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Auto and Trucking Workers' Compensation Program from Phoenix Risk Management Phoenix Risk Management offers a specialized Workers' Compensation program tailored to meet the needs of clients in the auto and trucking industries. Designed for insureds with existing coverage and a minimum of two years in business, this guaranteed cost program is available for a wide range of general classes while accommodating new ventures and risks with prior coverage lapses. As a Managing General Agency and Excess & Surplus Lines Broker, Phoenix Risk Management brings access to multiple carrier options, ensuring flexibility and customization for your clients' unique risk profiles. Whether you're placing business for a local delivery fleet or a regional long-haul trucking operation, this program helps address the complex injury and liability exposures these businesses face. Ideal Accounts and Appetite This program is well-suited for businesses in the auto and trucking sectors, including: Local and regional trucking companies Auto repair and service shops with fleet operations Transport and delivery businesses with commercial drivers New ventures in trucking or auto-related fields Accounts with gaps in prior workers' comp coverage You might have a client who recently launched a freight delivery business and is looking for their first Workers' Compensation policy or a company that had a lapse but now needs coverage to meet contractual or regulatory demands—this program may be a strong fit. Coverage Highlights and Advantages Phoenix Risk Management’s Workers' Compensation program offers: Guaranteed cost coverage for predictable premium planning Flexibility for new ventures and businesses with prior coverage lapses Access to multiple carriers for broader underwriting options Support for insureds with moderate to complex operational risks Claims handling and underwriting services are provided through experienced partners who understand the nuances of transportation and auto-related risks. Underwriting Requirements and Minimum Premiums The minimum premium for this program starts at $1,500.00. To obtain a quote, agents must submit: A completed ACORD Application (with FEIN), signed and dated A completed PRM Supplemental Application, signed and dated For the best quote, also include: At least 4 years (preferably 5) of currently valued Loss Runs (within 90 days of effective date) 4 years of aggregate payroll data Current Experience Mod (X-Mod) Worksheet, if available Detailed reports for any losses exceeding $50,000 Territories and Availability This program is available on a non-admitted basis in the following states: 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. Why Work With Phoenix Risk Management Phoenix Risk Management brings deep expertise in placing Workers' Compensation coverage for transportation and auto-related businesses. As an MGA and E&S broker partnered with multiple carriers, they offer flexible underwriting, quick turnaround, and solutions for challenging risks. Whether you're working with an established trucking firm or a new venture needing guidance, PRM is a strong partner for your Workers' Comp placements. Frequently Asked Questions What types of accounts are a good fit for this program?This program is ideal for trucking companies, delivery operations, auto service businesses with fleets, and new ventures in the transportation sector. Can I submit accounts with prior lapses in Workers' Comp coverage?Yes, Phoenix Risk Management accepts risks with prior coverage lapses, provided other underwriting criteria are met. What documents are required to get a quote?You’ll need a signed and dated ACORD application (with FEIN) and the PRM Supplemental Application. For the best quote, include 4–5 years of loss runs, payroll history, X-Mod worksheet (if available), and details on large losses. Is this program available for new ventures?Yes, new ventures in auto and trucking may be eligible, even without prior Workers' Comp coverage. What is the minimum premium for this Workers' Comp program?The minimum premium starts at $1,500, though actual premiums may vary based on underwriting details. Need help placing an account? Connect with a market specialist.

Allied American Underwriters (AAU) is a specialty product provider and commercial lines program manager. Currently, there are five divisions: Workers Compensation, Programs, Environmental, Personal Lines, and Bonds. AAU can consider standard workers' comp, hazardous workers' comp, staffing workers' comp, USL&H workers' comp, and large account workers' comp. Programs consist of Commercial Storage Tanks, Dealers Storage Tanks, Dance Schools, Educational Institutions, Non-Profit and Human Services, Religious Institutions, Security and Alarm, Special Events, and Youth & Adult Team Sports. AAU takes great pride in playing an integral part in the growth of your agency to develop a book of business together. AAU is a division of USG Insurance Services, Inc., a national wholesaler and managing general agent (MGA) with 18 offices across the country and the ability to write in all 50 states. AAU's flagship office is located in Canonsburg, Pennsylvania. AAU's Dealers Storage Tanks Program offers coverages with the exposures of dealerships in mind. Targeted Classes Include: Auto Dealers Auto Service Stations Auto Rental & Leasing Parking Auto Painting Auto Glass Oil Change & Lubrication General Auto Repair And More! Features: Optional Extended Reporting Periods Available Limits up to $5M Equal Standalone Defense Limits Available Deductibles Starting at $5,000 10-Year Retroactive Date Available Tanks up to 30 Years Old Older Tanks May Be Considered with Additional Underwriting Commercial Use Only, No Personal Tanks

Package/Liquor Store Insurance Allstar Financial Group, a Managing General Underwriter and Excess & Surplus Lines broker, offers a focused insurance program for package and liquor store operations. Through our Small Business Solutions division, we provide a streamlined quoting and binding process so agents and brokers can move quickly on behalf of their clients. Whether the account is a single neighborhood liquor shop or a multi-location retail operator, this program addresses the primary exposures across property, casualty, liquor liability, and umbrella coverages. Ideal Accounts and Appetite This program is designed for a range of retailers in the packaged goods and beverage space. It is especially well-suited for: Independent liquor and package stores Package stores with refrigeration or cold-storage units Retail locations selling beer, wine, and spirits Multi-location operators (TIV up to $5M per location) We also consider related retail and wholesale risks and select classes in contractors, habitational, offices, institutional, and vacant properties depending on the coverage line. Coverage Highlights and Advantages Property Coverage Total Insured Value (TIV) up to $5 million per location Available as monoline or packaged policy No-coinsurance options where applicable Optional enhancements, including equipment breakdown coverage Casualty Coverage Available as monoline or as part of a package Minimum premiums starting at $500 (varies by risk) Primary general liability limits up to $5M / $5M Project-specific or location-specific forms available Options for coverage addressing uninsured subcontractors Available enhancements include: Blanket Additional Insured Waiver of Subrogation Primary & Non-Contributory wording Per Project / Location Aggregate Hired & Non-Owned Auto (class-specific) Miscellaneous Professional Liability (class-specific) Liquor Liability Limits from $100K/$100K up to $1M/$2M Assault & Battery coverage follows General Liability terms Liquor liability available in NC, SC, GA, TN, and VA Umbrella Coverage Limits up to $5 million Minimum premiums start at $750 (varies by risk) Available on a supported or unsupported basis Underlying carrier requirements: AM Best A-VI or better for GL/Auto; B++ or better for Employers Liability Underwriting Notes and Minimum Premiums Minimum premiums vary by coverage line; General Liability and Umbrella minimums begin at the levels noted above but are evaluated per risk. Allstar reviews each submission individually and can offer monoline or package solutions with optional enhancements to tailor coverage to a client’s operations and exposures. Territories and Availability This program is available in most states, with strong placement capabilities in AL, GA, LA, MS, NC, SC, TN, and VA. Liquor liability is currently offered in NC, SC, GA, TN, and VA. Most coverages are placed non-admitted through a panel of markets. Why Work With Allstar Financial Group? Allstar brings deep expertise in small business and specialty retail risks. Our underwriters understand the unique exposures liquor and package stores face—managing liquor liability, protecting high-value inventory, and ensuring appropriate umbrella limits. Agents benefit from competitive pricing, flexible forms, and quick turnaround through our Small Business Solutions workflow. You might have a client who just opened a liquor store in Georgia and needs bundled property, general liability, and liquor liability coverage—or a long-standing multi-location retailer seeking improved limits and broader umbrella protection. Allstar is set up to help you place those accounts efficiently. Frequently Asked Questions What types of accounts are a good fit for this program?This program is ideal for package and liquor stores, including single-location retailers and multi-location operators. Related retail and wholesale risks may also qualify depending on the coverage line. Is liquor liability available in all states?No. Liquor liability coverage is currently offered in NC, SC, GA, TN, and VA. Can I write monoline coverage, or does it have to be a package?You can place monoline or package policies. Allstar offers flexibility across property, casualty, and liquor liability lines to meet client needs. What is the minimum premium for this program?Minimum premiums vary by coverage type. General Liability minimums start around $500 and Umbrella minimums start around $750; however, final minimums depend on the specific risk and coverages selected. How quickly can I get a quote and bind coverage?Allstar Financial Group’s Small Business Solutions division is designed for fast turnarounds. Most submissions can be quoted and bound quickly once complete underwriting information is submitted. Need help placing an account? Connect with a market specialist.