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...ve a client who is renovating a commercial plaza and is required by the city t...cally, you’ll need the project scope, bond amount, financials, and any applica...

Allstar Surety, a division of Allstar Financial Grou...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...

...ue to non-compliance by the bonded party Streamlined application and processing through experienced surety underwriters Access to a variety of...nd plans to trap within Georgia, this bond can be placed regardless of their h...

...to accommodate a broad range of commercial risks, including: Retail and Who...il shop owner, or manages a vacant commercial property, this program offers so...

... Allstar targets a broad set of commercial risks that align with club operatio...

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.

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.

Thank you for your interest in the North Carolina Personal Auto Insurance program from Allstar Financial Group. Allstar Underwriters, a division of Allstar Financial Group, offers a reliable personal auto insurance solution tailored for independent agents serving clients across North Carolina. Backed by strong carrier relationships—most notably with Stonewood Insurance Company—this program is designed to provide competitive coverage options for a wide range of personal auto risks. Ideal Accounts and Appetite This program is ideal for standard and substandard personal auto risks. Whether you're working with clients who have clean driving records or those with minor infractions, Allstar Underwriters can help you find the right fit. Typical accounts include: Everyday drivers seeking state-required minimum or full coverage Clients with prior insurance lapses or limited insurance history Drivers with minor violations or less-than-perfect credit Younger or first-time drivers needing affordable coverage If you have a client who’s been turned down due to a lapse in coverage or a few points on their license, this program may be the answer. Coverage Highlights and Advantages Liability, collision, and comprehensive coverage options Flexible limits to meet both minimum and expanded needs Optional coverages such as roadside assistance and rental reimbursement Access to a responsive underwriting team and support staff Allstar Underwriters emphasizes personal service, helping agents navigate placement and provide customized solutions for their clients’ unique needs. Underwriting Notes and Minimum Premiums Minimum premiums vary based on driver profile, vehicle type, selected coverages, and location. The program offers flexibility for both standard and non-standard risks, with underwriting designed to accommodate a variety of scenarios while maintaining sound risk management. Submissions should include complete driver and vehicle information, prior insurance history, and any relevant MVR data. Territories and Availability This personal auto program is available exclusively in North Carolina. Allstar Underwriters operates a dedicated personal lines office in Clayton, NC, providing local expertise and support for agents throughout the state. Some admitted options are available depending on the specific risk and carrier underwriting guidelines. Why Work With Allstar Financial Group? Allstar Financial Group is a trusted Managing General Agency with deep experience in personal lines insurance. Through Allstar Underwriters, agents benefit from strong carrier partnerships, responsive service, and underwriting flexibility. Whether you’re managing high-volume personal auto placements or looking for solutions for hard-to-place drivers, Allstar is committed to helping you grow your book efficiently and profitably. Frequently Asked Questions What types of accounts are a good fit for this program?This program is ideal for North Carolina drivers who need standard or substandard personal auto coverage, including those with minimal driving history, minor violations, or prior coverage lapses. Is this program available outside of North Carolina?No, this personal auto program is currently offered only in North Carolina through Allstar Underwriters. Which carriers does Allstar Underwriters work with for this program?The program is underwritten through Stonewood Insurance Company, a carrier experienced in the personal auto market. Are admitted options available for this program?Some admitted options may be available depending on the risk and underwriting criteria. Contact the underwriting team for specifics. What documents are needed for a submission?Submissions should include driver and vehicle details, prior insurance history, and motor vehicle records (MVRs) when available. 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.

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.