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Ck Specialty Insurance Associates, Inc. offers comprehensive solutions for a wide range of garage-related risks, from small auto repair shops to antique car restoration businesses. Overview of the Dealers and Non-Dealers Garage Insurance Program As a general agency and excess & surplus lines broker, Ck Specialty Insurance Associates, Inc. provides agents access to a robust Garage Insurance Program tailored to both dealers and non-dealers. Whether your clients operate in light auto repair or work with heavy trucks, this program is designed to cover a wide variety of exposures in the automotive services and sales sector. Ideal Accounts and Appetite This program targets a broad range of businesses involved in vehicle sales, repair, and related services. Common classes include: Wholesale Auto Dealers & Brokers Heavy Truck Dealers & Repair Shops Antique and Classic Car Sales and Restoration Motorcycle, RV, and Golf Cart Dealers Auto Body and Paint Shops Mobile Repair Services and Roadside Assistance Providers Valet Services, Parking Garages, and Impound Yards Franchised and Non-Franchised Used Auto Dealers Car Washes, Auto Detailers, and Vinyl Wrapping Installers Whether your client is an established new car dealer or a startup mobile repair technician, Ck Specialty can help place the right coverage. Coverage Highlights and Advantages The program offers a wide array of coverages to ensure your clients are protected against both common and unique exposures, including: Property Coverage Garage Liability Garage Keepers Legal Liability Dealers Open Lot Hired and Non-Owned Auto Errors & Omissions – Dealers, Odometer & Title Directors & Officers (D&O) Employment Practices Liability Insurance (EPLI) Umbrella/Excess Liability Broadened Coverage Options Special Events Coverage Service Vehicle Liability and Physical Damage This flexible offering allows agents to tailor coverage to the specific needs of each client, whether they operate on-site, offer mobile services, or host public events. Underwriting Notes and Minimum Premiums The program is written on a non-admitted basis through AM Best “A” rated carriers, offering flexibility in underwriting and coverage design. Minimum premiums start at $750, making this an accessible solution for a wide range of garage operations. Territories and Availability This program is currently available in Arizona, California, and Colorado. If you’re working with clients in these states, Ck Specialty can help you place coverage with strong market access and underwriting support. Why Work With Ck Specialty Insurance Associates, Inc.? Ck Specialty brings deep expertise and a flexible approach to garage-related risks. As a general agency and E&S broker, they have access to top-rated carriers and understand the nuances of the automotive service and sales industry. Their team is committed to responsive service and helping agents find the right market for hard-to-place or niche accounts. You might have a client restoring antique vehicles in a small shop or a dealer specializing in heavy trucks and towing services. Ck Specialty has the tools and markets to help you secure the right protection for these unique exposures. Contact Ck Specialty today to learn more about placing your garage accounts. Frequently Asked Questions What types of accounts are a good fit for this program?The program is ideal for auto dealers (both franchised and non-franchised), repair shops, mobile mechanics, antique car restorers, RV and motorcycle dealers, and other vehicle-related businesses. What states is this program available in?This program is currently available in Arizona, California, and Colorado. Is this program written on an admitted or non-admitted basis?The program is written on a non-admitted basis through AM Best “A” rated carriers. What is the minimum premium for this program?Minimum premiums start at $750, depending on the specific risk and underwriting details. Can this program cover mobile or off-site operations?Yes, the program can accommodate mobile repair services, roadside assistance, and certain off-site exposures, subject to underwriting approval. Need help placing an account? Connect with a market specialist.

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.

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Policy Highlights: Colonial General Insurance Agency, Inc. offers a landscaping insurance program designed for landscape contractors whose primary operations include lawn care, sprinkler installation and maintenance, and incidental tree trimming (tree trimming must be less than 15% of total sales). This program is not intended for landscape architects who only design and do not perform work, or for contractors who subcontract the majority of their work. Commercial General Liability — Key Features Primary limits available up to $3,000,000 occurrence / aggregate Blanket Additional Insured endorsement available Excess / Umbrella capacity up to $25,000,000 Errors & Omissions Coverage Part — policy limits available Included coverages: Medical payments — $5,000 limit Pesticide / herbicide applicator coverage — policy limits In-Transit Pollution Coverage — $25,000 occurrence / $100,000 aggregate Lost key coverage — $25,000 limit Property damage extension (care, custody & control) — $5,000 occurrence / $25,000 aggregate included (higher limits available) $500 minimum deductible required Loss prevention brochure available for insureds Property, Crime and Equipment Property coverages can be written on Basic, Broad, or Special form with options for replacement cost or actual cash value. Available property features include: Accounts receivable Building and business income Business personal property and computer equipment Contractors’ equipment and equipment breakdown Outside signs and valuable papers Crime coverage options include inside-the-premises theft of money and securities, robbery or safe burglary of other property, and outside-the-premises loss. Overview — How agents can use this program This program from Colonial General is positioned for independent agents and brokers seeking admitted and excess & surplus placement options for landscape contractors in the western U.S. You can place mono-line liability or package accounts that combine liability, property and ancillary coverages tailored to contractors who perform on-site work (installation and hands-on services). Ideal accounts & appetite Small to mid-sized landscape and lawn care contractors Businesses that install and service irrigation systems and sprinkler maintenance Contractors who perform occasional tree trimming (under 15% of total revenue) Accounts that apply pesticides/herbicides as part of lawn care services Not a fit: firms that only provide landscape design without performing work, businesses that subcontract nearly all field work, or accounts with heavy tree removal or forestry operations exceeding incidental trimming. Underwriting notes & minimums $500 minimum deductible is required for liability placement. In-transit pollution and pesticide applicator coverages can be valuable for contractors transporting chemicals or performing applicator services — disclose chemical use and transport details at submission. Provide schedules of contractors’ equipment, payroll and revenue breakdowns (showing percent of trimming/tree work) to speed underwriting. Minimum premium information varies by market; submit accounts to Colonial General for specific quoting. Territories, admitted status & markets Available in: AZ, CA, CO, ID, NV, NM, UT, WY. Admitted capacity is available in some markets; where admitted capacity is not available, placement may be on a non-admitted / E&S basis. Carrier participation varies by state and account characteristics. Why work with Colonial General on landscaping business Specialized program built for hands-on landscape contractors — tailored coverages for pesticide application, irrigation work and contractors’ equipment. MGA and E&S broker expertise to access both admitted and excess markets in western states. Flexible limits (up to $3M primary and sizable umbrella capacity) and packaged property/liability solutions to reduce placement complexity. Underwriting support and loss prevention materials that help agents close and retain accounts. Example accounts Example 1 — A local lawn-care company that performs weekly lawn maintenance, seasonal pesticide applications, and installs sprinkler systems. Needs CGL with pesticide applicator coverage, in-transit pollution protection, and business personal property coverage for small tools. Example 2 — A mid-sized landscape contractor that installs irrigation systems, maintains commercial grounds, and owns several pieces of contractors’ equipment. Needs a package that includes contractors’ equipment, business income, and higher limits of liability plus an excess layer. Program details Provider: Colonial General Insurance Agency, Inc. — Managing General Agency and Excess & Surplus Lines Broker. Carriers: varies by state and risk. For submissions, include operations description, revenue breakdown (including percent tree work), list of equipment, and claims history to help underwriters evaluate quickly. Frequently Asked Questions What types of landscaping accounts are a good fit for this Colonial General program?Small to mid-sized contractors who perform lawn care, irrigation/sprinkler installation & service, and incidental tree trimming (under 15% of revenue). Accounts that apply pesticides or transport chemicals also fit due to included applicator and in-transit pollution options. Are admitted policies available?Some admitted markets are available depending on state and risk characteristics. Where admitted capacity is not available, Colonial General can place accounts in the excess & surplus market. Carrier availability varies by state. What underwriting information speeds quoting?Provide a description of operations, revenue by service type (showing percent tree work), payroll, list and values of contractors’ equipment, loss history, and details on pesticide/herbicide usage and transport. Is pesticide/herbicide exposure covered?Yes — pesticide/herbicide applicator coverage is available up to policy limits. Disclose products used and applicator licensing at submission to ensure appropriate coverage and limits. What deductibles and limits should I expect?The program requires a minimum $500 deductible for liability. Primary CGL limits are available up to $3,000,000 with excess/umbrella capacity to $25,000,000. Specific deductibles and limits depend on the carrier and account details. Need help placing an account? Connect with a market specialist.

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