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Club Insurance Allstar Financial Group, through its Allstar Underwriters division, offers a comprehensive Club Insurance program designed for agents and brokers seeking reliable coverage options for clubs and similar hospitality risks. With access to multiple carriers and a streamlined underwriting process, this program helps you quickly quote and bind coverage for your small business clients in the club and entertainment sector. Whether your insured operates a nightclub, bar, social club, or private venue, Allstar’s Club Insurance program includes a full range of coverages to address property, casualty, liquor liability, and umbrella exposures. This program is available in AL, GA, LA, MS, NC, SC, TN, and VA, with most coverages offered on a non-admitted basis. Ideal Accounts and Appetite Allstar targets a wide variety of commercial risks that align with club-related operations and their associated exposures. This includes but is not limited to: Nightclubs and dance venues Private and membership-only clubs Bars and lounges with or without entertainment Event venues and mixed-use hospitality spaces In addition to clubs, the program is also suitable for risk types such as contractors, retail and wholesale establishments, habitational properties, offices, vacant buildings, and institutional facilities—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 coverage No coinsurance options (subject to risk type) Optional enhancements, including 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 ranging from $100K/$100K up to $1M/$2M Available monoline or as part of a package Assault & Battery coverage follows the general liability form Available in NC, SC, GA, TN, VA Umbrella Coverage Limits up to $5 million Minimum premium starts at $750 Available on both supported and unsupported bases Underlying carrier must be rated A-VI or better (Auto/GL); B++ or better for Employers Liability GL underlying limits must be $1M/$2M/$2M Underwriting Notes and Minimum Premiums Allstar aims to offer flexibility and quick turnaround on small to mid-sized accounts. Minimum premiums vary by coverage line and risk type, starting as low as $500 for casualty coverage and $750 for umbrella policies. The underwriting team can assist you with eligibility questions and help tailor quotes to meet your client's needs. Territories and Availability The Club Insurance program is available 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 written on a non-admitted basis using carriers rated A- or better. Why Work With Allstar Financial Group? As a Managing General Underwriter and Excess & Surplus Lines Broker, Allstar Financial Group combines market access with expert underwriting support. Their Club Insurance program is backed by multiple carriers and designed to meet the specific needs of hospitality and club-related businesses. With a dedicated small business division, Allstar makes it easy for agents to quote, bind, and service accounts quickly and efficiently. You might have a client operating a busy nightclub that needs liquor liability with assault and battery coverage, or a private club looking for a package policy including property, general liability, and umbrella. Allstar’s underwriting team is ready to help you find the right fit and close the deal with confidence. Frequently Asked Questions What types of accounts are a good fit for the Club Insurance program?This program is ideal for nightclubs, bars, private clubs, lounges, and similar hospitality venues. It also accommodates a variety of other commercial risks depending on the coverage line. Is liquor liability coverage available in all states?No, liquor liability coverage is currently offered in NC, SC, GA, TN, and VA. Can I submit monoline policies or do they have to be packaged?Monoline or package policies are both acceptable, depending on the coverage type and risk characteristics. What is the minimum premium for this program?Minimum premiums start at $500 for casualty coverage and $750 for umbrella coverage. Other lines may vary based on risk and coverage needs. How quickly can I get a quote?Allstar’s small business division is designed to provide fast turnaround times. Contact an underwriter for specific processing timelines. Need help placing an account? Connect with a market specialist.

... Insurance Program from J.R. Olsen Bonds & Insurance Brokers, Inc. J.R. Olsen Bonds & Insurance Brokers, Inc. offers a ro...ong carrier relationships, J.R. Olsen Bonds & Insurance Brokers, Inc. offers u...

Weather Cancellation Insurance J.M. Wilson offers Weather Cancellation Insurance to help protect businesses, event sponsors, and organizers from the financial risks associated with event disruptions due to adverse weather. This coverage is ideal for clients with a financial stake in outdoor or weather-sensitive events that could be impacted by rain, snow, high winds, or lightning. Ideal Accounts and Appetite Event organizers, sponsors, and vendors who may experience revenue loss due to poor attendance from bad weather. Advertising agencies, PR firms, and film production companies that depend on clear weather for filming or scheduled activities. Coverage Highlights and Considerations Coverage can be tailored to a variety of weather perils such as: Rain Snow Wind Lightning Key underwriting considerations include: Event location Date and time of the event Hours of coverage requested Limits are typically based on: Fixed expenses Projected revenues Anticipated profits Sample Events That May Be Covered Air Shows Sporting Events Fairs and Festivals Fundraisers Parades Concerts Amusement Parks Corporate Outings Photo and Film Shoots Press Parties Retail Promotional Events Car Dealership Events Furniture Store Promotions Jewelry Store Sales Underwriting Notes and Minimum Premiums Minimum premiums vary by event type, location, time of year, and coverage limits requested. J.M. Wilson works with a variety of carrier partners to place coverage that meets your client's needs. Some markets may offer admitted coverage depending on jurisdiction and event details. Territories and Availability Weather Cancellation Insurance is available through J.M. Wilson in the following states: AL, AR, FL, GA, IL, IN, IA, KS, KY, MI, MS, MO, NE, NC, OH, PA, SC, TN, VA, WV, and WI. Why Work With J.M. Wilson? As a Managing General Agency and Excess & Surplus Lines Broker, J.M. Wilson brings deep expertise in specialty event coverages. We work closely with retail agents to design tailored solutions that protect your clients’ investments against unpredictable weather losses. With access to multiple markets and flexible underwriting, we help you find the right fit quickly and efficiently. Related Resources: JM Wilson's Blog - The Intersection: What's The Forecast? Weather Insurance: What You And Your Client Need To Know Did You Know? In 2014, for the first time in 34 years, the Taste of Chicago was closed due to bad weather? Frequently Asked Questions What types of accounts are a good fit for this program?Ideal accounts include event organizers, sponsors, media producers, and retailers hosting outdoor promotions that could be impacted by inclement weather. What weather events are typically covered?Coverage can include rain, snow, wind, or lightning, depending on the nature of the event and underwriting terms. Is this program available in all states?No, it is currently offered in select states including AL, FL, GA, IL, IN, MI, NC, OH, PA, SC, TN, VA, and others. Are there minimum premium requirements?Yes, minimum premiums vary based on event factors such as location, date, and coverage limits. Contact J.M. Wilson for details. Can this coverage be admitted or non-admitted?Some markets offer admitted options, but availability depends on the state and event characteristics. Need help placing an account? Connect with a market specialist.

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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 comes with serious responsibilities, and traditional homeowners or personal liability policies often leave gaps in coverage—especially for individuals who carry concealed firearms. Prime Insurance Company offers a specialized solution for your clients with its Firearms & Concealed Carry Insurance Program. Designed for responsible gun owners, this program provides peace of mind by addressing exposures that many standard policies exclude. Overview of the Program from Prime Insurance Company Prime Insurance Company delivers tailored insurance products to meet unique risks, and its Firearms & Concealed Carry Insurance is no exception. Whether your client is an individual with a concealed carry permit or a gun owner concerned about legal liabilities, this program offers the critical protection they need. With flexible underwriting and customized coverage, Prime helps agents place hard-to-insure accounts confidently and efficiently. Ideal Accounts and Appetite This program is best suited for: Individuals with concealed carry permits Gun owners seeking additional liability protection Clients concerned about stolen firearms used in crimes Insureds who want legal defense support for self-defense incidents You might have a client who legally carries a firearm for personal protection and wants assurance that their assets and legal defense costs are covered in the event of accidental discharge or a self-defense situation. This program is designed for them. Coverage Highlights and Advantages Prime’s Firearms & Concealed Carry Insurance addresses critical coverage gaps with the following key features: Firearms Liability (Open & Concealed Carry) Legal Liability for Accidental Discharge Bond Payment Assistance Income Interruption coverage Legal defense is provided up until a court of competent jurisdiction enters a finding of guilt, at which time no further coverage is available under the policy. Underwriting Notes and Minimum Premiums Prime Insurance Company uses a flexible, case-by-case underwriting approach to assess risk and offer customized terms. While minimum premium requirements may vary depending on risk characteristics, agents can expect competitive pricing and responsive service throughout the underwriting 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 type of coverage. Why Work with Prime Insurance Company As a direct carrier with deep expertise in niche liability markets, Prime Insurance Company stands out for its ability to offer customized solutions that traditional markets often decline. The company is known for responsive underwriting, quick turnaround times, and a commitment to helping agents close hard-to-place business. When it comes to firearms liability, Prime brings the underwriting insight and program flexibility you need to protect your clients effectively. 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, 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. Coverage ends at that point. Is this program available in all states?Yes, Prime Insurance Company 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 for this program, allowing for customized solutions and faster decisions. Need help placing an account? Connect with a market specialist.

Cyber Security Insurance Program from First Choice Insurance Intermediaries, Inc. First Choice Insurance Intermediaries, Inc. offers a Cyber Security Insurance program designed for agents and brokers who need competitive placement options for clients with growing cyber liability exposures. Through access to top-rated carriers and broad nationwide availability, the program can deliver both first- and third-party coverage options tailored to businesses of many sizes and industries. Ideal Accounts and Target Industries This program is appropriate for virtually any business that uses email, internet access, or stores electronic records containing sensitive customer or employee information. If your client relies on digital systems to run operations or transact with customers, they likely have cyber liability that merits coverage. Target classes include, but are not limited to: Professional service firms (legal, accounting, consulting) Retailers and e-commerce businesses Healthcare providers and medical offices Educational institutions Financial services firms Manufacturers with connected systems Example: You might have a mid-sized law firm that stores confidential client files electronically and communicates with clients by email. That type of account typically fits well because of the heightened ransomware and data-breach exposure. Coverage Highlights and Advantages Policies are designed to address a broad spectrum of digital threats and are available on an admitted or non-admitted basis depending on the state and carrier. First Party Protection Loss of Digital Assets coverage Non-physical Business Interruption and Extra Expense Cyber Extortion and Ransomware response Cyber Terrorism coverage Security Event response costs (forensics, notification, crisis management) Third Party Protection Network Security & Privacy Liability Employee Privacy Liability Electronic Media Liability Underwriting Notes Deductibles typically start at $2,500 and can be customized to match an insured’s tolerance and risk profile. Our underwriting team evaluates cyber controls, incident history, third-party service dependencies, and regulatory exposure to tailor terms and limits. The program is flexible and can accommodate small businesses seeking basic protection as well as larger organizations requiring layered or higher-limit solutions. Territories and Availability This Cyber Security Insurance program is available in the following states: AL, CA, CO, CT, DE, FL, GA, IL, IN, KS, LA, MD, MA, MI, MO, NV, NJ, NM, NY, NC, OH, OR, PA, SC, TX, VA, WA, and WI. Coverage may be offered on an admitted or non-admitted basis depending on jurisdiction and carrier appetite. Why Work with First Choice Insurance Intermediaries, Inc.? As a wholesale broker focused on niche and emerging risks, First Choice Insurance Intermediaries, Inc. gives agents and brokers access to responsive underwriting, a broad set of carrier options, and practical placement solutions. Our team understands how cyber threats are evolving and works to match exposures with appropriate policy language and incident response resources. Whether you need a standalone cyber policy or want to add cyber coverage to a package, First Choice can help you structure terms and find markets that meet the insured’s needs. Frequently Asked Questions What types of accounts are a good fit for this program?Businesses that use email, store customer or employee data, or rely on internet-connected systems are strong candidates. Typical fits include professional services, healthcare, retail/e-commerce, education, and financial services. Is this coverage available nationwide?The program is available in most states listed above, including major markets such as CA, TX, NY, and FL. Availability and whether a policy is admitted or non-admitted depend on the state and carrier. What are the deductible options?Deductibles start at $2,500 and can be adjusted based on the insured’s size, controls, and claim history. Can I get a quote for a small business?Yes. The program supports small and mid-sized risks as well as larger accounts. The underwriting team can suggest limits and endorsements appropriate to the client’s exposure. What makes First Choice a strong partner for cyber liability placements?First Choice provides experienced underwriters, access to competitive carriers, and a responsive placement process—helping you find solutions for routine and complex cyber exposures. Need help placing an account? Connect with a market specialist.