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Overview — Vacant Building Insurance from Allstar Financial Group Allstar Underwriters offers a Vacant Building Insurance program through Allstar Financial Group designed for agents and brokers placing vacant or unoccupied properties. Vacant buildings carry elevated property and liability exposures — vandalism, fire, intruders and hidden hazards — and this program combines property, casualty and umbrella solutions to close those protection gaps quickly. Ideal Accounts and Appetite This program targets a broad set of vacant property exposures, including: Contractors (short-term vacancy during construction or between tenants) Habitational properties (vacant apartments, multifamily awaiting renovation) Office buildings and retail locations Wholesale, institutional, and other commercial vacancies Typical fits are buildings with clear vacancy plans, reasonable physical protection (fencing, boarded openings, periodic inspections) and values within the program limits. Accounts with ongoing renovation, active work by insured contractors, or those requiring project-specific wording can often be accommodated. Higher-hazard occupancies, long-term derelict properties without risk management, or properties with a history of frequent claims may fall outside appetite. Property Coverage Highlights TIV up to $5 million per location Monoline or packaged solutions No-coininsurance options available (varies by risk) Optional coverage enhancements Equipment breakdown available Risk types: Contractors, Habitational, Offices, Vacancies, Retail, Wholesale, Institutional Casualty Coverage Highlights Monoline or package casualty available Minimum premium starting at $500 (subject to underwriting) Primary limits up to $5M / $5M Project-specific policies available Uninsured subcontractor coverage where appropriate Optional endorsements and enhancements such as: Blanket additional insured Waiver of subrogation Primary and non-contributory wording Per project / per location aggregate Hired & non-owned autos (certain classes) Miscellaneous professional liability (certain classes) Risk types: Contractors, Habitational, Offices, Vacancies, Retail, Wholesale, Institutional Umbrella Coverage Highlights Limits available up to $5 million Minimum premium starting at $750 (subject to underwriting) Available as supported or unsupported umbrella Underwriting Notes and Minimums Underlying requirement examples: AM Best A-VI or better for auto or general liability AM Best B++ or better for employers liability Typical GL limits: $1M / $2M / $2M Minimum premiums and terms vary by state, risk class and coverages requested. Property TIV, protective measures, occupancy history and active risk management are key factors in pricing and eligibility. Carriers: multiple markets participate; program is administered as an MGA / E&S broker offering flexible placement options. Territories and Admission Status Availability: Most Available States. Currently available in: AL, GA, LA, MS, NC, SC, TN, VA. The program is offered through excess & surplus lines placement when required; admitted availability may vary by state and carrier. Why Work With Allstar Financial Group on Vacant Building Business Allstar’s vacant building program is designed for speed and flexibility. Underwriters are experienced with vacancy exposures and can tailor property, casualty and umbrella combinations — including project-specific wording — to suit transitional or between-tenant scenarios. Multiple carrier relationships increase placement options for harder-to-place accounts and the program’s endorsement choices (additional insureds, waiver of subrogation, per-project aggregates) help manage contractual requirements for contractors and owners. Examples of Good Fits A regional property manager with a 3-story vacant retail building undergoing planned renovation and with boarded openings and monthly inspections — needs property and GL with builder’s risk and equipment breakdown options. A contractor controlling a vacant storefront between tenants that requires project-specific primary/non-contributory GL and hired/non-owned auto coverage for subcontractors on site. Submission Guidance Submit a completed application, recent photos of the property, TIV and occupancy status, loss history and details of any risk mitigation (security, boarding, inspections). Disclose active construction, contractor exposure and projected timelines — project-specific wording may be needed. Underwriters will evaluate vacancy period, protection measures and repair/rehab plans when placing coverage and calculating rates. Frequently Asked Questions What types of vacant properties are a good fit for this program?Buildings with a clear vacancy plan, reasonable physical protection (boarded openings, fencing, inspections), TIV up to $5M per location, and occupancies such as contractors, habitational, office, retail, wholesale and institutional uses are generally a good fit. What are the minimum premiums and available limits?Minimum premiums vary by coverage: casualty typically starts around $500 and umbrella around $750, subject to underwriting. Property, casualty and umbrella limits are available up to $5M depending on the line and risk. What underwriting information does Allstar require on submissions?Provide a completed application, recent property photos, TIV, vacancy duration, loss history, and any risk mitigation details (security, inspections, repairs). Disclose active construction or contractor activity so project wording can be considered. Which states and placement options are available?The program is available in most states and is currently offered in AL, GA, LA, MS, NC, SC, TN and VA. Placement may be through admitted or E&S markets depending on state and carrier requirements. Need help placing an account? Connect with a market specialist.

Commercial Umbrella Liability Insurance Program from First Choice Insurance Intermediaries, Inc. First Choice Insurance Intermediaries, Inc. offers a robust Commercial Umbrella Liability Insurance program designed to help agents and brokers protect their commercial clients against catastrophic liability losses. This program provides excess limits over the insured’s primary liability policies, including general liability, auto liability, and employer’s liability. It also helps close gaps and exclusions that may exist in the underlying coverage. Ideal Accounts and Appetite This program is well-suited for a wide range of commercial clients who require higher liability limits or who operate with elevated risk exposures. Ideal accounts include, but are not limited to: Contractors and construction firms with multiple job sites Retail businesses with significant foot traffic Distributors and manufacturers with product liability concerns Transportation and logistics companies needing excess auto liability Hospitality businesses such as restaurants or event venues with liquor liability exposures If you have a client with a growing operation or a high public exposure, this umbrella product can provide the additional peace of mind they need to operate confidently. Coverage Highlights and Advantages The commercial umbrella policy from First Choice can provide: Worldwide coverage Personal injury protection Blanket contractual liability for both written and oral contracts Care, custody, and control coverage Non-owned aircraft and watercraft liability Advertisers and liquor liability XCU (explosion, collapse, underground) liability Extensions of coverage to additional insureds This policy is designed to pick up where primary policies leave off, offering critical protection in high-severity loss scenarios. The umbrella can also respond when certain exclusions in primary policies might otherwise leave the insured exposed. Underwriting Notes and Deductibles The program requires underlying primary third-party liability coverage to be in place. Deductibles apply based on the underlying policy terms and limits. Premium financing is available, making this program an accessible option for a wide range of clients. While there is no fixed minimum premium listed, the program is structured to be competitive and flexible depending on the risk profile. Contact First Choice for underwriting requirements on specific accounts. Territories and Market Access First Choice Insurance Intermediaries, Inc. offers access to this program in the following states: AL, CA, CO, CT, DE, FL, GA, IL, IN, KS, LA, MD, MA, MI, MO, NV, NJ, NM, NY, NC, OH, OR, PA, SC, TN, TX, VA, WA, and WI. Coverage is available in both admitted and non-admitted markets depending on the risk and jurisdiction, allowing flexibility to meet diverse client needs. Why Work With First Choice Insurance Intermediaries, Inc.? As a wholesale broker, First Choice brings deep market access and underwriting expertise to help you place challenging or high-limit liability accounts. Their umbrella liability product is designed for flexibility, with broad coverage and support for a wide range of industries. Whether your client operates nationally or regionally, First Choice can help you secure the protection they need to safeguard their business against large-scale liability exposures. Frequently Asked Questions What types of accounts are a good fit for this Commercial Umbrella program?This program is ideal for contractors, manufacturers, distributors, transportation firms, retailers, and hospitality businesses with significant liability exposures or the need for higher coverage limits. What underlying coverages are required?Insureds must carry primary liability policies such as general liability, auto liability, and employer’s liability. These serve as the foundation for the umbrella policy to provide excess coverage. Is premium financing available?Yes, premium financing is available to help make coverage more accessible for your clients. Is this coverage available in admitted markets?Some markets within this program are admitted, while others are non-admitted. Availability depends on the state and the nature of the risk. In which states is this program available?This Commercial Umbrella program is offered in AL, CA, CO, CT, DE, FL, GA, IL, IN, KS, LA, MD, MA, MI, MO, NV, NJ, NM, NY, NC, OH, OR, PA, SC, TN, TX, VA, WA, and WI. Need help placing an account? Connect with a market specialist.