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Lost Instrument Surety Bonds from Allstar Financial Group Allsta...ier’s or certified checks, or savings bonds—and need a bond to obtain replacem...

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.

J.M. Wilson offers specialized Property and General Liability insurance solutions for contractors working in the alarm installation and repair industry. With access to multiple A-rated carriers—both admitted and non-admitted—we can help you place accounts for clients who install, service, or monitor alarm systems, including burglar, fire, intercoms, access control, and closed-circuit television (CCTV) systems. Coverages are available on a monoline or package basis, depending on your client's needs. Ideal Accounts and Appetite This program is designed for licensed alarm contractors and technicians who provide installation, maintenance, and monitoring services. Ideal accounts include: Burglar and fire alarm system installers CCTV and camera system technicians Access control and intercom system providers Contractors offering remote monitoring services Accounts with a focus on commercial, residential, or mixed-use clients are eligible, and we can accommodate a wide range of business sizes from small operations to larger regional contractors. Coverage Highlights and Advantages We offer comprehensive Property and CGL coverages tailored to the risks faced by alarm installers and repair technicians. Key features include: Property Coverage Basic, Broad, or Special Form Replacement Cost or Actual Cash Value Equipment Breakdown Accounts Receivable and Valuable Papers Computer Equipment and Outside Signs Inland Marine, Building, and Contents Business Income General Liability Coverage Primary Limits up to $3M Occurrence / Aggregate Excess or Umbrella Limits up to $20M Medical Payments – $5,000 Limit Lost Key Coverage – $25,000 Limit Limited Errors & Omissions BI/PD Extension Property Damage Extension (Care, Custody & Control) – Up to $200K per Occurrence / $300K Aggregate Inside and Outside the Premises – Theft of Money and Securities Underwriting Notes and Minimum Premiums Minimum premiums vary based on the scope of operations, size of the business, and selected coverages. Submissions should include a completed application, loss runs (if applicable), and a detailed description of services provided. We work closely with agents to navigate underwriting requirements and provide competitive solutions. Territories and Availability This program is available in the following states: AL, AR, GA, IL, IN, IA, KS, KY, MI, MS, MO, NE, NC, OH, OK, PA, SC, TN, VA, WV, and WI. We represent a wide range of carriers, offering both admitted and non-admitted options depending on the state and risk profile. Why Work With J.M. Wilson? As a Managing General Agency and Excess & Surplus Lines Broker, J.M. Wilson brings decades of experience in placing niche contractor risks. Our team understands the unique exposures faced by alarm installation professionals and works with agents to deliver fast, flexible, and competitive insurance solutions. Whether your client is a startup alarm technician or a regional monitoring company, we’re here to help you secure the right coverage. Visit our website, www.jmwilson.com to learn more! Frequently Asked Questions What types of accounts are a good fit for this program?This program is ideal for licensed contractors who install, service, or monitor burglar alarms, fire alarms, intercoms, access control systems, and CCTV systems. Is coverage available for companies that offer alarm monitoring services?Yes, accounts that provide remote monitoring in addition to installation and service are eligible for coverage. Are both monoline and package policies available?Yes, J.M. Wilson can offer coverage on either a monoline or package basis depending on client needs and underwriting considerations. What states is this program available in?This program is available in AL, AR, GA, IL, IN, IA, KS, KY, MI, MS, MO, NE, NC, OH, OK, PA, SC, TN, VA, WV, and WI. Do you offer admitted and non-admitted options?Yes, we have access to both admitted and non-admitted carriers to help you find the best fit for your client’s risk profile and location. Need help placing an account? Connect with a market specialist.

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Beauty Insurance Consultants is your trusted partner for Cosmetic Industry Insurance. As a specialized program under VAIL - Value Added Insurance Lines, we offer tailored coverage solutions for a broad range of businesses in the cosmetics and personal care sectors. Whether you're working with a boutique skincare line or a global cosmetics distributor, our program is designed to address the unique exposures of this dynamic industry. Ideal Accounts and Appetite Our program is built to serve the full supply chain of the cosmetic and personal care industry, including: Cosmetic Manufacturers Distributors, Importers, and Exporters Raw Material and Component Suppliers Retailers and Wholesalers (online and brick-and-mortar) OTC Product Suppliers Beauty and Spa Equipment Vendors Spas and Salons If you're placing coverage for a start-up cosmetics lab, an established spa franchise, or a packaging supplier, we have the flexibility and expertise to help you secure the right insurance solution. Coverage Highlights and Program Features Product & General Liability tailored to cosmetic products Occurrence Form available for broader protection Liability limits up to $1,000,000 with unlimited umbrella capacity Blanket Additional Insureds and Broad Form Vendors coverage Demonstrators Liability for in-store or event sampling Industry-specific property enhancements available Worldwide coverage for both liability and property Coverage for Ocean & Inland Marine, Business Auto, and more Additional Benefits and Flexibility Low minimum premiums — making it accessible for emerging brands Various deductible options for customized risk tolerance Supplier Certificate Review as part of risk management support Territories and Program Availability This program is available nationwide in all 50 states, including DC. From California to New York, our reach ensures you can place business across a wide geographic area with confidence. Why Work With Beauty Insurance Consultants Through VAIL As a division of VAIL - Value Added Insurance Lines, Beauty Insurance Consultants brings focused expertise to an evolving and competitive industry. We understand the regulatory, reputational, and product liability risks that beauty and cosmetic businesses face. Our team offers responsive service, flexible underwriting, and solutions that keep pace with the market — whether your client is launching a new serum or distributing wellness products globally. Frequently Asked Questions What types of accounts are a good fit for this program?Ideal accounts include cosmetic manufacturers, distributors, importers, retailers, spas, and beauty equipment suppliers. We can accommodate both startups and established businesses. Is there a minimum premium for this program?No, there is no set minimum premium, making it accessible for smaller or emerging businesses in the cosmetic industry. What coverage forms are available?We offer occurrence form coverage, which provides protection for claims that occur during the policy period, regardless of when they are reported. Can this program cover international exposures?Yes, worldwide coverage is available for both liability and property risks, which is beneficial for clients with global operations or exports. In which states is this program available?The program is available in all 50 states and Washington, DC, offering broad flexibility for agents placing business across the country. Need help placing an account? Connect with a market specialist.

Contact RISC Inc. today for direct access to Demolition Select, a tailored and admitted insurance program designed specifically for demolition contractors. This program provides comprehensive coverage solutions for demolition operations that generate a minimum of $150,000 in annual receipts. Coverage Available for Demolition Contractors: Commercial General Liability Excess Liability Property & Inland Marine Commercial Auto General Liability & Excess: $1,000,000 Per Occurrence $2,000,000 General Aggregate $2,000,000 Products/Completed Operations Aggregate* $100,000 Fire Damage Legal Liability $1,000 Minimum Deductible, Per Occurrence Up to $5,000,000 In-house Follow-form Excess Authority (additional limits available with underwriting approval) Special Extensions Available: Blanket Additional Insured Per Job Aggregate Blanket Waiver of Subrogation Employee Benefits Liability Direct Billing Available Submission Requirements: Completed ACORD Applications Supplemental Application Five years of currently valued loss runs with details for losses over $10,000 Two-year job list and/or current certificate holders list Five years of premium, payroll, and receipts RISC Inc. is a trusted Program Administrator with extensive experience in placing demolition contractor risks. With Zurich North America as the carrier partner, this program is backed by strong underwriting and financial stability. The Demolition Select program is available in most states, including CA, TX, NY, FL, IL, PA, and many others—covering 48 states plus DC. This program is ideal for contractors who specialize in structural, interior, or selective demolition work. Whether your client handles high-rise building demo in urban areas or industrial site clearing in rural zones, RISC can help you secure coverage that fits. Example Account Fit: You might have a client who performs building demolition in major metro areas with high equipment values and subcontractor exposure. Or, a contractor who focuses on interior demolition in commercial renovation projects. Both would be strong fits for this program, provided they meet the minimum receipt threshold. There is no stated minimum premium, and underwriting is flexible based on risk characteristics. RISC works closely with agents to provide fast turnarounds and competitive options for tough-to-place demolition accounts. Call RISC today for help on all of your Demolition Contractors Insurance needs! Frequently Asked Questions What types of accounts are a good fit for the Demolition Select program?Accounts with at least $150,000 in annual receipts that perform structural, interior, or selective demolition work are ideal. The program is suited for both urban and rural demolition contractors. Is this program admitted or non-admitted?Demolition Select is an admitted program available in most states, offering stability and regulatory compliance for your clients. Which carrier backs this program?The program is underwritten through Zurich North America, providing strong financial backing and trusted claims handling. Are there any minimum premium requirements?There is no stated minimum premium, allowing flexibility depending on the size and scope of the demolition operation. What submission materials are required to quote?Agents need to submit ACORD forms, a supplemental application, five years of loss runs, a two-year job list or certificate holders list, and five years of premium, payroll, and receipts data. Need help placing an account? Connect with a market specialist.

Amwins Program Underwriters' Demolition Contractors program through Amwins Underwriting is a specialty placement for demolition, wrecking and salvage contractors. As a managing general agency, Amwins offers a focused package that combines general liability, auto, pollution, and excess liability to address the primary exposures of demolition operations. The program targets established demolition contractors and provides specialty underwriting, loss-control support, and superior claims handling via an AM Best "A" rated carrier. Overview of the Program from Amwins Underwriting This program is designed for contractors who perform demolition and salvage work as their primary business. Coverage can include: Commercial General Liability Automobile Liability (including pollution-contaminant liability on autos) Pollution liability (operations-related) Excess/Umbrella limits to broaden protection Limits are competitive for this class: General Liability up to $1,000,000 per occurrence / $2,000,000 aggregate and Automobile up to $1,000,000 CSL. General Liability is placed on non-admitted paper; other lines are typically written on admitted paper. Ideal Accounts and Appetite This program is a strong fit if your client meets the following: At least 75% of gross receipts are from demolition-related activities. Primary operations include selective demolition, structure dismantling, salvage, and site clearance without high-hazard methods. Clients who handle recycling of construction debris, excavation, or grading as incidental operations (collectively up to 25% of GL receipts). Examples of good-fit accounts: A mid-sized contractor performing commercial interior and selective structural demolition with on-site salvage and debris recycling. A salvage operator who specializes in controlled dismantling and scrap recovery with limited subcontracting. Underwriting Notes and Restrictions Minimum premium: $10,000 for General Liability. Subcontracting limits: not eligible if more than 25% of demolition operations are subcontracted to others. Ineligible operations: wrecking-ball demolition and blasting performed by the insured are excluded. Inspections and loss control reviews are commonly required for new and renewal accounts. Coverage Advantages Program tailored specifically to demolition/salvage exposures rather than placed in a broader construction marketplace. Access to admitted wording for most lines (GL on non-admitted paper only) with an AM Best "A" rated insurer behind the program. Local rating and underwriting decisions through Amwins' specialty team and superior claims and loss control service designed for this class. Territories and Availability Available in all U.S. states except Alaska (AK) and Hawaii (HI). Underwriting availability and specific terms may vary by state due to regulatory differences. Why Place This Business with Amwins Underwriting As a managing general agency, Amwins Underwriting brings niche expertise in demolition risks, strong carrier relationships, and dedicated service for agents. Use this program when you need a market that understands demolition exposures, will consider packaged liability/auto/pollution placements, and can offer excess capacity for larger accounts. Frequently Asked Questions What types of demolition contractors are a good fit for this program?Contractors whose primary business (at least 75% of receipts) is demolition, wrecking, salvage or selective dismantling and who do not perform blasting or wrecking-ball work. Incidental excavation, grading and debris recycling are acceptable up to 25% of GL receipts. Is General Liability placed admitted or non-admitted?General Liability for this program is generally placed on non-admitted paper; other lines such as auto and pollution are typically placed on admitted paper. Final placement depends on state availability and underwriting. What are the key underwriting requirements I should expect?Expect a minimum GL premium of $10,000, subcontracting limits (no more than 25% of demolition operations subcontracted), and routine loss-control reviews or inspection reports for new or higher-exposure accounts. Are blasting, wrecking ball, or heavily subcontracted jobs eligible?No. The program excludes blasting and wrecking-ball operations performed by the insured, and it will not accept accounts where more than 25% of demolition operations are subcontracted out. Need help placing an account? Connect with a market specialist.