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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.

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...sist of Commercial Storage Tanks, Dealers Storage Tanks, Dance Schools, Educat... Canonsburg, Pennsylvania. AAU's Dealers Storage Tanks Program offers coverages with the exposures of dealerships in mind. Targeted Classes Include: Auto Dealers Auto Service Stations Aut...

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Medical Facilities Insurance Amwins Program Underwriters offers a focused Medical Facilities program designed to provide package coverage for many types of medical facilities. The program has been in the market for over 40 years and combines professional and general liability protections tailored to facility operations. Learn more about the package of professional and general liability coverages that are unique to medical facilities on the program page: package of professional and general liability coverages that are unique to medical facilities. Overview of the Program from Amwins Underwriting This program is marketed through Amwins Underwriting as a Managing General Agency product for agents and brokers who place medical facility exposures. It is a package-oriented program that bundles professional liability with general liability and offers admitted property and fidelity bond options. The form language is responsive to facility risks (for example, the policy’s bodily injury definition on the CGL includes mental anguish/mental injury, and sexual abuse is defined within “Professional Services Wrongful Act” on the professional form). Ideal Accounts and Appetite Rehab and residential rehabilitation facilities Community clinics, family planning clinics, rural health clinics Allied health schools and college/university health centers Community health centers and public health departments Dialysis centers, sleep centers, imaging centers (X-ray, CT, MRI, ultrasound) Emergicenters/urgent care centers and standalone surgery centers Medical laboratories (drug testing, paternity, pathology) and mobile operations Facilities offering cosmetic procedures such as lipodissolve Generally a good fit for licensed facility operations with defined clinical protocols and documented credentials. The program can be used for single-site facilities and many types of mobile operations when exposures are within the program’s underwriting guidelines. Coverage Highlights and Advantages Professional Liability (primary component of the package) General Liability (must be written with Professional Liability) Property — admitted paper available Employee Benefits Liability (requires PL and CGL to be placed) Package policy includes coverage for independent contractors while working within the scope of duties for the Named Insured Bodily injury definition on the CGL includes mental anguish and mental injury Crime / Fidelity Bond — admitted Sexual abuse included within the professional services wrongful act definition Defense costs are generally outside the policy limits on the package form Ability to quote Excess Liability Worldwide coverage available provided the claim is filed in the U.S. Carriers participating on the program include Ironshore Insurance Services (a Liberty Mutual Company) for primary casualty, National Union Fire Insurance (an AIG Company) for bond capacity, and admitted property handled with Liberty Mutual admitted paper where applicable. Underwriting Notes and Typical Restrictions This program is primarily non-admitted for casualty lines; property and fidelity bond are placed on admitted paper where available. General Liability will not be written standalone — Professional Liability must be included. Employee Benefits Liability requires both Professional Liability and Commercial General Liability on the policy. Underwriting focuses on documented credentialing, scope of services, patient flow, staffing ratios, and written protocols for higher-exposure procedures. Some high-risk procedures or uninsured facility operations may be excluded or require referral to specialty markets. If you have specific accounts that include unusual services or higher limits, contact Amwins Underwriting to discuss referral or excess capacity options. For minimum premiums and specific retentions, please request current underwriting guidelines from Amwins — minimum premium information is determined on a case-by-case basis and is subject to carrier rules. Territories and Availability The program is available nationwide. Amwins Underwriting quotes this product for accounts across all states and the District of Columbia. Note the program places casualty on a non-admitted basis in most jurisdictions, while property and bond are placed as admitted paper where required. Why Work with Amwins Underwriting on Medical Facilities Specialized program with 40+ years’ experience placing medical facility risk. MGA access to well-known specialty markets for casualty, bond, and admitted property. Package form features designed for facility exposures (IC coverage, expanded BI definition, sexual abuse wording within professional services). Ability to provide excess limits and worldwide coverage (with U.S.-filed claim requirement). Responsive underwriting for agents who submit complete credentialing and exposure information. Example scenarios where this program commonly places business: You may have a medium-sized outpatient surgery center seeking combined professional and general liability with admitted property and crime coverage; or a community health center with multiple services (imaging, lab, and clinic) that needs a package policy and excess liability options. How to Submit Submit detailed applications and supporting credentialing, operation descriptions, and loss history to Amwins Underwriting through your usual wholesale/ MGA submission channel. Providing clear information on services performed, independent contractors, and any procedures performed onsite speeds the quote process. Frequently Asked Questions What types of accounts are a good fit for the Amwins Medical Facilities program?The program targets clinics, rehab facilities, dialysis centers, imaging and lab operations, urgent care and surgery centers, allied health schools, and similar facility-based medical operations with documented credentialing and standard clinical protocols. Is General Liability available on its own?No. General Liability is offered only as part of the package and must be written with Professional Liability under this program. Are any coverages admitted?Yes. Property and fidelity/crime bond are placed on admitted paper where available. Casualty lines (professional and general liability) are typically placed on a non-admitted basis. Does the program cover independent contractors?Yes. The package policy includes coverage for independent contractors while they are working within the scope of duties for the Named Insured, subject to underwriting approval and policy terms. Need help placing an account? Connect with a market specialist.

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Overview — Continental Risk: Air Conditioning Systems Program Continental Risk / Continental Marine Insurance Services offers a specialized Excess & Surplus Lines program for contractors and businesses that install, service or maintain air conditioning systems. This program is placed with an A-rated carrier and is designed for agents who need an E&S option for accounts that require broader terms than standard admitted markets can provide. Ideal Accounts and Appetite HVAC contractors performing installation, replacement, service and repair work. Commercial and light-commercial accounts, including retail, small offices, property management vendors, and multi-family maintenance contractors. New residential construction and tract work are acceptable (subject to underwriting and higher minimums). Accounts needing combined General Liability with tailored protection for auto and pollution exposures. Coverage Highlights and Advantages Blanket Additional Insured (Blanket AI) is included to simplify certificate issuance for GC and property owner relationships. Defense outside the limits feature with a 1/2/2 limit structure (defense outside the limits as described by the insurer). Excess limits are available to layer over primary placements when higher limits are required. Ability to include Automobile and Pollution cover for qualifying operations — useful for contractors who transport refrigerants or perform operations with potential pollutant exposure. Non-admitted placement through an experienced E&S broker allowing flexible terms for accounts that do not fit admitted market guidelines. Underwriting Notes and Minimum Premiums Underwriting focuses on operational controls, experience, and loss history. Key considerations include payroll, annual receipts, percentage of new residential vs. service work, safety programs, and refrigerant handling procedures. Minimum premium: $775 for accounts without new residential exposure. Minimum premium: $3,000 for accounts that include new residential work or tract construction. Higher minimums or specific underwriting requirements may apply to accounts with significant pollution exposure, large payrolls, or recent loss activity. Territories and Admitted Status This is a non-admitted (E&S) program and is available in the following jurisdictions: AL, AK, AZ, AR, CA, CO, CT, DE, FL, GA, HI, ID, IL, IN, IA, KS, KY, LA, ME, MD, MA, MI, MN, MS, MO, MT, NE, NV, NH, NJ, NM, NY, NC, ND, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VT, VA, WA, DC, WV, WI, WY Why Place Air Conditioning Business with Continental Risk Specialized E&S broker expertise — Continental Risk understands contractor exposures and works to craft practical solutions for HVAC risks. Market access to an A-rated carrier with favorable policy features, including blanket AI and defense outside the limits. Ability to package GL with auto and pollution cover for a more complete placement from a single program. Flexible excess capacity available when higher limits are required. Responsive underwriting for tract and new residential work when properly documented and priced. Example Accounts Example 1: You have a regional HVAC contractor with $1.2M in annual receipts who performs commercial service and small new-build residential installs. The program can provide GL with pollution coverage and blanket AI, with a quoted minimum premium adjusted for the new residential exposure. Example 2: You represent a property management vendor that performs routine HVAC maintenance across several multi-family properties and uses company vehicles to transport refrigerants. This program can combine GL, auto, and pollution cover in a single non-admitted placement with appropriate underwriting. For more information about the Air Conditioning Systems product and submission requirements, visit www.continentalriskins.com or contact Continental Risk through your usual wholesaler channels. Frequently Asked Questions What types of HVAC accounts are a good fit for this program?Contractors doing commercial service, light commercial installs, multi-family maintenance, and limited new residential or tract work are typical fits. Accounts with strong safety programs and manageable pollution exposure are preferred. Is this an admitted or non-admitted program?This is a non-admitted (E&S) program. Continental Risk places business where admitted markets are not suitable or flexible terms are needed. Are auto and pollution coverages available?Yes. Continental Risk can offer automobile and pollution coverage as part of the package for qualifying HVAC operations. These are underwritten alongside GL to ensure proper limits and conditions. How does the program handle additional insured requests?Blanket Additional Insured is included, which simplifies certificate issuance for general contractors and property owners. Specific endorsements and wording will be provided based on the insured’s operations and contracts. What are the minimum premiums and when do they apply?Minimums are $775 for accounts without new residential exposure and $3,000 for accounts that include new residential or tract work. Underwriting may require higher premiums for elevated exposures or recent losses. Need help placing an account? Connect with a market specialist.

...sist of Commercial Storage Tanks, Dealers Storage Tanks, Dance Schools, Educat...