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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.

... Life Sciences Companies Manufacturing and Distribution Operations E...15 light/medium duty trucks, or a manufacturing company with a mix of delivery...

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.

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.

...m regional warehouses to specialty parts centers — and is structured so you ca...nd non-durable goods — including auto parts, furniture, electrical equipment, ...