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Grocery Store Insurance Allstar Financial Group’s Grocery Store Insurance program is built for the underwriting challenges of retail food operations. Through our Small Business Solutions division, agents and brokers can quickly quote and bind coverage for a wide range of grocery risks. With access to multiple carriers and flexible excess & surplus and admitted options, Allstar provides market access and underwriting flexibility to help you place grocery-related accounts with confidence. The program is available in AL, GA, LA, MS, NC, SC, TN, and VA. Standard coverage components include Property, General Liability, Liquor Liability (select states), and Umbrella policies. Whether your client operates a neighborhood market, a specialty importer with a retail outlet, or a small chain with deli and bakery operations, this program offers customizable solutions to protect inventory, equipment, premises exposures, and liability risks. Ideal Accounts and Appetite We seek grocery store risks of varying sizes, including: Independent and neighborhood grocery stores Ethnic and specialty food markets Corner stores and small-format grocers Retailers with limited or full-service delis, bakeries, or meat counters Locations with incidental liquor sales (in approved states) Our appetite also extends to related retail operations such as convenience stores and wholesale-retail hybrids, provided they meet standard risk profile criteria and loss history expectations. Coverage Highlights and Advantages Property Coverage: Total Insured Values (TIV) up to $5 million per location Monoline or package options No coinsurance options available on eligible risks Optional enhancements including Equipment Breakdown Casualty Coverage: Primary limits up to $5 million per occurrence Monoline or packaged casualty options Minimum premiums starting at $500 (varies by class) Optional endorsements such as Blanket Additional Insured and Waiver of Subrogation Liquor Liability (select states only): Limits from $100K/$100K to $1M/$2M Assault and Battery coverage follows GL Available in NC, SC, GA, TN, and VA Umbrella Coverage: Limits up to $5 million Minimum premiums starting at $750 Supported and unsupported umbrella options Underlyers meet AM Best rating requirements Underwriting Notes and Minimum Premiums Allstar reviews submissions with focus on location, operations, safety controls, and prior loss history. Minimum premiums vary by class and coverage type; casualty premiums can start around $500 and umbrella premiums around $750. Project-specific policies and endorsements are available to tailor coverage for deli operations, refrigeration equipment, and liquor exposures. Territories and Availability This program is primarily available in AL, GA, LA, MS, NC, SC, TN, and VA. Liquor liability is offered in NC, SC, GA, TN, and VA. Coverage is placed through multiple admitted and non-admitted carriers, giving agents flexibility to secure capacity for harder-to-place risks. Why Work With Allstar Financial Group? As a Managing General Underwriter and Excess & Surplus Lines Broker, Allstar Financial Group combines specialty underwriting expertise with broad market access. Our Small Business Solutions team is designed to make quoting and binding efficient for retail food risks, especially those with mixed operations (deli, bakery, limited alcohol sales) or unique value exposures. Working with Allstar gives you tailored underwriting, flexible program structure, and solutions for accounts that need E&S placement or enhanced endorsements. You might have a client who runs a family-owned grocery with a deli in North Carolina — Allstar can package property, liability, and liquor coverage to address inventory, food handling, and alcohol exposures. Or you could be placing a specialty importer in Georgia with a retail storefront and wholesale activity; our appetite includes wholesale-retail hybrids when operations and controls meet underwriting criteria. Frequently Asked Questions What types of accounts are a good fit for this program?Independent grocery stores, ethnic and specialty markets, corner stores, and retail food operations with deli or bakery components are all within our target appetite. Is liquor liability coverage available through this program?Yes. Liquor liability is offered in NC, SC, GA, TN, and VA with limits up to $1M/$2M, and Assault and Battery coverage follows the GL where provided. Can I submit monoline coverage or must it be a package?You can submit either monoline or package policies depending on the client’s needs and the risk profile. What is the minimum premium for this program?Minimums vary by line and class. Casualty minimums can start around $500 and umbrella minimums around $750, subject to underwriting and state availability. How quickly can I quote and bind coverage?Our Small Business Solutions division is structured for quick turnaround so agents can efficiently quote and bind most eligible grocery accounts. Need help placing an account? Connect with a market specialist.

Offices Insurance Allstar Financial Group’s Offices Insurance program through Allstar Underwriters is designed to help independent agents place property and casualty coverage for office-occupancy small businesses quickly and efficiently. Our underwriting team focuses on straightforward underwriting, flexible package or monoline options, and optional enhancements that make it easier to tailor terms for typical office risks and related occupancies. Use this program when you need an experienced MGA/E&S broker that can handle moderate-value office locations, package property and liability together, or place project-specific casualty limits with common contract endorsements. Ideal accounts and appetite Small to mid-size office buildings, professional suites, and multi-tenant office locations Related occupancies within the same risk profile: light retail, wholesale/showroom, institutional support spaces, and certain contractor or habitational adjuncts Accounts that require flexible limit structures, per-project or per-location aggregates, or common contractual coverages such as additional insured and waiver of subrogation Not typically intended for high-hazard manufacturing, heavy exposures, or large vacant-adapted redevelopment projects without prior approval Coverage highlights and advantages Property: Total Insurable Value (TIV) up to $5 million per location Monoline or packaged property/GL placements No coinsurance options available (subject to risk type) Optional property enhancements, including equipment breakdown Casualty: Primary limits up to $5M/$5M with minimum premiums starting around $500 and project-specific policy options Casualty optional endorsements: blanket additional insured, waiver of subrogation, primary/non-contributory wording, per-project/per-location aggregates, hired & non-owned auto (certain classes), and miscellaneous professional liability (certain classes) Umbrella: Limits up to $5 million; supported or unsupported umbrellas available with minimum premiums beginning near $750 Underwriting notes Allstar Underwriters works with multiple carrier partners and can place admitted or E&S paper depending on state and risk particulars. Typical underwriting considerations include occupancy details, tenant mix, property condition, loss history, and contract requirements. Common underwriting prerequisites include: AM Best-rated carriers for underlying limits (A-VI or better for auto/GL; B++ or better for employers liability where applicable) Typical GL underlying limits of $1M/$2M/$2M unless alternate structures are requested Minimum premiums can vary by product and state—refer to program guidelines for account-specific pricing Territories and availability This program is available through Allstar Financial Group in AL, GA, LA, MS, NC, SC, TN, and VA. Coverage form availability (admitted vs. non-admitted) may vary by state and carrier — please confirm state eligibility when submitting. Example accounts that fit well A local property management client with several 10,000–30,000 sq ft multi-tenant office locations seeking a package policy with equipment breakdown and per-location property limits. A regional contractor needing project-specific primary liability coverage for office build-outs where contract endorsements (additional insured, waiver of subrogation, and primary/non-contributory wording) are required. Why work with Allstar Financial Group on Offices Insurance Allstar combines dedicated small-business underwriting with the placement flexibility of an MGA and E&S broker. That means faster responses on mid-market office risks, tailored endorsements for contract-driven accounts, and access to multiple carrier platforms for admitted or non-admitted placements. Our Small Business Solutions underwriters are available to review submissions, suggest appropriate enhancements, and help structure limits to match your client’s contractual and operational needs. Ready to submit? Prepare loss runs, tenant/occupancy information, building values, and any contract wording requests to accelerate review. For complex or higher-value accounts, include photos and a description of risk mitigation measures (sprinklers, alarms, security) to improve placement options. Frequently Asked Questions What types of office accounts are a good fit for this program?Small to mid-size office buildings and multi-tenant professional suites with TIV up to $5M per location, plus related light retail, wholesale, and institutional occupancies. The program also supports contractor-related office build-outs and project-specific casualty placements. Can I get both property and liability in a single package?Yes. The program offers monoline or packaged property and casualty solutions. Package options are helpful when you want coordinated limits and endorsements across property and liability lines. Which endorsements and contractual coverages are available?Common optional enhancements include blanket additional insured, waiver of subrogation, primary/non-contributory wording, per-project/per-location aggregates, and hired & non-owned auto or miscellaneous professional liability for certain classes. What are the minimum premiums and limits I should expect?Minimum premiums vary by product and state. As a guideline from the program: casualty minimums start around $500 and umbrella minimums start around $750; property and umbrella limits are available up to $5M. Submit specifics for an accurate premium indication. Need help placing an account? Connect with a market specialist.

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Allstar Underwriters, a division of Allstar Financial Group, offers a comprehensive Product Liability Insurance program designed to help agents and brokers place complex and non-standard risks. Whether your client is a manufacturer, importer, distributor, or startup, we can tailor coverage to meet their unique liability exposures. Ideal Accounts and Appetite We provide flexible solutions for a wide range of businesses involved in the production, distribution, or sale of physical products. Accounts that are a strong fit for our product liability program include: Manufacturers Importers Repackagers Sellers Distributors We are also open to unique and challenging submissions, including: Start-up companies Businesses with prior claims activity Non-renewed or hard-to-place risks Coverage Highlights and Advantages Our program offers Primary and Excess coverage options, with both Claims-Made and Occurrence forms available. Coverage types include: Product Liability Insurance only Product Liability with General Liability Coverage with vendors and product recall expense Excess Product Liability Worldwide coverage options Target industries include Food, Nutraceuticals, Pharmaceuticals, Chemicals, Medical Devices, Automotive Parts, Toys, Sporting Goods, and Raw Materials. Underwriting Flexibility Allstar Underwriters has the ability to handle complex and non-standard risks. We work with multiple carriers across both admitted and non-admitted markets, allowing us to find creative solutions for unusual or distressed accounts. Our underwriting team is experienced in reviewing challenging submissions and can structure terms to meet your client's requirements. Territories and Availability This product liability program is currently available in the following states: Alabama, Florida, Georgia, North Carolina, South Carolina, Tennessee, and Virginia. We offer access to both admitted and non-admitted markets, depending on the risk profile and carrier availability. Why Work With Allstar Financial Group? Allstar Financial Group is a trusted Managing General Agency and Excess & Surplus Lines Broker with deep expertise in specialty and hard-to-place risks. Our Product Liability program is built to serve the needs of agents and brokers seeking flexible, responsive underwriting and access to top carriers. We offer fast turnaround and personalized service to help you win and retain business. Give one of our underwriters a call today for more information. Frequently Asked Questions What types of accounts are a good fit for this program?This program is ideal for manufacturers, importers, distributors, repackagers, and sellers of consumer products—especially in industries like food, medical devices, automotive parts, toys, and chemicals. Can you consider start-ups or businesses with prior claims?Yes, Allstar Underwriters welcomes submissions for start-up businesses, as well as accounts with claims history or non-renewed coverage. What coverage options are available?We offer Primary and Excess Product Liability coverage, with options including standalone liability, general liability bundles, vendor coverage, recall expense, and worldwide protection. Is this program admitted or non-admitted?We work with both admitted and non-admitted markets to meet the specific needs of each account and state jurisdiction. Which states is this program available in?The program is currently offered in Alabama, Florida, Georgia, North Carolina, South Carolina, Tennessee, and Virginia. 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.

Thank you for contacting Allstar Financial Group regarding Habitational Property Insurance Risks. As a Managing General Agency and Excess & Surplus lines broker representing multiple national carriers, Allstar provides agents with admitted-package options when available and broad E&S capacity for challenging habitational risks. Overview — Habitational Property Insurance Risks from Allstar Financial Group Allstar places habitational property programs that combine property, general liability, automobile liability and workers' compensation — either as admitted packages (where available) or as custom E&S placements. We also offer stand-alone General Liability, Property, and Professional Liability policies. Our underwriting team focuses on timely, creative market options for accounts that need capacity outside the standard admitted marketplace. Ideal Accounts and Target Classes TARGET CLASSES: Apartments, Condominiums (including owner-occupied with rental), Hotels & Motels, Dwelling Fire We will also consider habitational risks with: - Low occupancy - Multiple occupants - Vacant property (multiple years vacant acceptable) - Extended-stay and similar exposures Coverage Highlights and Advantages - Broad placement options: admitted packages where available and robust E&S appetite for higher-risk or non-standard habitational properties. - Stand-alone and package flexibility: separate General Liability quotes are available when needed. - Coastal capacity available for eligible accounts. Underwriting Notes and Minimum Premiums Forms: ACORD and program supplementals are required on submission. Underwriting is driven by property condition, occupancy, protection measures, and loss history. Minimum premium levels vary by carrier and state—please contact an Allstar underwriter for specific minimums and program eligibility. Territories and Availability Available through Allstar Financial Group in: AL, GA, NC, SC, TN, and VA. Many placements are written non-admitted / E&S depending on carrier appetite and state regulations; admitted options may be available in select circumstances. Why Work With Allstar Financial Group on Habitational Risks Allstar combines wholesale distribution experience with direct carrier relationships to place habitational accounts that are difficult to place in standard markets. Our underwriters provide quick turnaround on submissions, flexible structuring, and access to multiple carriers so you can compare options and secure capacity for your clients. Example accounts that fit this program - A mid-size apartment complex with a recent roofing update but a marginal loss history where standard admitted markets declined — E&S placement with tailored liability limits and property coverage. - A small extended-stay hotel with mixed occupancy and historical vacancy for some units — separate GL and property options can be quoted to match exposure. Contact one of our experienced underwriters at Allstar Financial Group about your habitational property insurance needs today. Forms: ACORD/Supplementals Separate quotes for General Liability coverage available Coastal Capacity Available Frequently Asked Questions What types of habitational accounts does Allstar want?Allstar targets apartments, condominiums (including rental exposures), hotels & motels, and dwelling fire risks. We also consider accounts with low occupancy, multiple occupants, extended-stay exposures, and properties that have been vacant for multiple years. Are vacant properties eligible?Yes. Vacant properties can be considered and, in many cases, multiple years vacant is acceptable. Eligibility and terms depend on property condition, loss history, and the carrier’s appetite. What submission materials do you require?Provide ACORD applications and any program supplementals, current loss runs, occupancy details, protection class, and photos or inspection reports where available. Additional carrier-specific items may be requested during underwriting. Which states and placement types are supported?Allstar places habitational business in AL, GA, NC, SC, TN, and VA. Many placements are handled on a non-admitted / E&S basis, with admitted options possible depending on carrier and state. Need help placing an account? Connect with a market specialist.