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...ely on surety. Our Contract Surety Bond program helps agents and brokers place...dmission is appropriate, depending on bond class and carrier. How quickly can I get a bond issued?We offer fast turnaround, especially for bid and performance bonds. Actual timing depends on submission completeness and bond type. Do you work with new or finan...

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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.

As an independent owner-operator, it’s critical that both the driver and equipment are protected—on the job and off-duty. Allstar Financial Group’s Owner Operator Program provides a focused transportation insurance solution for owner-operators and small fleets, combining flexible liability options, physical damage coverages, and responsive claims service. Program Overview This program is designed to support independent contractors and small fleets from 1 to 1,000 units. Available in all 50 states plus D.C., the offering is scalable and can be placed mono-line or as a package to fill gaps that standard trucking policies may leave — for example, non-trucking liability for drivers leased onto a carrier or additional physical damage protection for owner-operators who need stated amount coverage. Ideal Accounts This program is a fit for: Independent owner-operators on permanent lease agreements Small to midsize fleets (1–1,000 units) Operators who need flexible options such as non-trucking liability and physical damage on a stated amount basis Example scenarios you might place: an owner-operator leased to a national carrier who needs non-trucking liability for personal/off-duty use, or a three-truck local fleet that wants to consolidate physical damage and liability coverages with monthly reporting. Coverage Features NON-TRUCKING LIABILITY - Limits up to $1,000,000 CSL - Standard ISO Business Auto form with CA23099 endorsement - Monthly reporting available for flexible exposure handling - Can be written mono-line or packaged with other lines - Underwriting focused on customer service and fast placement PHYSICAL DAMAGE - Limits up to $250,000 per unit (stated amount) - Deductibles up to $25,000 - Optional enhancements available, including: • Downtime coverage • Tarps, chains and binders • Personal effects • Single deductible option • Lease/finance gap coverage CLAIMS HANDLING - Managed by Allstar’s in-house TPA, National Claim Services - Nationwide adjustor network and 24/7 claims hotline - Fast-track handling for drivable physical damage claims - Nationwide glass repair program to reduce downtime Underwriting and Premiums Minimum premiums vary by coverage, number of units and state. Monthly reporting options let you scale exposure and premiums as your client grows. The program will consider mono-line placements or bundled programs that include Occupational Accident and Physical Damage where appropriate. Territories and Markets Allstar’s Owner Operator Program is available in all 50 states and the District of Columbia. The program accesses multiple carriers across admitted and non-admitted platforms to give you flexible placement options. Why Work With Allstar Financial Group Allstar Financial Group is a Managing General Agency and Excess & Surplus Lines broker with deep transportation expertise. You’ll benefit from responsive underwriting, program flexibility, and efficient claims handling through an in-house TPA. These capabilities help you retain clients and place hard-to-write owner-operator and small fleet risks more competitively. Frequently Asked Questions What types of accounts are a good fit for this program?The program targets independent owner-operators and small fleets (1–1,000 units). It’s particularly useful for drivers leased to carriers who require non-trucking liability or owners who want stated amount physical damage coverage. Can this program be written on a mono-line basis?Yes. Coverages can be written mono-line or bundled with other lines such as Occupational Accident and Physical Damage, depending on the client’s needs. Is this program available in all states?Yes. The Owner Operator Program is available in all 50 states and the District of Columbia. Who handles the claims for this program?Claims are managed by Allstar’s in-house TPA, National Claim Services, which provides 24/7 support and access to a nationwide adjustor network. What coverage limits are available for Non-Trucking Liability?Non-Trucking Liability limits are available up to $1,000,000 Combined Single Limit (CSL). Need help placing an account? Connect with a market specialist.

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.

Real Estate Development Allstar Financial Group offers Real Estate Development insurance solutions, including casualty and umbrella placements tailored for developers, general contractors and owners of apartment and condominium projects. Our small-business solutions division provides a streamlined quoting and binding process for habitational and mixed-use development accounts—call to speak with one of our underwriters for program specifics and submission requirements. Overview of the Program From Allstar Financial Group This program is designed to help agents place construction and development risks with flexible casualty and excess/umbrella options. Policies can be written on a project-specific basis or as broader packages where appropriate. The program supports both primary liability needs and excess limits to protect insureds from construction and premises exposure during development, lease-up and early operations. Casualty Coverage Highlights Monoline or package options Minimum premium starting at $500 Primary limits available up to $5,000,000 / $5,000,000 Project-specific policies available Uninsured subcontractor coverage Optional coverage enhancements, including: Blanket additional insured Waiver of subrogation Primary, non-contributory wording Per project / per location aggregate Hired & non-owned auto (certain classes) Miscellaneous professional liability (certain classes) Umbrella Coverage Highlights Limits available up to $5,000,000 Minimum premium starting at $750 Supported or unsupported placements Underlying Requirements and Underwriting Standards AM Best A-VI or better for auto or general liability AM Best B++ or better for employers liability Typical underlying GL limits: $1,000,000 / $2,000,000 / $2,000,000 Ideal Accounts and Appetite The program fits a broad range of real estate development risks, including: Contractors and general contractors Habitational developments (apartments, condos during construction and lease-up) Office, retail and mixed-use projects Vacant or phased occupancy projects Wholesale and institutional developers (subject to underwriting) Agents should submit accounts with clear project details, GC/subcontractor relationships, and reasonable loss control measures. The program can accommodate many common construction classes, but higher hazard or heavily insured-loss accounts may require referral. Coverage Advantages Flexible placement: monoline or packaged casualty options with project-specific policies when needed Enhanced endorsements available to satisfy owner/GC contract requirements (AI, waiver of subrogation, primary/non-contributory) Excess/umbrella capacity up to $5M with supported and unsupported structures Quick quoting and binding through a dedicated small-business solutions team Underwriting Notes and Minimums Minimum premiums noted in the program materials start at $500 for casualty and $750 for umbrella; actual minimums can vary by state, class and coverage structure. Project-specific placements are available—include scope, schedule, values and subcontractor controls with submissions to speed review. Territories and Availability This program is available in most of the southeastern U.S., including: AL, GA, LA, MS, NC, SC, TN and VA. Availability may vary by class and limit—please check with underwriting for territory-specific acceptances and any admitted vs. E&S placement requirements. Why Work With Allstar Financial Group on Real Estate Development Business Underwriter access: program administered by a managing general underwriter with excess & surplus lines brokerage capability, providing flexibility where admitted markets are limited. Practical endorsements to meet contract needs and reduce coverage gaps during construction and early occupancy. Responsive small-business solutions team that helps generate quick indications and bind policies for typical apartment and condo developments. Project and location aggregate options that help manage complex multi-site exposures. Example Accounts That Fit the Program A regional developer building a 150-unit apartment complex seeking primary GL with project-specific wording and a $2M primary limit, plus supported umbrella capacity. A general contractor on phased retail redevelopment needing blanket additional insured endorsements, Waiver of Subrogation and per project aggregate limits. Frequently Asked Questions What types of accounts are a good fit for this Real Estate Development program?Accounts that commonly fit include apartment and condominium developments, mixed-use retail/office projects, general contractors and owners with manageable loss histories and clear subcontractor controls. The program handles project-specific placements and multi-location risks within the stated territories. What are the minimum premiums and available limits?Casualty minimums start around $500 and umbrella minimums start around $750, though actual minimums can vary by state and submission. Primary limits are available up to $5M/$5M and umbrella limits up to $5M. Can the program provide contract language required by owners or lenders?Yes. The program offers a range of optional endorsements—blanket additional insured, waiver of subrogation, primary/non-contributory wording and per project/per location aggregate—to help satisfy contract requirements where available. Which states are supported and will you place on an admitted basis?The program is available across most southeastern states, including AL, GA, LA, MS, NC, SC, TN and VA. Placement (admitted vs. surplus) depends on the class, limits and state regulations; underwriting will advise the appropriate market for each submission. Need help placing an account? Connect with a market specialist.