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A Performance Bond guarantees a contractor’s faithful performance of the terms of a written contract...nd coverage along with the primary performance bond as needed. How fast can Allstar issue a Performance Bond?Allstar is known for quick...

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.

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Construction Insurance Allstar Underwriters, a division of Allstar Financial Group, offers a specialized Construction Insurance program designed to help agents place business with a wide range of construction-related risks. As a Managing General Underwriter and Excess & Surplus Lines Broker, Allstar provides flexible underwriting options and responsive service tailored to the needs of contractors and related industries. Our Small Business Solutions division streamlines the quoting and binding process, making it fast and efficient for agents to secure coverage for their clients. Whether your insured is a general contractor, a subcontractor, or operates in associated fields like retail buildouts or tenant improvements, we offer scalable solutions to meet their risk profiles. Ideal Accounts and Appetite This program is well-suited for a variety of construction and real estate-related risks, including: Contractors (general and trade-specific) Habitational properties Office buildings Vacant properties Retail and wholesale spaces Institutional facilities You might have a client who operates a small general contracting firm with occasional use of uninsured subcontractors—this program can offer the flexibility and coverage enhancements to help manage their liability exposures. Coverage Highlights and Advantages Casualty Coverage: Available as monoline or part of a package Minimum premium starting at $500 Primary liability limits up to $5 million per occurrence/$5 million aggregate Project-specific policies available Coverage available for accounts with uninsured subcontractors Optional enhancements, including: Blanket Additional Insured Waiver of Subrogation Primary & Non-Contributory wording Per Project/Per Location Aggregate Limits Hired & Non-Owned Auto (certain classes) Miscellaneous Professional Liability (certain classes) Umbrella Coverage: Limits available up to $5 million Minimum premium starting at $750 Supported or unsupported options Underwriting Notes and Minimum Premiums Allstar works with multiple carriers and can access both admitted and non-admitted markets, depending on the risk and state. Minimum premiums vary by type of coverage and account profile, but start as low as $500 for casualty and $750 for umbrella. Underlying carrier requirements include: Auto or GL carriers rated A-VI or better by AM Best Employers Liability carriers rated B++ or better Standard GL requirements: $1M/$2M/$2M Territories and Availability This program is available in most states, with a strong presence in the Southeast. States currently targeted include: AL, GA, LA, MS, NC, SC, TN, and VA. Why Work With Allstar Financial Group Allstar Financial Group brings deep expertise in construction-related insurance and offers agents a streamlined way to place challenging or niche accounts. With access to multiple carriers and a dedicated underwriting team, Allstar provides responsive service, competitive pricing, and flexible options that help you serve your clients more effectively. Whether you're placing a ground-up construction project, a rehab of a vacant property, or a contractor with complex subcontractor exposures, Allstar is a reliable partner for construction insurance solutions. Frequently Asked Questions What types of construction risks are eligible for this program?The program targets contractors, habitational risks, offices, vacant buildings, retail/wholesale spaces, and institutional properties. Can I place accounts with uninsured subcontractors?Yes, the program accepts certain risks with uninsured subcontractors and offers optional coverage enhancements to address this exposure. Are project-specific policies available?Yes, project-specific general liability policies are available as part of the construction insurance offerings. What is the minimum premium for coverage?Casualty coverage starts at a minimum premium of $500, while umbrella coverage starts at $750. Actual premiums may vary based on the account. Which states is this program available in?The program is available in AL, GA, LA, MS, NC, SC, TN, and VA, with broad access in most other states. Need help placing an account? Connect with a market specialist.

Policy Highlights: Heavy truck sales and repair operations have complex garage, liability and physical damage exposures. Colonial General Insurance Agency, Inc. offers a targeted program — Heavy Truck Sales and Repair Shop Insurance — designed for agents placing commercial garage and dealer risks across the Mountain West and Southwest. The program combines specialized garage liability, garagekeepers and dealers physical damage options with in-transit and towing coverages to address the most common heavy-truck exposures. Overview of the Program from Colonial General Insurance Agency, Inc. As a Managing General Agency and Excess & Surplus Lines broker, Colonial General places heavy truck sales and repair risks with a variety of admitted and non-admitted markets (Some Available Markets). The program offers flexible limits and coverages tailored for medium to large commercial garage operations, heavy truck dealerships and mobile repair contractors. Carriers vary by state and account characteristics. Ideal Accounts and Appetite Heavy truck dealerships and resale yards that also perform on-site repairs. Full-service repair shops specializing in heavy trucks, trailers and heavy equipment. Mobile heavy truck repair contractors servicing fleet accounts or roadside repairs (acceptable). Towing and in-transit operations associated with sales or repair activities. Accounts that generally do not fit: businesses that perform liquefied petroleum gas (LPG) equipment repairs and facilities that do refrigeration or HVAC unit repair — these are specifically prohibited. Coverage Highlights and Advantages Commercial garage coverage with up to $3,000,000 liability aggregate. Garage liability limits available up to $1,000,000 per accident. Garagekeepers coverage available on a primary basis (specified causes of loss). Dealers physical damage and in-transit coverage for towing operations. Broadened coverage options and fire legal liability included as available. $5,000 medical payments (as part of standard offerings). Property coverage can be added where needed. Underwriting Notes and Restrictions Underwriters will review the applicant’s loss history, shop operations, types of vehicles serviced, and any towing/in-transit exposure. Mobile repair operations are acceptable; however, repairs involving liquefied petroleum gas equipment or refrigeration units are excluded. Garagekeepers coverage is offered on a primary basis but limited to specified causes of loss, so review storage and customer vehicle exposure carefully. Because carriers vary, admitted availability depends on the state and account specifics — Colonial General can place some accounts in admitted markets and others in E&S. Provide complete operation descriptions, estimated payroll, annual receipts, and detailed loss runs to help secure the most competitive placement. Territories and Availability The program is available in AZ, CA, CO, ID, NV, NM, UT and WY. Coverage forms, endorsements and admitted status can differ by state; Colonial General will identify admitted options where available and use E&S markets when necessary. Why Work with Colonial General Insurance Agency, Inc.? Colonial General combines garage-focused underwriting expertise with access to multiple carriers to handle complex heavy truck sales and repair risks. Agents benefit from tailored coverage options (garage liability, dealers physical damage, garagekeepers, in-transit), flexible limit structures and a willingness to consider mobile repair and towing operations that many standard markets decline. The MGA/E&S placement capability helps fill gaps when admitted markets are limited. Example account scenarios You have a heavy truck dealership that sells used trucks and operates an on-site repair bay: the program can combine dealers physical damage with garage liability and garagekeepers on a primary basis. You represent a mobile heavy-truck repair contractor servicing regional fleets: Colonial General can consider in-transit and towing exposures as part of a broader garage package. Frequently Asked Questions What types of accounts are a good fit for this program?Heavy truck dealerships, full-service repair shops, and mobile heavy truck repair contractors are the primary targets. Towing/in-transit exposure related to sales and repair operations is also supported. Are mobile repair operations accepted?Yes. Mobile heavy truck repair is acceptable under this program, but detailed operations and exposures must be disclosed for underwriting review. Which coverages and limits are available?The program offers commercial garage coverage with up to $3,000,000 aggregate, garage liability limits up to $1,000,000 per accident, garagekeepers (primary, specified causes), dealers physical damage, in-transit coverage and property options. Specific offerings depend on carrier and state. Are any repairs or services excluded?Yes. Repairs to liquefied petroleum gas (LPG) equipment and work on refrigeration units are prohibited under this program and will render an account ineligible. Need help placing an account? Connect with a market specialist.

Overview — Colonial General Insurance Agency, Inc. Colonial General Insurance Agency, Inc. offers the Communications Equipment Contractors Program—Residential Insurance to help agents place property and liability coverage for contractors who install, service, and repair residential communications systems. This program is designed specifically for small to mid-size contractors working on television cable, satellite dishes, home networking and computer equipment, telephones, and related electrical communications apparatus. Policy Highlights: Property and liability coverages are available on a mono-line or package basis for contractors engaged in residential installation, service and repair of communications systems such as television cable and satellite dishes, computers, telephones, and other electrical apparatus related to communications. Commercial General Liability Coverage available Primary limits up to $3,000,000 occurrence/aggregate Errors & Omissions (E&O) coverage part — policy limits available Excess/umbrella limits up to $25,000,000 Included coverages: Additional interests Medical payments — $5,000 limit Lost key coverage — $25,000 limit Property damage extension (care, custody and control) — policy limits up to a maximum of $200,000 per occurrence / $300,000 aggregate No deductible required (subject to underwriting) Property Coverage available Accounts receivable Basic, broad, or special form Building and business personal property Business income Computer equipment Contractor’s equipment Equipment breakdown Outside signs Replacement cost or actual cash value Valuable papers Crime Coverage available Inside the premises — theft of money and securities Inside the premises — robbery or safe burglary of other property Outside the premises Ideal Accounts and Appetite This program is a fit for independent contractors and small companies that primarily perform residential communications work: satellite and cable installation, home audio/video and networking, telephone and low-voltage data wiring, and similar services. Typical insureds are mobile crews or small shops with limited storage of client property and minimal exposures from heavy construction operations. Generally not a fit: large commercial contractors, businesses performing extensive structural or high-voltage electrical work, significant fiber-splicing projects with elevated third-party exposure, or accounts with frequent high-value subcontractor liability without proper controls. Coverage Advantages Broad limit options for GL and excess/umbrella to accommodate growing contractors E&O coverage available — important for installation and service errors Property forms and equipment coverage tailored for contractor tools and mobile operations Optional crime coverages to address theft and employee-related loss exposures Available on admitted and excess & surplus lines markets depending on state — see availability below Underwriting Notes Underwriters will review payroll, annual receipts, percentage of residential vs. commercial work, subcontractor usage, driving records for mobile crews, and loss history. Premium and terms vary by state and carrier; carriers for this program vary by risk. No minimum premium is published on this page — contact Colonial General for current submission guidelines and markets. Example accounts A two-crew residential satellite and TV installer with under $1M in receipts, company-owned trucks, and a modest tool inventory — potential fit for package GL + property + E&O. A small home networking/IT contractor who performs in-home installs and provides limited on-site service agreements — fits well with GL limits and E&O coverage for installation errors. Territories and Admitted Status States available: AZ, CA, CO, ID, NV, NM, UT, WY. Markets vary by state; Colonial General places business through admitted and excess & surplus markets depending on the carrier and risk characteristics (Some Available Markets). Why Work With Colonial General Specialized program focused on communications equipment contractors, with program terms and endorsements tailored to common exposures in this niche. Access to multiple carriers and capacity for primary, E&O, and large umbrella limits. Flexible package options — mono-line or combined property/liability placements. Experienced underwriting that understands trade practices for residential installers and service providers. Frequently Asked Questions What types of accounts are a good fit for this program?Small to mid-size contractors who focus on residential communications work — TV/cable/satellite installers, home networking/IT installers, telephone and low-voltage wiring contractors — with primarily in-home work and limited heavy construction exposures. What limits and coverages can I access?General liability primary limits are available up to $3,000,000 occurrence/aggregate, E&O coverage at policy limits, and excess/umbrella up to $25,000,000. Property, equipment, and crime coverages are also available in various forms. Are policies admitted or non-admitted?Availability depends on the state and the carrier — Colonial General places accounts in both admitted and excess & surplus markets as appropriate (Some Available Markets). Underwriting will determine the best market for each risk. What information should I include with a submission?Provide a completed application, loss run for the past 3–5 years, revenue breakdown (residential vs. commercial), payroll and subcontractor detail, vehicle list and driving records for mobile crews, and a description of equipment and storage practices. Colonial General can provide detailed submission requirements for the target carrier. Need help placing an account? Connect with a market specialist.

Policy Highlights: Bus sales and repair operations carry specialized exposures that standard commercial programs often don’t address. Colonial General Insurance Agency, Inc. offers a Bus Sales and Repair Shop Insurance program through its Garage department that combines targeted garage liability, garage keepers, and physical damage options with underwriting expertise for sellers, converters, and repairers of buses and motorcoaches. The program is designed so you can place complex garage risks with confidence across sales, conversions, towing and repair operations. Ideal Accounts and Appetite This program works well for accounts involved in: Bus sales (new and used dealerships) Bus repair, maintenance, and full-service shops Bus conversions and remodels (RV or specialty conversions) Remodeling, retrofitting, and specialty upfitting of buses Accounts that include limited towing or in-transit exposures can also be considered. Colonial General is set up to handle both straightforward dealer risks and more complex garage operations where multiple exposures—sales, repair, storage, and transit—need to be combined on a single program. Coverage Highlights and Advantages Colonial General offers a focused suite of garage coverages and endorsements tailored for bus-related operations, including: $3,000,000 liability aggregate $5,000 medical payments Broadened coverage endorsements to expand standard garage forms Dealers Physical Damage (for inventory and owned units) False Pretense coverage to address misrepresentation/exposure on sales Fire Legal Liability for premises exposures Garage Keepers coverage on a primary basis (with specified causes of loss) Garage Liability limits up to $1,000,000 per accident In-transit coverage for towing and delivery operations Optional property coverage for shop and contents These elements let you package liability, customer vehicle protection, and physical damage under one coordinated policy—helpful when clients both sell and service buses or perform conversions. Underwriting Notes and Minimum Premiums Colonial General underwrites accounts on a case-by-case basis and places business with a panel of admitted and surplus markets to find the best fit. While specific minimum premiums are not published, well-prepared submissions move faster: include detailed descriptions of operations, schedules of vehicles, recent loss runs, and any safety or shop control procedures. Preferred risks show clear operations, organized inventory controls, documented conversion procedures, and a reasonable loss history. Higher-exposure accounts (extensive heavy towing, large fleets with frequent interstate transit, or unlicensed conversion operations) may require enhanced terms or referral. Example: You might have a mid-size bus dealer that also offers repair and occasional towing. This program can combine garage liability, garage keepers, and dealers physical damage to cover sales inventory and customer buses while in the shop or during transit. Territories and Availability Available in select Western states: AZ, CA, CO, ID, NV, NM, UT, and WY. Some elements may be placed on an admitted basis where markets are available; other coverages may be written non-admitted depending on the state and risk characteristics. Colonial General will evaluate placement options at submission. Why Work With Colonial General? As a Managing General Agency and Excess & Surplus Lines Broker, Colonial General provides specialized garage underwriting and access to multiple markets for admitted and E&S placements. Their Garage department focuses on garage-specific exposures, which helps you secure tailored coverage forms and endorsements for bus dealerships, conversion shops, and repair facilities. Working with Colonial General gives you responsive underwriting, flexible program structure, and market access for complex or niche garage risks. Frequently Asked Questions What types of accounts are a good fit for this program?Bus dealerships, repair shops, towing operations, and businesses that convert or remodel buses for RV or specialty use are the primary targets for this program. Is Garage Keepers Coverage included?Yes. Garage Keepers Coverage is available on a primary basis with specified causes of loss to protect customers’ buses while in your client’s care, custody, or control. Are bus conversion operations eligible?Yes. Accounts that perform conversions or retrofits for RV, specialty, or commercial use are eligible, provided conversions are documented and the operations meet underwriting criteria. In which states is the program available?The program is available in Arizona, California, Colorado, Idaho, Nevada, New Mexico, Utah, and Wyoming. What limits are available under Garage Liability?Garage Liability limits are available up to $1,000,000 per accident, with aggregate options up to $3,000,000 depending on the risk and placement. Need help placing an account? Connect with a market specialist.

...s guarantee a notary’s faithful performance of official duties and protect the...

Policy Highlights: Colonial General Insurance Agency, Inc. provides a dedicated Detective Agency Insurance program for agents placing private investigators, security firms, and related exposures. The program is built to address the specialized risks of private investigators, armed and unarmed security guards, K-9 units, polygraphists, process servers, firearms trainers/certification schools, and claims adjusters with limited draft authority (up to $5,000). It combines flexible liability limits, optional E&O, property and crime solutions, and excess capacity to help you place complex or niche accounts. Ideal Accounts and Appetite This program is well-suited for a range of investigative and security operations, including: Private investigation firms performing surveillance, background checks, skip tracing, or witness location Security companies providing on-site armed or unarmed guard services Organizations using trained animals for patrol or detection duties (K-9 units) Process serving and legal support services Firearms training and certification schools or instructors Claims adjusters with limited draft authority (typically up to $5,000) Colonial General can place both new startups and established firms. Typical fits are operations with formal training, written procedures, and reasonable loss-control measures. Higher-risk operations (e.g., contractors with extensive use of force, high-value executive protection with complex travel exposures, or accounts with significant regulatory or disciplinary history) may require additional underwriting review or alternative placement. Coverage Highlights and Advantages Commercial General Liability Coverage: Primary limits up to $3,000,000 per occurrence and aggregate $5,000 Medical Payments included Assault and Battery coverage included at policy limits; sub-limits can be selected for premium savings Errors & Omissions (E&O) Coverage Part available to address professional liability exposures Lost Key Coverage—$25,000 limit included for eligible Security and Patrol accounts Property Damage Extension for Care, Custody & Control—options such as $5,000 / $25,000 limits Additional interest reporting—$100 each Excess and umbrella capacity available up to $25 million Access to loss prevention resources and underwriting guidance Property Coverage: Available on Basic, Broad, or Special forms Options for Building, Contents and Business Income coverage Choice of Replacement Cost or Actual Cash Value valuation Crime Coverage: Theft of Money and Securities (inside the premises) Robbery or safe burglary of other property (inside the premises) Coverage for specified loss exposures occurring outside the premises Underwriting Notes and Minimum Premiums Colonial General underwrites these accounts with flexibility and a focus on operational controls. Underwriters evaluate each risk based on operations, training, weapon/force usage, hiring practices, contract wording, loss history, and geographic exposures. Minimum premiums and binding requirements vary by class and state; accounts are reviewed case-by-case to determine the appropriate structure and pricing. Helpful submission items: current applications, sample contracts, client training and hiring policies, loss runs, and details on weapons handling or K-9 certification where applicable. Territories and Availability This Detective Agency Insurance program is currently available in the Western states of Arizona, California, Colorado, Idaho, Nevada, New Mexico, Utah, and Wyoming. Colonial General offers admitted and non-admitted placement options depending on the state, risk characteristics, and capacity needs. Confirm availability for a specific account during submission. Why Work With Colonial General? As a Managing General Agency and Excess & Surplus Lines Broker, Colonial General brings deep niche expertise and broad market access for investigative and security risks. You gain: Specialized underwriting that understands the operational nuances of private investigators and security firms Access to multiple carriers and excess capacity—useful for layered limits or difficult-to-place exposures Flexible package or monoline options to tailor coverage to each insured’s needs Supportive placement process and loss-control resources to help mitigate exposures and improve insurability Example scenarios that fit well: You might have a mid-sized security company that provides armed on-site guards and wants combined GL, assault & battery, and excess limits; or a private investigation firm that needs general liability plus E&O for surveillance and background-check services. Colonial General can evaluate those accounts and propose tailored solutions. Frequently Asked Questions What types of accounts are a good fit for this program?Private investigators, armed and unarmed security companies, K-9 units, process servers, polygraphists, firearms training schools, and claims adjusters with limited draft authority are typically a good fit. Is Assault and Battery coverage included?Yes. Assault and Battery is included at policy limits; you can request sub-limits to reduce premium where appropriate. Are monoline and package policy options available?Yes. Colonial General offers both monoline and package policy structures to match the client’s coverage needs and budget. In which states is this program offered?The program is available in AZ, CA, CO, ID, NV, NM, UT, and WY. Availability may vary by admitted vs. non-admitted options. Can I get Excess or Umbrella coverage with this program?Yes. Excess and umbrella limits are available up to $25 million for qualifying accounts to provide layered liability protection. Need help placing an account? Connect with a market specialist.