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Bonds Insurance Solutions from J.R. Olsen Bonds & Insurance Brokers, Inc. As a truste...fer streamlined applications for many bonds. For example, performance bonds up to $100,000 can often be writte...

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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... Insurance Program from J.R. Olsen Bonds & Insurance Brokers, Inc. J.R. Olsen Bonds & Insurance Brokers, Inc. offers a fl...in between. Why Work With J.R. Olsen Bonds & Insurance Brokers, Inc.? As an M...

Liquor Liability Insurance J.M. Wilson Corp. offers a robust Liquor Liability Insurance program designed to help agents and brokers place coverage for clients in the hospitality, retail, and event industries. Whether your insured sells, serves, or furnishes alcohol, we can help you protect them against claims involving intoxicated patrons causing property damage, bodily injury, or other liabilities. Ideal Accounts and Appetite Our program is tailored for a wide range of businesses that require liquor liability coverage. We work with both admitted and non-admitted markets, providing flexibility across risk classes. Target classes include but are not limited to: Bars and Taverns Restaurants Nightclubs Country Clubs On-Premises Banquet Facilities Adult Entertainment Clubs Package Stores Retail and Wholesale Liquor Distributors Breweries and Vineyards Concessionaires and Caterers for Hire Special Events and Temporary Liquor Vendors Private and Fraternal Clubs Bowling Alleys If you have clients across these classes—or more—J.M. Wilson can help you find a market that fits. Coverage Highlights and Advantages Liquor Liability Insurance from J.M. Wilson provides protection for businesses when a patron becomes intoxicated and causes injury or property damage. Our policies can help address exposures that arise from alcohol service and sales, including: Third-party bodily injury or property damage claims Defense costs and legal fees Assault and battery coverage (where available) Coverage for special events or one-time needs We represent a wide range of carriers, enabling us to find competitive solutions for both standard and hard-to-place risks. Underwriting Notes and Minimum Premiums Minimum premiums vary depending on the class of business, location, and risk characteristics. We are able to submit to multiple carriers to find the best available terms for your client. Our team will work with you to determine eligibility and quote turnaround times based on the specific account. Territories and Availability This program is available in the following states: AL, AR, GA, IL, IN, IA, KS, KY, MI, MN, MS, MO, NE, NC, OH, OK, PA, SC, TN, VA, WV, and WI. We offer access to both admitted and non-admitted markets, depending on the state and classification. Why Work With J.M. Wilson on Liquor Liability? As a trusted Managing General Agency and Excess & Surplus Lines Broker, J.M. Wilson brings decades of experience and strong carrier relationships to every submission. We understand the complexities of liquor-related risks and can help you navigate the underwriting process efficiently. Our team is committed to providing responsive service and helping you find the right coverage for your clients—whether it's a local tavern, a multi-location restaurant group, or a one-time event. For more information about this program or to discuss a specific account, please contact our team by phone or email. Frequently Asked Questions What types of accounts are a good fit for this Liquor Liability program?This program is ideal for bars, restaurants, nightclubs, banquet halls, liquor stores, breweries, vineyards, and special event vendors that serve or sell alcohol. Can you write coverage for one-time or special events?Yes, we can help you place liquor liability coverage for temporary or special events such as festivals, weddings, or concerts. Are both admitted and non-admitted markets available?Yes, J.M. Wilson works with a variety of admitted and non-admitted carriers, offering flexibility based on client needs and underwriting eligibility. What information is needed to get a quote?Basic underwriting information typically includes the type of operation, alcohol sales percentage, prior loss history, and event details (if applicable). Our team can guide you through the full submission process. In which states is this program available?This Liquor Liability program is available in AL, AR, GA, IL, IN, IA, KS, KY, MI, MN, MS, MO, NE, NC, OH, OK, PA, SC, TN, VA, WV, and WI. Need help placing an account? Connect with a market specialist.

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Liquor Legal Liability Insurance Program from AI Risk AI Risk offers a specialized Liquor Legal Liability program designed to help insurance agents and brokers place coverage for clients who sell, serve, or distribute alcoholic beverages. With a focus on high-risk industries and events where liquor liability exposure is significant, this program provides essential protection for businesses that may be held liable for alcohol-related incidents involving patrons or third parties. Ideal Accounts and Target Classes This program is tailored for a wide range of businesses engaged in the sale or service of alcohol, including: Bars and taverns Restaurants Bowling alleys Country clubs Caterers Package stores Alcohol distributors Special events and temporary venues If you’re working with a bar that hosts weekly live music, or a caterer licensed to serve alcohol at weddings and corporate events, this program can help you place the right coverage to meet their liquor liability needs. Coverage Highlights and Advantages AI Risk offers flexible policy structures to meet the diverse needs of your clients. Coverage can be written on an “Occurrence” or “Claims-Made” basis (except in MI and MN), allowing adaptability based on client preference and state requirements. This Liquor Legal Liability program is backed by AIG, a leading carrier with strong financial stability and industry expertise. Key advantages include: Broad appetite for alcohol-related exposures Competitive pricing based on risk class and limits Access to experienced underwriters who understand liquor liability risks Underwriting Notes and Minimum Premiums Minimum premiums vary by risk class: Bars, taverns, and bowling alleys: Minimum premium starts at $3,100 depending on limits, coverages, and classification All other classes: Minimum premium starts at $1,250 AI Risk evaluates each submission on its merits, with attention to operational details, loss history, and controls related to alcohol service. Territories and Availability This program is available in all 50 states plus Washington D.C., giving you nationwide reach to serve clients wherever they operate. AI Risk offers both admitted and non-admitted options depending on the specific risk and location. Why Work With AI Risk? AI Risk is a Managing General Agency and Carrier with a strong reputation for underwriting expertise in complex commercial lines. By partnering with AIG and offering nationwide access, AI Risk provides agents and brokers with reliable solutions for liquor liability exposures. Their deep understanding of the hospitality and alcohol service industries allows them to deliver tailored coverage options and responsive service that help you meet your clients’ needs and close more business. Frequently Asked Questions What types of accounts are a good fit for this program?This program is ideal for businesses that sell or serve alcohol, including bars, restaurants, caterers, liquor stores, and special event organizers. Is coverage written on an occurrence or claims-made basis?Coverage is available on either an occurrence or claims-made basis, except in Michigan and Minnesota where only one form may be offered due to state regulations. What is the minimum premium for this program?Minimum premiums start at $3,100 for bars, taverns, and bowling alleys, and $1,250 for other eligible classes, depending on coverage limits and risk classification. Which carrier backs this program?The Liquor Legal Liability program is backed by AIG, a well-established carrier with strong financial ratings and industry expertise. Is this program available in all states?Yes, AI Risk offers this program in all 50 states and Washington D.C., with both admitted and non-admitted options depending on the risk and location. Need help placing an account? Connect with a market specialist.

Policy Highlights: Colonial General Insurance Agency, Inc. offers Accountants Professional Liability Insurance tailored to meet the needs of accounting professionals and firms of all sizes. Overview of the Program From Colonial General Colonial General is a trusted Managing General Agency and Excess & Surplus Lines Broker with access to a variety of carriers, providing flexible solutions for accountants' professional liability exposures. This program is designed to help independent agents place coverage for accounting firms facing risks related to errors, omissions, or negligence in the performance of professional services. Whether your client is a sole practitioner or a mid-sized accounting firm, Colonial General can help you find the right fit. Ideal Accounts and Appetite This program is suited for a broad range of accounting professionals, including: Certified Public Accountants (CPAs) Bookkeepers and tax preparers Small to mid-sized accounting firms Firms providing audit, consulting, or advisory services Accounts with a clean loss history and a focus on traditional accounting services are typically a strong fit. Higher-risk exposures such as forensic accounting or investment advisory services may require additional underwriting. Coverage Highlights and Advantages Colonial General’s Accountants Professional Insurance program provides protection against claims alleging negligence, errors, or omissions in the delivery of professional accounting services. Key features include: Limits available starting at $100,000/$300,000 Various deductible options to suit different risk appetites First Dollar Defense available depending on carrier approval Claims Expense Outside the Limits may be offered based on carrier discretion Coverage terms and premiums will vary depending on the carrier and specific risk profile of the insured. Underwriting Notes and Minimum Premiums Each submission is underwritten based on the size, scope, and services of the accounting firm. Clean operations with clearly defined service offerings and low claims frequency are typically easier to place. While minimum premiums are not specified, competitive pricing is available for qualifying risks through Colonial General’s carrier network. Territories and Availability This program is available in the following states: Arizona, California, Colorado, Idaho, Nevada, New Mexico, Utah, and Wyoming. Colonial General has access to both admitted and non-admitted markets, depending on the specific risk and jurisdiction. Why Work With Colonial General With deep expertise in professional liability and access to a variety of national and regional carriers, Colonial General provides agents with responsive service and flexible options for placing hard-to-place or niche accounting risks. Their team understands the unique exposures faced by today’s accounting professionals and works closely with agents to deliver tailored coverage solutions. Learn more about Colonial General Insurance Agency, Inc. Frequently Asked Questions What types of accounts are a good fit for this program?This program is ideal for CPAs, bookkeeping firms, tax preparers, and small to mid-sized accounting firms providing traditional accounting services. Are First Dollar Defense and Claims Expense Outside the Limits included?These features may be available depending on the carrier and underwriting review. Availability is determined on a case-by-case basis. Can this program cover firms with prior claims?Firms with prior claims may still be eligible, but underwriting will evaluate the severity, frequency, and nature of past claims before making a decision. In which states is this program available?Coverage is available in AZ, CA, CO, ID, NV, NM, UT, and WY. What documentation is needed to submit an account?Typically, an application, firm brochure or website, and loss runs (if applicable) are required. Additional documents may be requested based on the submission. Need help placing an account? Connect with a market specialist.

Policy Highlights: Colonial General Insurance Agency, Inc. offers property and liability coverages on a mono-line or package basis for contractors who perform excavation and land grading operations. This program is tailored to contractors and operators engaged in site preparation, lot grading, trenching and similar earthwork. It is not intended for public street or road construction, mining operations, installation or removal of underground tanks, landfills, dam or tunnel construction, or snow removal operations. Overview of the Excavation Insurance Program from Colonial General Insurance Agency, Inc. This program provides flexible solutions for agents placing excavation and grading risks. Available through Colonial General as a managing general agent and excess & surplus lines broker, the program offers both property and commercial general liability coverages with admitted and non-admitted market access depending on the state and risk profile. Carriers vary by account and there are selective admitted markets where available. Ideal Accounts and Appetite Small to mid-sized excavation and grading contractors Operators performing site work for residential and commercial developments (excluding public road or heavy civil projects) Contractors that own and operate their equipment and require contractor's equipment coverage Accounts needing package solutions combining property, equipment, and liability limits Typically not a fit: large heavy civil contractors, mining, tunnel or dam work, landfill operators, underground tank removal projects, public street/road construction, or snow removal operations. Coverage Highlights and Advantages Coverage options are designed for placement flexibility and include: Property Coverage available for excavation insurance: • Accounts Receivable • Basic, Broad, or Special Form • Building • Business Income • Business Personal Property • Computer Equipment • Contractor's Equipment • Equipment Breakdown • Outside Signs • Replacement Cost or Actual Cash Value • Valuable Papers Commercial General Liability Coverage available: • Primary limits up to $3 million occurrence and aggregate • $5,000 Medical Payments Coverage—Included • Additional Interests—$100 each • Excess or Umbrella limits up to $25 million • $1,000 minimum deductible required Crime Coverage available: • Inside the Premises—Theft of Money and Securities • Inside the Premises—Robbery or Safe Burglary of Other Property • Outside the Premises Underwriting Notes and Minimum Requirements Minimum deductible: $1,000 (as a program requirement for liability placement). Limits: primary GL available up to $3M with umbrella/excess options to $25M—subject to carrier approval. Underwriting focuses on experience, loss history, scope of operations, equipment values, and site-specific exposures (e.g., shoring, trenching near utilities). Submission requirements typically include contractor’s application, loss runs, equipment schedule, and a description of operations and project types. Territories and Availability Available in AZ, CA, CO, ID, NV, NM, UT, and WY. Some coverages are offered through admitted markets where available; other placements may be written non-admitted depending on state and carrier appetite. Why Work With Colonial General on Excavation Business Specialized underwriting for excavation and grading contractors through an experienced MGA/E&S broker. Package capability to combine property, equipment, crime and liability coverages for a more complete placement. Access to multiple carrier markets to secure competitive limits, including umbrella/excess follow-form options. Practical appetite guidance to help you avoid non-fit accounts and improve placement speed. Sample accounts that fit this program A residential site contractor performing grading, pad preparation and utility trenching for single-family lots with owned compactors, excavators and skid steers. A commercial site work subcontractor hired for earthmoving and drainage installation on a shopping center project (non-public road work), requiring contractor’s equipment and GL limits with an umbrella. Submission Tips Provide a detailed operations description and equipment schedule up front. Include five years of loss runs when available and explain any recent large losses. Identify any subcontracted work and whether the insured performs utility excavation or trench shoring. Note project types that are excluded by the program (public roads, mining, tunnels, landfills, etc.) to avoid delays. Frequently Asked Questions What types of excavation contractors are a good fit for this program?Contractors focused on site preparation, lot grading, trenching and general earthwork for residential and commercial projects (not public road or heavy civil work) are the primary fit. Those who own and operate their equipment and have manageable loss history are preferred. What limits and deductibles can I expect to place?Primary GL limits are available up to $3 million (occurrence and aggregate) with excess/umbrella capacity to $25 million. The program requires a $1,000 minimum deductible for liability; specific deductible and limit combinations depend on carrier underwriting. Are there operations or exposures that this program will not accept?Yes. Typical exclusions include public street/road construction, mining, tunnel or dam construction, landfills, underground tank installation/removal, and snow removal operations. Large heavy civil or specialty hazardous operations are also outside the appetite. What documentation should I include with a submission?Provide a completed application, current equipment schedule, five years of loss runs, and a clear description of operations and project types. Notes on subcontractor use and safety/shoring procedures help expedite underwriting. Is this program admitted in all states listed?Colonial General places coverage through admitted markets where available and uses non-admitted markets as needed. Availability varies by state—AZ, CA, CO, ID, NV, NM, UT and WY are served by the program. Need help placing an account? Connect with a market specialist.

Gun ownership carries significant responsibilities, and standard homeowners or personal liability policies can leave coverage gaps—especially for individuals who carry concealed firearms. Prime Insurance Company offers a focused solution with its Firearms & Concealed Carry Insurance Program. Built for responsible gun owners, this program fills common exclusions and helps protect clients’ assets and legal defense needs arising from firearms-related incidents. Overview of the Program from Prime Insurance Company Prime Insurance Company provides a targeted market for agents seeking specialty liability solutions. The Firearms & Concealed Carry Insurance program is designed for insureds who carry legally or own firearms and need protection not typically provided by standard personal policies. Prime underwrites in-house and offers flexible, case-by-case terms so you can place accounts that other markets may decline or limit. Ideal Accounts and Appetite This program is best suited for: Individuals with concealed carry permits Gun owners seeking excess liability or tailored firearms liability Clients concerned about stolen firearms being used in crimes Insureds who want legal defense support for self-defense incidents Example accounts you can place: a lawfully armed private citizen who carries for personal protection and wants defense-cost coverage for a self-defense incident; or a collector concerned about liability if a stolen firearm is later used in a crime. Coverage Highlights and Advantages Prime’s program fills key exposure gaps with focused coverages agents can offer their clients: Firearms Liability — covers liability arising from open and concealed carry Legal liability for accidental discharge Bond payment assistance Income interruption coverage to help with lost wages during legal defense Legal defense is provided until a court of competent jurisdiction enters a finding of guilt; coverage ceases at that point. Underwriting Notes and Minimum Premiums Prime underwrites these risks on a flexible, case-by-case basis. Underwriting focuses on the insured’s permit status, firearm storage and transfer practices, prior incidents, and overall risk profile. Minimum premium requirements can vary by account characteristics; expect competitive pricing and responsive underwriting throughout the submission and quoting process. Territories and Availability This program is available in all 50 states and the District of Columbia, including 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, and WY. No matter where your client resides, Prime can help you place this coverage. Why Work with Prime Insurance Company As a direct carrier with niche expertise in specialty liability, Prime Insurance Company offers solutions many standard markets will not. Agents benefit from Prime’s in-house underwriting, program flexibility, and quick turnaround—helping you place hard-to-insure accounts with confidence. Frequently Asked Questions What types of accounts are a good fit for this program?This program is ideal for individuals with concealed carry permits or gun owners seeking additional liability protection beyond their standard personal insurance. What coverages are included in the Firearms & Concealed Carry Insurance?The program includes firearms liability (open and concealed carry), accidental discharge legal liability, bond payment assistance, and income interruption coverage. Is legal defense provided under this policy?Yes. Legal defense is covered until a court of competent jurisdiction enters a finding of guilt, at which point coverage for legal defense ends. Is this program available in all states?Yes. Prime offers this program in all 50 states and the District of Columbia. Does Prime Insurance Company underwrite directly?Yes. Prime is a direct carrier and provides in-house underwriting, enabling customized solutions and faster decisions. Need help placing an account? Connect with a market specialist.