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Workers Compensation Solutions for Hotels and Motels Insurance Program Manag...for this program?This program targets hotels, motels, and extended-stay properties, in...

Comprehensive insurance solutions for hotels, motels, bed & breakfasts, and inns ...is program?Franchised and independent hotels, roadside motels, bed & breakfasts, and small inns...

...: Commercial Umbrella Programs for Hotels & Motels New Empire Group off...is program?Franchised and independent hotels, motels, and lodging groups looking for a...

...e of establishments, including: Hotels and Motels Pool Halls and Bowling ...s such as bars, taverns, restaurants, hotels, motels, pool halls, bowling centers, and...

...) Destination resorts and resort hotels with multiple leisure and recreation activities Boutique hotels and destination spa hotels Golf resorts and country clubs wit... operations — for example, resorts or hotels that operate lodging plus recreat...

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.

... Food distributors Hospitals, hotels, and motels Manufacturers and large property... (fine dining and family) Retail chains and shopping centers Technolog...

...lude small multi-site gas station chains, municipality fuel depots with older ...

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.

Comprehensive Healthcare Facilities Insurance from Continental Risk / Continental Marine Insurance Services Continental Risk / Continental Marine Insurance Services offers a Healthcare Facilities Insurance program to help agents place outpatient and non-hospital medical operations. As an experienced Excess & Surplus Lines broker, Continental Risk provides market access to A-rated carriers and tailored solutions for facilities that present unique professional liability, general liability, and property exposures. Ideal Accounts and Target Classes This program is designed for outpatient and non-hospital healthcare facilities that need combined professional and general liability protection, plus property where applicable. Typical classes include: Independent clinics Diagnostic imaging centers Outpatient surgery centers Medical laboratories Urgent care centers Pharmacies Similar outpatient healthcare facilities Example fits: you might have a client opening a multi-site urgent care chain, or a diagnostic lab expanding equipment and staffing—both are the kind of risks this program targets. This program is generally not intended for inpatient hospitals, long-term acute care facilities, or facilities with high-risk cosmetic surgical practices; please confirm unique exposures with underwriters. Coverage Highlights and Advantages Continental Risk packages flexible coverages to address common and complex exposures for outpatient providers. Available coverages include: Professional Liability – defense and indemnity for malpractice and errors & omissions by clinical staff. General Liability – premises, slip-and-fall, product and Completed Ops exposure. Excess Liability – higher limits that sit above primary policies for catastrophic loss scenarios. Property – buildings, equipment, and contents (available up to $5,000,000 Total Insured Value). Standard primary limits typically offered are $1,000,000 per occurrence / $3,000,000 aggregate for General and Professional Liability, with Excess Liability available up to $5,000,000. Property TIV is available up to $5,000,000 where admitted or non-admitted placement is appropriate. Underwriting Notes and Minimum Premiums Continental Risk works through a mix of admitted and non-admitted markets depending on state rules and risk characteristics. Minimum premiums vary by class and exposure; underwriting flexibility is available to accommodate both standard and harder-to-place accounts. To expedite quotes, agents should provide complete submissions including loss history, detailed descriptions of operations, staff credentials and licensure, lease or ownership information for premises, and current insurance schedules where applicable. Territories and Availability The program is available in most U.S. states. Territories include: AL, AK, AZ, AR, CA, CO, CT, DE, FL, GA, HI, ID, IL, IN, IA, KS, KY, ME, MD, MA, MI, MN, 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. Please confirm state-specific availability before submission. Why Work With Continental Risk / Continental Marine Insurance Services? As a specialist E&S broker, Continental Risk combines deep underwriting relationships with a market-driven approach to place complex outpatient healthcare risks. Agents benefit from access to A-rated markets, flexible admitted/non-admitted placement, and a team experienced with medical professional and premises liability nuances. Continental Risk aims to move quickly on submissions and provide pragmatic risk placement strategies for multi-location and growing practices. Whether your client is launching a new imaging center or expanding urgent care locations, Continental Risk can help structure limits and coverages to match operational and regulatory needs. Need help placing an account? Connect with a market specialist. Frequently Asked Questions What types of healthcare facilities qualify for this program?This program focuses on outpatient and non-hospital facilities such as clinics, urgent care centers, diagnostic labs, pharmacies, and outpatient surgical centers. What coverage limits are available for liability and property?General and Professional Liability are commonly offered at $1,000,000 per occurrence and $3,000,000 aggregate. Excess Liability can be placed up to $5,000,000. Property TIV is available up to $5,000,000 depending on the market. Is this program available nationwide?The program is available in most U.S. states. Confirm state-specific availability with Continental Risk before submitting an application. Are both admitted and non-admitted markets used?Yes. Placement may be admitted or non-admitted depending on the state and the individual risk profile. What information is needed to get a quote?Provide a detailed submission including operations description, staffing and licensure, prior loss runs, lease or property details, and any existing insurance schedules to receive an efficient quote and placement. Need help placing an account? Connect with a market specialist.