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...ty types, including: Vacant buildings and land Retail operations and ...am?This program is ideal for vacant buildings, retail spaces, strip malls, war...

...rone areas Have exhausted NFIP building and contents limits Require busine...ue coastal property or a commercial building with seismic exposure and has exh...

...ing to renovate a property before moving in. These are ideal fits for our prog...

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.

Policy Highlights for Automobile Transport Insurance: If your clients transport automobiles, trailers, or boats, Colonial General Insurance Agency, Inc. offers an Automobile Transport Insurance program built for those exposures. As a Managing General Agency and E&S broker serving the Western U.S., Colonial General provides agents access to flexible, competitive solutions and specialty markets for hard-to-place transport risks. Ideal Accounts and Appetite This program fits independent auto haulers, vehicle transport companies, and businesses that move trailers, boats, or specialty vehicles. It accommodates regional operators as well as accounts that run nationwide routes. Preferred accounts have documented safety programs, experienced operators, and clean or explainable loss histories. The program accepts mono-line cargo placements and excess-over-primary cargo placements—useful when a client needs coverage beyond standard primary limits. Coverage Highlights and Advantages Unlimited radius available on mono-line cargo policies Excess cargo coverage up to $750,000 over primary cargo limits Cargo limits to $100,000; refrigerator breakdown included where applicable Loading and unloading coverage included in the base premium These features address transit damage, theft, refrigeration failure (when relevant), and loading/unloading exposures common to vehicle and specialty-vehicle transport. Underwriting Notes Colonial General places business with a variety of markets and can offer both admitted and non-admitted options depending on the risk and state. Submissions that include detailed operational information — routes, vehicle types, fleet size, driver qualifications, and a recent loss run — get faster turnaround and more competitive terms. Minimum premiums and specific attachments vary by carrier and limits. Territories and Availability This Automobile Transport Insurance program is available to appointed agents in the following states: Arizona, California, Colorado, Idaho, Nevada, New Mexico, Utah, and Wyoming. Coverage options and admitted/non-admitted availability will depend on the state and the selected market. Why Work With Colonial General? With focused experience in the Western U.S., Colonial General understands the operational and regulatory nuances of transportation risks in this region. As an MGA and E&S broker, they provide access to specialty markets and underwriting expertise that help agents place complex or borderline accounts. Colonial General emphasizes responsive service, flexible solutions, and practical underwriting for transportation risks. That makes them a strong option when you need excess capacity, specialized cargo wording, or coverage for mixed fleets. Example scenarios: You have a client who transports high-end vehicles across state lines and needs higher cargo limits plus excess protection — this program can provide excess cargo layering up to $750,000 for qualified risks. You represent a small fleet that hauls trailers and boats regionally and needs a mono-line cargo policy with loading/unloading included — the program’s mono-line options and unlimited radius can be a good fit. Frequently Asked Questions What types of accounts are a good fit for this program?Independent auto haulers, trailer transporters, and businesses that move boats or specialty vehicles. Operators with documented safety programs and experience are preferred. Is excess cargo coverage available?Yes. Colonial General offers excess cargo coverage up to $750,000 over primary cargo limits for qualified risks. Are loading and unloading exposures covered?Yes. Loading and unloading coverage is included in the base premium for this program. Which states is this program available in?This program is available in AZ, CA, CO, ID, NV, NM, UT, and WY. Do I need to submit full operational details for a quote?Yes. Complete submissions with routes, vehicle types, fleet information, and recent loss history help underwriters assess risk and provide faster, more competitive terms. Need help placing an account? Connect with a market specialist.

...ort fleets, and trailer operators moving general, refrigerated, or specialty g...

...erations Property coverage for buildings, tools, and equipment These featur...

We have updated and enhanced our Home Inspector Liability program to better serve the needs of your residential home inspector clients. At Intercorp, Inc., we understand the exposures home inspectors face and have built a program that balances broad coverage, competitive pricing, and fast turnaround. Overview of the Program From Intercorp Intercorp’s Home Inspector Liability program is tailored for residential home inspectors and, where eligible, permits up to 25% commercial inspections. The program features improved policy terms, broader definitions of covered services, and optional extensions to help agents place accounts that need more than a basic errors & omissions product. Policies are placed on a non-admitted basis and are backed by Lexington Insurance Company. The program is available in most U.S. states listed below. Ideal Accounts and Appetite This program is focused on residential home inspectors and small inspection firms. Good fits include: Individual home inspectors (new or experienced) Inspectors transitioning from related trades such as construction or real estate Small firms with multiple inspectors that need automatic additional insured status for referral partners Inspectors with under two years’ direct inspection experience may qualify when a resume or documentation of related experience is provided. Coverage Highlights and Advantages Key program features include: Expanded definition of “Home Inspection Services” to better reflect common inspection tasks Improved extended reporting period (ERP) terms with reduced rates Up to $5,000 in Defense Expense Reimbursement for disciplinary proceedings Automatic additional insured status for referral sources and other referral partners Optional coverages that can be packaged with the E&O include: Fungus and mold Lead or lead by-products Wood-destroying organisms (e.g., termites) Radon or natural gases Swimming pools, hot tubs, and spas Full General Liability (GL) through an admitted carrier (optional) Underwriting Notes and Minimum Premiums Intercorp’s underwriting team provides quick turnaround—often same day or next day—depending on submission completeness. To begin a quote, we typically need: A completed application A resume or history of related work if the inspector has fewer than two years’ inspection experience Minimum premiums vary by state, experience, and selected coverages. Your Intercorp underwriter will advise on minimums and available options for each account. Territories and Availability This program is available in the following states: AL, AK, AZ, AR, CA, CO, CT, DE, FL, GA, HI, ID, IL, IN, IA, KS, KY, LA, ME, MD, MA, MI, MN, MS, MO, MT, NE, NV, NH, NJ, NM, NY, NC, ND, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VT, VA, WA, DC, WV, WI, WY. Why Work With Intercorp Intercorp, Inc. is a program administrator with deep experience in niche professional liability programs. Our in-house underwriters move quickly, provide clear guidance on eligibility, and can add value through optional coverages and automatic additional insured status for referral partners. Working with Intercorp gives you access to Lexington Insurance Company capacity on a non-admitted platform and a team committed to placing home inspector risks efficiently. Frequently Asked Questions What types of accounts are a good fit for this program?Residential home inspectors are the primary appetite, including single inspectors and small firms. Inspectors who perform up to 25% commercial inspections in eligible classes may also qualify. New inspectors with related experience can be considered with a resume. How quickly can I get a quote for my client?Our in-house underwriting team typically delivers same day or next day turnaround on most complete submissions. What documentation is required to submit an account?Submit a completed application. If the inspector has less than two years’ inspection experience, include a resume or documentation of related work experience. Are additional insureds automatically included?Yes — referral persons or organizations can be automatically added as additional insureds under this program. Is the program available nationwide?The program is available in most states across the U.S., including CA, TX, FL, NY, and many others. Refer to the program’s territory list for specifics. Need help placing an account? Connect with a market specialist.

...asses Include: Auto haulers Building material haulers Contractor vehicl...

Overview — Scrap Metal Transport Insurance from Colonial General Insurance Agency, Inc. Colonial General Insurance Agency, Inc. offers a targeted program for agents who place scrap metal transportation accounts. This program is designed for businesses that haul non-hazardous scrap and recyclable metal material, from single-truck owner-operators to small fleet operators. Coverage is available through admitted carriers in some markets and via excess & surplus lines placement where needed. Ideal Accounts and Appetite This program fits accounts that: Transport ferrous and non-ferrous scrap (scrap metal, scrap steel, aluminum, copper, etc.) that is not classified as hazardous waste. Operate for-hire or private/non-for-hire hauling operations. Run local or regional routes—typical radius options extend up to 500 miles. Have clean to moderate loss histories and reasonably maintained vehicles. Generally not a fit: operators hauling hazardous waste, commodities requiring special endorsements, or accounts with chronic, severe loss frequency unless prior mitigation is documented. Specific underwriting decisions vary by carrier. Coverage Highlights and Advantages Package policies available with cargo coverage—cargo limits up to $100,000. Liability coverage available up to $1,000,000 CSL. Physical damage coverage offered with deductible options from $500 to $5,000. State and regulatory filings handled as part of placement where required. Radius options configurable up to 500 miles to match account operations. Admitted capacity in some states; E&S solutions available where necessary. Underwriting Notes When submitting, underwriters typically want: Vehicle schedule (year, make, model, VIN) and vehicle values for physical damage consideration. Schedule of operations: types of scrap hauled, typical routes, radius, and whether hauling is for-hire or private. Loss runs (preferably 3 years) and MVRs for drivers. Details on loading/unloading procedures and any risk controls in place (securement, tarping, GPS, driver training). Minimum premium requirements and final terms depend on territory, fleet size, and carrier selection. Colonial General works with a variety of markets to match pricing and coverage to the account profile. Territories and Availability Program availability: AZ, CA, CO, ID, NV, NM, UT, WY. Some admitted markets are available; where admitted capacity is not offered, placements will be handled as excess & surplus lines. Carriers vary by state and underwriting appetite. Why Work With Colonial General Insurance Agency, Inc.? Specialized focus on scrap metal transport exposures — underwriting and placement tailored to this niche. Flexible solutions including admitted and E&S options to increase bindability across the Western states listed above. Ability to provide cargo and physical damage limits and deductible choices that suit small fleets and owner-operators. Responsive underwriting and state filing support to help close accounts that require regulatory compliance. Example accounts that are a good fit - A two-truck, for-hire hauler that moves mixed scrap metal regionally within a 300-mile radius, seeking cargo limits and $1,000,000 liability. - A single-owner operator who picks up non-ferrous scrap for local recyclers and needs physical damage coverage with a $1,000 deductible and regulated filings handled. Frequently Asked Questions What types of accounts are a good fit for Colonial General’s Scrap Metal Transport program?Accounts that haul non-hazardous scrap and recyclable metals—owner-operators to small fleets—operation within a regional radius (up to 500 miles) with reasonable loss histories are ideal. Is cargo coverage included and what limits are available?Yes. Package policies can include cargo coverage with limits available up to $100,000. Specific limit availability depends on the carrier and account details. Are admitted policies available or is this program E&S only?Some admitted markets are available in select states. Where admitted capacity is not offered, Colonial General places coverage through excess & surplus lines markets. Availability varies by state and carrier. What deductible options exist for physical damage?Physical damage deductible options generally range from $500 to $5,000. Final deductible choices depend on vehicle values, account risk characteristics, and carrier guidelines. What documents should I include with a submission?Include a vehicle schedule, description of operations (commodities hauled and radius), recent loss runs, and driver MVRs. Additional information on loading/unloading procedures and risk controls will help underwriting. Need help placing an account? Connect with a market specialist.