-business wholesaler. Our small business solutions division streamlines quoting and binding for apartment and condominium risks. Contact one of our underwriters to discuss specific program options or to get a quote. Overview of the Program This program provides flexible property, general liability and excess/umbrella solutions for habitational and mixed-use locations. Coverages are available as monoline or packaged policies, with optional enhancements and project-specific wording where appropriate. Limits and endorsements are designed to help agents place common habitational exposures as well as contractor-related risks at residential and commercial locations. Ideal Accounts and Appetite Habitational: apartment buildings, condominium associations and small to mid-size residential complexes Contractors working on habitational projects (project-specific policies available) Mixed-use locations: retail/office units with residential components Vacant or seasonal properties (class-by-class underwriting review) Wholesale/retail or institutional occupancies that are co-located with residential units Coverage Highlights and Advantages Property Coverage Highlights Total Insurable Value (TIV) up to $5,000,000 per location Monoline or package options No-coinsurance options available (may vary by risk type) Optional coverage enhancements and endorsements Equipment breakdown coverage available Casualty (GL) Highlights Monoline or package placements Minimum premium starting at $500 Primary limits up to $5,000,000 / $5,000,000 Project-specific and per-project/per-location aggregate options Uninsured subcontractor wording where appropriate Optional enhancements including blanket additional insured, waiver of subrogation, primary/non-contributory wording, hired & non-owned auto (certain classes), and miscellaneous professional liability (certain classes) Umbrella Coverage Highlights Limits available up to $5,000,000 Minimum premium starting at $750 Supported and unsupported umbrella structures Underlying requirements: AM Best A-VI or better for auto or GL carriers; AM Best B++ or better for employers’ liability; typical GL underlying limits $1M / $2M / $2M Underwriting Notes and Minimums Typical minimum premiums: GL from $500; umbrella from $750 (program minimums may vary by state and class) Project-specific policies are available for contractor exposures and renovation projects—identify scope and contract requirements on submission Availability of no-coinsurance, equipment breakdown and other endorsements depends on occupancy, protection class and specific exposures Some classes (vacancies, certain contractor operations) will be considered on a case-by-case basis and may require supplemental information Territories and Availability This program is available in the following states: AL, GA, NC, SC, TN, VA. Coverage is offered in admitted and non-admitted markets as appropriate—availability and terms may vary by state and risk characteristics. Why Work With Allstar Financial Group on Apartment/Condo Business Specialized small-business underwriting focused on habitational and contractor exposures Flexible packaging and optional endorsements to match policyholder needs Ability to handle project-specific placements and per-location aggregates Responsive underwriting team to help with quick quotes and bind requests Frequently Asked Questions What types of accounts are a good fit for this Apartment/Condo program?Accounts that typically fit include small to mid-size apartment buildings, condominium associations, mixed-use properties with residential units, and contractor projects tied to habitational work. Vacancies and some contractor classes are considered with additional underwriting information. What are the key limits and minimums I should expect on submissions?Property placements accept TIVs up to $5M per location. General liability minimum premium typically starts at $500; umbrella minimums typically start at $750. Primary GL limits can go up to $5M / $5M depending on the exposure. Which endorsements and enhancements are available?Options include no-coinsurance, equipment breakdown, blanket additional insured, waiver of subrogation, primary/non-contributory wording, per-project/per-location aggregates, hired & non-owned auto and miscellaneous professional (for certain classes). Availability depends on class and state. What information should I include with a submission to speed underwriting?Provide current loss runs (five years preferred), property values and protection information, details of contracts or project scope for contractor accounts, occupancy and unit mix, and any prior inspections or mitigation efforts. Clear documentation of contractual additional insured or waiver of subrogation requirements helps underwriters evaluate terms faster. Need help placing an account? Connect with a market specialist.

Georgia Non-Resident Trappers Bond Allstar Financial Group offers a specialized surety solution for agents seeking to help clients obtain a Georgia Non-Resident Trappers Bond. This bond is required for individuals or businesses located outside Georgia who wish to trap furbearing animals within the state. The bond ensures compliance with Georgia’s trapping regulations and protects the state and public from potential violations. Ideal Accounts and Appetite This program is ideal for: Non-resident individuals who trap as a hobby or for supplemental income Professional trappers operating seasonally in Georgia Out-of-state wildlife control businesses expanding services into Georgia Whether your client is a solo trapper or a small business with employees, Allstar can help you meet the bonding requirements efficiently. Coverage Highlights and Advantages Meets the Georgia Department of Natural Resources bonding requirement for non-resident trappers Protects the state against financial loss due to non-compliance by the bonded party Streamlined application and processing through experienced surety underwriters Access to a variety of markets to help you get competitive terms for your client Underwriting Notes and Minimum Premiums Minimum premiums vary based on applicant history, size of the bond, and underwriting risk. Allstar’s underwriters work closely with agents to offer fair pricing and fast turnaround. Credit history and business background may be considered in the underwriting process. Territories and Availability This program is available exclusively for trapping activities conducted in Georgia by non-residents. Allstar has access to admitted markets in some states, though availability may vary based on the applicant’s home state and risk profile. Why Work With Allstar Financial Group As a trusted Managing General Agency (MGA), Allstar Financial Group brings years of experience in surety and specialty bonding. With access to multiple carriers and a dedicated team of knowledgeable underwriters, agents benefit from a responsive, service-driven approach to placing their clients’ unique bond needs. You might have a client who lives in Alabama and traps seasonally in Georgia. They need to meet Georgia’s bond requirement quickly to begin the season. Allstar can help you get that bond placed efficiently with competitive terms. For more information or to discuss a submission, contact an Allstar underwriter today. Frequently Asked Questions What types of accounts are a good fit for this program?This program is ideal for individuals or small businesses located outside Georgia who trap furbearing animals within the state, whether professionally or recreationally. Is this bond required for every out-of-state trapper?Yes, the Georgia Department of Natural Resources requires non-resident trappers to post a bond to ensure compliance with state laws. What underwriting information is typically needed?Applicants may need to provide basic personal or business information, financial history, and past compliance records. Credit checks may apply. How quickly can this bond be issued?Turnaround times are generally fast. Once all required information is submitted, bonds can often be issued in a matter of days. Can I get this bond for a client in another state?Yes, as long as the client is a non-resident of Georgia and plans to trap within Georgia, this bond can be placed regardless of their home state. Need help placing an account? Connect with a market specialist.

Bars and Taverns Insurance Program from Allstar Financial Group Allstar Financial Group’s Bars/Taverns Insurance Program is designed specifically for independent agents looking to place coverage for hospitality businesses with liquor exposures. Through our specialized underwriting division, Allstar Underwriters, we offer a comprehensive suite of coverages tailored to the unique risk profile of bars, taverns, pubs, and similar establishments. Our program provides flexible options that include Property, Casualty, Liquor Liability, and Umbrella coverage. Whether you’re quoting a small neighborhood bar or a larger venue with entertainment and food service, our streamlined process makes it easy to quote, bind, and serve your retail clients efficiently. Ideal Accounts and Appetite This program is a solid fit for: Bars and taverns with or without food service Establishments offering live music, DJs, or entertainment Hospitality risks needing Liquor Liability coverage Accounts in need of monoline or package options We also write a wide variety of associated risk types through our broader underwriting capabilities, including retail, wholesale, contractors, institutional, habitational, offices, and vacancies. However, the focus of this program is liquor-serving establishments. Coverage Highlights and Advantages Property Coverage Total Insured Value (TIV) up to $5 million per location Monoline or package policy options No coinsurance options available (based on risk type) Optional enhancements such as equipment breakdown Casualty Coverage Monoline or packaged with other coverages Minimum premium starting at $500 Primary limits up to $5 million per occurrence/aggregate Project-specific policies available Coverage for uninsured subcontractors Optional endorsements including: Blanket Additional Insured Waiver of Subrogation Primary and Non-Contributory wording Per Project/Per Location Aggregate Hired & Non-Owned Auto (for certain classes) Miscellaneous Professional (for certain classes) Liquor Liability Limits from $100K/$100K up to $1 million/$2 million Available as a monoline or package Assault and Battery coverage follows GL form Available in NC, SC, GA, TN, and VA Umbrella Coverage Limits up to $5 million Minimum premium starting at $750 Available on a supported or unsupported basis Underwriting Notes and Minimum Premiums Minimum premiums vary based on the type and size of the account, with entry points starting as low as $500 for General Liability. For Umbrella coverage, the minimum premium starts at $750. Underlying policy requirements include: Auto or GL carriers rated A-VI or better by AM Best Employers Liability carriers rated B++ or better GL limits must be at least $1 million/$2 million/$2 million Territories and Availability This program is available in the following states: Alabama, Georgia, Louisiana, Mississippi, North Carolina, South Carolina, Tennessee, and Virginia. Most coverages are available on a non-admitted basis across these territories, subject to state-specific eligibility. Why Work with Allstar Financial Group? Allstar Financial Group is a trusted Managing General Underwriter and Excess & Surplus Lines Broker with access to multiple carriers and markets. Our underwriting team understands the nuances of hospitality risks and is committed to providing fast, responsive service to our agency partners. Whether you're placing a new bar opening in Georgia or renewing a long-time tavern client in North Carolina, we offer the tools and expertise to help you succeed. Let us help you deliver tailored insurance solutions for your bar and tavern clients—quickly and efficiently. Contact Allstar Underwriters to get started today. Frequently Asked Questions What types of accounts are a good fit for this Bars/Taverns Insurance program?This program is ideal for bars, taverns, pubs, and similar establishments with liquor liability exposures, especially those that offer food service or live entertainment. Can I write liquor liability as a monoline policy?Yes, liquor liability can be written on a monoline or package basis, with limits available up to $1 million/$2 million in select states. What is the minimum premium for this program?Minimum premiums start at $500 for General Liability and $750 for Umbrella coverage, but final pricing varies depending on the risk type and location. Is this program available in admitted or non-admitted markets?Most coverages are offered on a non-admitted basis through highly rated carriers, subject to state availability and eligibility. Which states is this program available in?The program is currently available in AL, GA, LA, MS, NC, SC, TN, and VA. Need help placing an account? Connect with a market specialist.

Artisan Contractors Insurance Allstar Financial Group’s Artisan Contractors Insurance program, offered through Allstar Underwriters, is designed for independent agents and brokers seeking comprehensive and flexible coverage options for small to mid-sized artisan contractor clients. With access to multiple carriers and tailored underwriting expertise, we make it seamless to quote, bind, and service policies across a broad range of trades and project types. Ideal Accounts and Appetite Our program is an excellent fit for general and specialty artisan contractors involved in residential, commercial, or mixed-use projects. We welcome accounts such as: Electrical, plumbing, and HVAC contractors Carpenters, drywall installers, and painters Masonry, roofing, and flooring professionals Remodelers and small general contractors We also consider risks related to habitational, office, retail, institutional, wholesale, and vacant property exposures. Uninsured subcontractors can be considered, and policies can be tailored for project-specific needs. This program is designed for agents with clients who need a responsive market for both straightforward and more nuanced construction risks. Coverage Highlights and Advantages Casualty Coverage: Available as monoline or package policies Minimum premiums starting at $500 Primary limits available up to $5M/$5M Project-specific policies available Optional coverage enhancements including: Blanket Additional Insured Waiver of Subrogation Primary and Non-Contributory wording Per Project/Per Location Aggregates Hired & Non-Owned Auto (select classes) Misc. Professional Liability (select classes) Umbrella Coverage: Limits up to $5 million Minimum premiums starting at $750 Available on a supported or unsupported basis Umbrella policies require underlying carriers with AM Best ratings of A-VI or better for Auto/GL and B++ or better for Employers Liability. GL limits of $1M/$2M/$2M are required. Underwriting Highlights and Minimum Premiums Our underwriting team focuses on responsiveness and flexibility. Minimum premiums vary by class and coverage, starting at $500 for casualty and $750 for umbrella. We work with agents to find the right structure for each account, whether it’s a standalone policy or a complete package. Example: You might have a contractor client specializing in residential remodeling who uses a few uninsured subcontractors. Our program can accommodate this setup while offering the coverage enhancements needed to satisfy project owner requirements. Territories and Market Availability This program is available in most states, with a focus on AL, GA, LA, MS, NC, SC, TN, and VA. We operate on a non-admitted basis, giving us the flexibility to tailor solutions outside the standard market. Why Work With Allstar Financial Group? Allstar Financial Group is a trusted Managing General Underwriter and E&S Broker with deep experience in contractor risk placement. Our small business solutions division is built to support independent agents with fast quoting, knowledgeable underwriters, and access to multiple quality carriers. Whether you're working on a single artisan policy or a bundled package for a growing contractor, we streamline the process and help you deliver value to your clients. Frequently Asked Questions What types of accounts are a good fit for this program?This program is ideal for small to mid-sized artisan contractors, including electricians, plumbers, HVAC techs, painters, roofers, and general remodelers. Can the program accommodate uninsured subcontractors?Yes, accounts with uninsured subcontractors can be considered based on underwriting review. Is this coverage available on an admitted basis?No, most coverage is placed on a non-admitted basis to provide greater flexibility in terms and structure. In which states is this program available?The program is available in most states, with a core focus on AL, GA, LA, MS, NC, SC, TN, and VA. Are project-specific policies available?Yes, we offer project-specific policies and can tailor coverage to meet the needs of individual jobs or contracts. Need help placing an account? Connect with a market specialist.

Convenience Store Insurance Allstar Financial Group offers a comprehensive Convenience Store Insurance program designed to meet the unique risks faced by independent convenience store owners. Through our specialized underwriting division, Allstar Underwriters, we provide access to tailored coverage options including Property, Casualty, Liquor Liability, and Umbrella insurance. This program is built for agents and brokers looking to quickly quote and bind policies for small business clients. Ideal Accounts and Appetite This program is ideal for a wide range of businesses operating in the retail and service sectors. In addition to convenience stores, we can consider risks in categories such as: Retail establishments Wholesale outlets Vacant properties (select cases) Contractors, offices, and institutional properties Whether your client is a single-location store or operates multiple sites, we can accommodate Total Insured Values (TIV) up to $5 million per location. Coverage Highlights and Advantages Property Coverage Includes: TIV up to $5 million per location Monoline or package options available No coinsurance options (varies by risk) Optional enhancements such as equipment breakdown coverage Casualty Coverage Includes: Available as monoline or package Minimum premiums starting at $500 Primary limits up to $5 million/$5 million Project-specific policies available Coverage for uninsured subcontractors Optional endorsements, including: Blanket additional insured Waiver of subrogation Primary non-contributory wording Per project/per location aggregate Hired & Non-Owned Auto (select classes) Miscellaneous professional liability (select classes) Liquor Liability Coverage: Limits ranging from $100K/$100K up to $1 million/$2 million Monoline or packaged with GL Assault & Battery coverage follows General Liability Available in NC, SC, GA, TN, and VA Umbrella Coverage: Limits up to $5 million Minimum premium starts at $750 Available on a supported or unsupported basis Underlying requirements include: General Liability and Auto: AM Best A-VI or better Employers Liability: AM Best B++ or better GL limits of $1 million/$2 million/$2 million Underwriting Notes and Minimum Premiums We offer flexible underwriting with the ability to quote both monoline and package policies. Minimum premiums vary by coverage type, with General Liability starting at $500 and Umbrella at $750. Optional coverages and enhancements allow you to tailor each policy to your client’s specific exposures. Territories and Availability The Convenience Store Insurance program is available in most states, with a strong focus on the Southeast. Currently, Allstar is actively writing this program in: Alabama Georgia Louisiana North Carolina South Carolina Tennessee Virginia Why Work With Allstar Financial Group As a trusted Managing General Underwriter and Excess & Surplus Lines Broker, Allstar Financial Group brings deep underwriting expertise and access to multiple carriers. Our small business solutions division is designed to make quoting and binding simple and efficient for busy agents. Whether you're placing a single-location account or managing a portfolio of retail risks, our program is built to support your success. You might have a client operating a convenience store with fuel sales and limited liquor exposure—we can help you build a customized package that meets their needs. Or perhaps your client owns a vacant retail property awaiting a new tenant—we have solutions for that as well. Let our experienced underwriters help you find the right coverage quickly while navigating the complex needs of small retail risks. Frequently Asked Questions What types of accounts are a good fit for this program?This program is ideal for convenience stores, retail shops, wholesale outlets, vacant commercial properties, and certain institutional or office risks. Is liquor liability coverage available in all states?No, liquor liability is currently available in North Carolina, South Carolina, Georgia, Tennessee, and Virginia. Can I write monoline General Liability or Property policies?Yes, both monoline and package policies are available depending on the account type and coverage needs. What are the minimum premiums for this program?Minimum premiums vary by coverage, starting at $500 for General Liability and $750 for Umbrella policies. Do you offer coverage for vacant retail properties?Yes, vacant properties may be eligible depending on underwriting criteria. Contact an underwriter to review specific risks. Need help placing an account? Connect with a market specialist.

Club Insurance Allstar Financial Group, through its Allstar Underwriters division, offers a Club Insurance program tailored for agents and brokers placing club and hospitality risks. With access to multiple carriers and streamlined underwriting, the program helps you quickly quote and bind coverage for small to mid-sized nightclubs, bars, private clubs, and similar venues. Whether your insured operates a nightclub, bar, social club, or private event venue, Allstar’s Club Insurance program provides a full range of property, casualty, liquor liability, and umbrella solutions. The program is available in AL, GA, LA, MS, NC, SC, TN, and VA, and most coverages are offered on a non-admitted basis. Ideal Accounts and Appetite Allstar targets a broad set of commercial risks that align with club operations and their common exposures, including: Nightclubs and dance venues Private and membership-only clubs Bars and lounges (with or without entertainment) Event venues and mixed-use hospitality spaces Beyond traditional clubs, the program can accommodate select contractors, retail and wholesale tenants, habitational properties, offices, vacant buildings, and institutional facilities depending on the coverage line and risk characteristics. Coverage Highlights and Advantages Property Coverage Total Insured Value (TIV) up to $5 million per location Available as monoline or packaged coverage No coinsurance options where appropriate (subject to underwriting) Optional enhancements such as equipment breakdown Casualty Coverage Monoline or packaged options Minimum premium starting at $500 Primary limits up to $5 million per occurrence/aggregate Project-specific policies available Coverage for uninsured subcontractors Optional enhancements include: Blanket Additional Insureds Waiver of Subrogation Primary & Non-Contributory wording Per Project / Per Location Aggregate Hired & Non-Owned Auto (for certain classes) Miscellaneous Professional (for certain classes) Liquor Liability Limits from $100K/$100K up to $1M/$2M Available as monoline or part of a package Assault & Battery coverage follows the general liability form Offered in NC, SC, GA, TN, and VA Umbrella Coverage Limits up to $5 million Minimum premium starting at $750 Available on both supported and unsupported bases Underlying carrier requirements: A-VI or better for Auto/GL; B++ or better for Employers Liability Required GL underlying limits typically $1M/$2M/$2M Underwriting Notes and Minimum Premiums Allstar focuses on flexible, efficient handling of small to mid-sized accounts. Minimum premiums vary by line and risk; casualty coverage minimums start around $500 and umbrella minimums around $750. Underwriters work with agents to determine eligibility, available enhancements, and any state-specific considerations. Territories and Availability The Club Insurance program is offered in the following states: Alabama (AL) Georgia (GA) Louisiana (LA) Mississippi (MS) North Carolina (NC) South Carolina (SC) Tennessee (TN) Virginia (VA) Most coverages are placed non-admitted with carriers rated A- or better. Why Work With Allstar Financial Group? As a Managing General Underwriter and Excess & Surplus Lines Broker, Allstar combines underwriting expertise with broad market access. The Club Insurance program is backed by multiple carriers and built for quick quoting, flexible terms, and practical endorsements that meet common hospitality exposures. You might have a client who runs a busy nightclub that needs liquor liability with assault & battery and an umbrella layer, or a private club seeking a packaged policy that includes property, general liability, and optional equipment breakdown. Allstar’s small business underwriting team is available to help structure terms and move business efficiently. Need help placing an account? Connect with a market specialist.

Allstar Surety, a division of Allstar Financial Group, is a national, full-service Managing General Underwriter (MGU) focused exclusively on surety. Our Contract Surety Bond program helps agents and brokers place contractors of every size and specialty—from small local builders to large infrastructure firms. We offer the full spectrum of construction-related bonds, including bid, performance, payment, maintenance, and supply bonds. In addition to contract bonds, we place a broad range of license and permit bonds, plus site improvement and subdivision bonds. Whether your client is a general contractor bidding on a public works contract or a developer needing a subdivision bond, Allstar Surety gives you market access and underwriting expertise to close the transaction quickly. Ideal Accounts and Appetite We work with both standard and non-standard surety markets. This program is a strong option for: General contractors and subcontractors Site and utility contractors Specialty trade contractors (HVAC, electrical, plumbing, etc.) Developers needing subdivision or site improvement bonds Construction firms with challenging financials or unique risks Examples you may encounter: a client who needs a bid bond within 24 hours to submit a municipal road-improvement proposal, or a contractor transitioning into public contracting who requires a full program of bid, performance, and payment bonds. We help you deliver those solutions fast. Coverage Highlights and Advantages Access to A.M. Best–rated and U.S. Treasury–listed surety markets Full range of contract surety bond types available Flexible underwriting for both standard and non-standard accounts Competitive rates with fast turnaround Local offices for responsive, personalized service We understand timing is critical in construction. Our streamlined submission and issuance process is built to move quickly so your clients can keep projects on schedule. Underwriting Notes and Minimum Premiums Our underwriters evaluate a wide range of contractor profiles, including new ventures and accounts with financial or operational complexities. Minimum premiums vary by bond type, size, and underwriting factors. Contact us early in the process so we can confirm documentation needs, expected timing, and whether the account fits our appetite. Territories and Availability Allstar Surety’s Contract Surety Bonds are available in most states, including AL, AZ, AR, CO, CT, FL, GA, IL, IN, KS, KY, LA, MD, MI, MN, MS, MO, MT, NE, NV, NJ, NM, NC, OH, OK, OR, PA, SC, TN, TX, UT, VA, DC, WV, WI, and WY. Most bonds are offered on an admitted basis where applicable, depending on the state and bond class. Why Work With Allstar Financial Group? With more than 50 years of surety experience and access to top-rated carriers such as Companion, American Southern, and Knightbrook, Allstar Surety delivers market flexibility and hands-on underwriting support. Our local offices provide direct service and fast response times to help you navigate complex bond requests and keep your clients moving forward. Let Allstar be your preferred source for contract surety bonds. - Standard and Non-Standard Surety Market - Flexible Terms and Conditions - Quick Turn-Around - Local Offices to provide outstanding Service Frequently Asked Questions What types of accounts are a good fit for Allstar’s Contract Surety Bond program?We serve general contractors, subcontractors, developers, and specialty trade contractors, including those with non-standard underwriting needs. Are bonds offered on an admitted basis?Yes. Most contract surety bonds are offered on an admitted basis in states where admission is appropriate, depending on bond class and carrier. How quickly can I get a bond issued?We offer fast turnaround, especially for bid and performance bonds. Actual timing depends on submission completeness and bond type. Do you work with new or financially challenged contractors?Yes. We have flexible underwriting and non-standard market access to help place accounts with challenging financials. Which states is this program available in?The program is available in most states, including AL, FL, TX, GA, PA, and many others. Contact us to confirm availability in your client’s state. Need help placing an account? Connect with a market specialist.

Liquor Manufacturing Allstar Underwriters offers liquor liability insurance geared to liquor manufacturers. Our small business solutions division makes it quick and easy for agents to quote and bind eligible accounts. Contact one of our underwriters to discuss specific risk details and to get a tailored quote for your client. Overview of the Program from Allstar Financial Group This Liquor Manufacturing program is designed for producers of alcoholic beverages — from craft distilleries to larger beverage manufacturers — who need liquor liability placed through a dedicated underwriting platform. Allstar Financial Group provides flexible solutions through multiple carrier relationships and can place accounts on a monoline or package basis. Limits range from $100K/$100K up to $1M/$2M, and assault & battery coverage follows general liability where applicable. Ideal Accounts and Appetite Small to mid-sized craft distilleries and spirits producers Contract bottlers, co-packers, and beverage manufacturers with controlled on-site operations Manufacturers with limited retail tasting rooms or on-site samplings (underwriting review required) Accounts with sound risk management, training programs, and reasonable gross receipts relative to operations Not typically a fit: retail-only liquor stores, bars/nightclubs with high assault risk, or manufacturers with significant off-site events and poor loss controls. Underwriting will review single-event exposures and distribution practices before binding. Coverage Highlights and Advantages Limits available from $100K/$100K up to $1M/$2M Monoline liquor liability or package placements with GL and other lines Assault & battery follows general liability when included Access to multiple carriers through Allstar’s MGA and E&S relationships Fast quoting and binding workflow for eligible small business accounts Underwriting Notes and Minimum Premiums Underwriting focuses on operations, distribution practices, on-site sales/tastings, and training/controls. Provide clear details on production volumes, annual gross sales from alcoholic beverages, whether tastings or tours are offered, and any prior liquor-related claims. Minimum premium varies by account and territory — provide full submission details to receive an accurate indication. Territories and Admitted Positioning Program availability is currently focused in GA, NC, SC, TN, and VA. The program is listed as "Most Available States" for broader carrier access; availability and admitted vs. non-admitted placement varies by state and risk characteristics. Contact underwriting to confirm admitted or excess & surplus options for a specific account. Why Work with Allstar Financial Group on Liquor Manufacturing Business Specialized underwriting for liquor manufacturing exposures with multiple carrier options Quick entry for small business accounts via an efficient quoting/binding process Dedicated underwriters experienced with distilleries, contract bottlers, and related manufacturing operations Ability to write monoline liquor liability or combine with package solutions when appropriate Example Fits You have a craft distillery with on-site tours and limited tastings, clean loss history, and annual spirits sales under the program thresholds — this is a typical fit for our monoline liquor liability limits. A mid-sized beverage manufacturer seeking higher aggregate limits and a package placement for GL and liquor liability can benefit from Allstar’s carrier panel and underwriting flexibility. Frequently Asked Questions What types of liquor manufacturing accounts are a good fit for this program?Good fits are craft and mid-sized distilleries, contract bottlers, and beverage manufacturers with controlled on-site operations, limited off-site events, and documented risk controls. What limits and coverages are available?Limits start at $100K/$100K and are available up to $1M/$2M. The program can be written monoline or packaged, and assault & battery follows general liability where provided. Which states are supported by this program?The program currently writes in GA, NC, SC, TN, and VA. Allstar notes "Most Available States" for broader carrier access — contact underwriting to confirm admitted vs. E&S availability for a specific state. What information should I include in a submission?Include production volumes, annual alcohol-related gross sales, description of on-site activities (tastings, tours), distribution channels, loss history, and any training or controls you have in place. How do I get a quote or bind coverage?Submit full risk details to Allstar’s underwriting team. The small business solutions division is set up to provide quick quotes and the ability to bind eligible accounts; reach out to the underwriter listed on the program for next steps. Need help placing an account? Connect with a market specialist.

Mercantile Insurance Allstar Financial Group, through its Allstar Underwriters division, offers a comprehensive Mercantile Insurance program tailored for small to mid-sized businesses. Designed for independent agents and brokers seeking fast, flexible, and competitive solutions, this program includes Property, Casualty, and Umbrella coverages. With access to multiple carriers and underwriting expertise, Allstar makes it easy to quote and bind coverage quickly through its Small Business Solutions division. Ideal Accounts and Appetite The Mercantile Insurance program is built to accommodate a broad range of commercial risks, including: Retail and Wholesale Operations Contractors and Construction-related Businesses Habitational and Institutional Properties Office Buildings and Professional Services Vacant Properties Whether your client is a general contractor, a retail shop owner, or manages a vacant commercial property, this program offers solutions that meet a wide range of needs and exposures. Coverage Highlights and Advantages Property Coverage Total Insured Value (TIV) up to $5 million per location Available as monoline or packaged policies No coinsurance options (subject to risk type) Optional enhancements, including equipment breakdown Casualty Coverage Monoline or packaged options Minimum premium starting at $500 Primary limits up to $5 million / $5 million Project-specific policies available Coverage for uninsured subcontractors Optional endorsements such as: Blanket Additional Insured Waiver of Subrogation Primary Non-Contributory Per Project / Per Location Aggregate Hired & Non-Owned Auto (select classes) Miscellaneous Professional Liability (select classes) Umbrella Coverage Limits available up to $5 million Minimum premium from $750 Supported and unsupported options Underlying requirements include carriers rated A-VI or better (Auto/GL) and B++ or better (Employers Liability) GL limits must meet $1 million / $2 million / $2 million minimums Underwriting Notes and Minimum Premiums Minimum premiums vary by line of coverage and risk type, starting at $500 for Casualty and $750 for Umbrella coverage. Allstar Underwriters is experienced in handling a wide range of mercantile risks and offers flexible underwriting and optional enhancements to tailor coverage. Monoline or package policies are available depending on your client's needs. Territories and Availability This program is available in most states, with a strong focus on the Southeastern U.S., including Alabama, Georgia, Louisiana, Mississippi, North Carolina, South Carolina, Tennessee, and Virginia. Admitted and non-admitted options are available depending on the state and class of business. Why Work With Allstar Financial Group? Allstar Financial Group is a Managing General Underwriter and E&S Broker with a reputation for responsive service and underwriting expertise. Their Mercantile Insurance program is backed by multiple carriers and designed to streamline the placement process for agents and brokers. With quick turnaround times and flexible options, Allstar makes it easier to serve your small business clients across a wide range of industries. You might have a retail client needing a quick package quote including property and liability, or a contractor requiring project-specific liability with optional umbrella limits — Allstar has the tools and market access to help you place that business efficiently. Frequently Asked Questions What types of accounts are a good fit for this program?This program is ideal for contractors, retail and wholesale businesses, habitational properties, office buildings, institutional risks, and vacant properties. Can I write monoline coverage or must it be packaged?You can write either monoline or package policies depending on the client's needs and the line of business. What is the minimum premium for Casualty and Umbrella coverage?Casualty coverage starts at $500 minimum premium, while Umbrella coverage starts at $750. Actual premiums may vary based on the specific risk. Which states is this program available in?This program is available in most states, with a primary focus on AL, GA, LA, MS, NC, SC, TN, and VA. Are enhancements like Additional Insured and Waiver of Subrogation available?Yes, optional enhancements such as Blanket Additional Insured, Waiver of Subrogation, and others are available for qualifying classes. Need help placing an account? Connect with a market specialist.