https://completemarkets.com/company/allstar/Offices-Insurance/
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.