Search CompleteMarkets

...tract Bid, Payment and Performance Bond J.M. Wilson Corp. offers a Quick...pplicant’s credit and the size of the bond request. Are these bonds admitted or non-admitted?J.M. Wils...

...or labor and materials. Maintenance and subcontract bonds available wh...ience and the carrier's appetite. Bid bonds are commonly 5–10% of the bid and payment/performance bonds are often written at 100% of the c...

...orial services, IT contractors, maintenance teams, home healthcare providers, ...

Construction Insurance Allstar Underwriters, a division of Allstar Financial Group, offers a specialized Construction Insurance program designed to help agents place business with a wide range of construction-related risks. As a Managing General Underwriter and Excess & Surplus Lines Broker, Allstar provides flexible underwriting options and responsive service tailored to the needs of contractors and related industries. Our Small Business Solutions division streamlines the quoting and binding process, making it fast and efficient for agents to secure coverage for their clients. Whether your insured is a general contractor, a subcontractor, or operates in associated fields like retail buildouts or tenant improvements, we offer scalable solutions to meet their risk profiles. Ideal Accounts and Appetite This program is well-suited for a variety of construction and real estate-related risks, including: Contractors (general and trade-specific) Habitational properties Office buildings Vacant properties Retail and wholesale spaces Institutional facilities You might have a client who operates a small general contracting firm with occasional use of uninsured subcontractors—this program can offer the flexibility and coverage enhancements to help manage their liability exposures. Coverage Highlights and Advantages Casualty Coverage: Available as monoline or part of a package Minimum premium starting at $500 Primary liability limits up to $5 million per occurrence/$5 million aggregate Project-specific policies available Coverage available for accounts with uninsured subcontractors Optional enhancements, including: Blanket Additional Insured Waiver of Subrogation Primary & Non-Contributory wording Per Project/Per Location Aggregate Limits Hired & Non-Owned Auto (certain classes) Miscellaneous Professional Liability (certain classes) Umbrella Coverage: Limits available up to $5 million Minimum premium starting at $750 Supported or unsupported options Underwriting Notes and Minimum Premiums Allstar works with multiple carriers and can access both admitted and non-admitted markets, depending on the risk and state. Minimum premiums vary by type of coverage and account profile, but start as low as $500 for casualty and $750 for umbrella. Underlying carrier requirements include: Auto or GL carriers rated A-VI or better by AM Best Employers Liability carriers rated B++ or better Standard GL requirements: $1M/$2M/$2M Territories and Availability This program is available in most states, with a strong presence in the Southeast. States currently targeted include: AL, GA, LA, MS, NC, SC, TN, and VA. Why Work With Allstar Financial Group Allstar Financial Group brings deep expertise in construction-related insurance and offers agents a streamlined way to place challenging or niche accounts. With access to multiple carriers and a dedicated underwriting team, Allstar provides responsive service, competitive pricing, and flexible options that help you serve your clients more effectively. Whether you're placing a ground-up construction project, a rehab of a vacant property, or a contractor with complex subcontractor exposures, Allstar is a reliable partner for construction insurance solutions. Frequently Asked Questions What types of construction risks are eligible for this program?The program targets contractors, habitational risks, offices, vacant buildings, retail/wholesale spaces, and institutional properties. Can I place accounts with uninsured subcontractors?Yes, the program accepts certain risks with uninsured subcontractors and offers optional coverage enhancements to address this exposure. Are project-specific policies available?Yes, project-specific general liability policies are available as part of the construction insurance offerings. What is the minimum premium for coverage?Casualty coverage starts at a minimum premium of $500, while umbrella coverage starts at $750. Actual premiums may vary based on the account. Which states is this program available in?The program is available in AL, GA, LA, MS, NC, SC, TN, and VA, with broad access in most other states. Need help placing an account? Connect with a market specialist.

...ty programs, and proper vehicle maintenance records. Underwriters are availabl...

Restaurant Insurance Allstar Financial Group, through its specialized division Allstar Underwriters, offers a Restaurant Insurance Program built for restaurants of all sizes and service models. Designed for independent agents and brokers, the program delivers flexible property, casualty, liquor liability, and umbrella solutions tailored to common restaurant exposures — from small cafés to full-service venues with liquor sales or heavy equipment needs. Our small business solutions platform makes quoting and binding straightforward. We work with multiple excess & surplus (E&S) carriers and provide both supported and unsupported umbrella options. Coverage is available in most Southeastern states and is often offered on a non-admitted basis to maximize market access and capacity. Ideal Accounts and Appetite This program fits a wide range of food service operations, including: Full-service and casual dining restaurants Quick-service and fast-casual concepts Locations with on-premises liquor sales Franchise groups and independent operators You might place a newly opened bistro with liquor service in Georgia or a multi-location café operator in North Carolina — both are typical fits for this program. Coverage Highlights and Advantages Property Coverage: Total Insured Value (TIV) up to $5 million per location Available as monoline or as part of a packaged policy No-coinsurance options where risk characteristics allow Optional enhancements such as equipment breakdown Casualty Coverage: Primary limits up to $5 million per occurrence/aggregate Minimum general liability premiums starting at $500 Project-specific policies and per-location aggregates available Options to cover uninsured subcontractors where needed Available enhancements: Blanket additional insured endorsements Waiver of subrogation Primary and non-contributory wording Per project or per location aggregate structures Hired & Non-Owned Auto (select classes) Miscellaneous professional liability (select classes) Liquor Liability Coverage: Limits available from $100,000/$100,000 up to $1 million/$2 million Can be written monoline or packaged with GL/property Assault and battery coverage follows the general liability form Available in NC, SC, GA, TN, and VA Umbrella Coverage: Limits up to $5 million Minimum premiums from $750 Available on supported and unsupported bases Underlying auto and GL carriers should carry an AM Best rating of A-VI or better Employers liability on umbrella requires a minimum AM Best rating of B++ Underwriting Notes and Minimum Premiums Minimums vary by line and class; general liability often starts at $500 while umbrella typically starts at $750. Underwriting focuses on class code, location, revenue and payroll, liquor exposure, fire and cooking-protection measures, and any prior loss history. Optional endorsements help you meet contract requirements for contractors, landlords, or event venues. Territories and Availability The Restaurant Insurance Program is available in Alabama, Georgia, Louisiana, Mississippi, North Carolina, South Carolina, Tennessee, and Virginia. Most products are placed on a non-admitted basis through multiple E&S carriers to widen appetite and capacity across the region. Why Work With Allstar Financial Group Allstar Financial Group is a Managing General Underwriter (MGU) and Excess & Surplus Lines Broker with deep specialty expertise in restaurant exposures. Agents benefit from market access to multiple carriers, a focus on quick turnaround, and underwriting that understands the operational nuances of food service — from liquor operations to equipment-heavy kitchens and multi-location programs. Our team prioritizes ease of placement and responsive support when accounts have contract or certificate requirements. If you have a restaurant account with unique exposures — liquor liability, significant cooking equipment, or multi-location needs — Allstar can provide flexible, market-driven options backed by experienced underwriting partners. Frequently Asked Questions What types of restaurant accounts are eligible for this program?This program serves a broad spectrum of restaurants, including full-service, fast-casual, quick-service, and establishments with liquor sales. Both franchise and independent operators are considered. Is liquor liability coverage available?Yes. Liquor liability can be written monoline or packaged with other lines in NC, SC, GA, TN, and VA, with limits up to $1 million/$2 million. Can I submit accounts that need both property and GL coverage?Yes. The program supports monoline placements and packaged policies to combine property, general liability, liquor liability, and umbrella as needed. What are the general premium requirements?Minimum premiums vary by line. General liability often begins around $500 and umbrella coverage around $750; final pricing is based on class, location, limits, and loss history. Which states is this program available in?Coverage is available in AL, GA, LA, MS, NC, SC, TN, and VA. Need help placing an account? Connect with a market specialist.

...iability protection. A vacant industrial building awaiting redevelopment tha...

Quote & Issue Commercial General Liability in Your Office 24/7 First Choice Insurance Intermediaries, Inc. offers a streamlined Commercial General Liability (CGL) program built for independent agents who need fast placement for small commercial accounts. Our online platform lets you quote and issue policies in about 20 minutes — anytime, from your office — with access to multiple markets, including admitted options where available. This CGL program focuses on speed-to-market, competitive pricing, and broad coverage for start-ups and small businesses in retail, services, consulting, and contracting sectors. With responsive underwriting and a U.S.-based service center, First Choice makes it easy for agents to bind coverage, deliver documentation, and grow their small commercial book. Ideal Accounts and Target Classes We write more than 200 classes of business. Commonly placed industries include: • Architects and Engineers • Artisan Contractors • Consultants • Creative and Design Professionals • Financial Services • Health and Beauty Providers • Fitness Facilities • Janitorial Services • Landscaping Companies • Legal Professionals • Marketing and PR Firms • Miscellaneous Business Services • Real Estate Professionals • Retail Stores • Technology Firms For a full list of acceptable classes, please refer to our Appetite Guide. You might have a client who runs a small web design agency, a neighborhood landscaping company, or a newly formed consulting practice — these are the types of accounts that typically fit well within our appetite. Coverage Highlights and Key Endorsements Our CGL program provides broad protection for common small-business exposures, including: • Bodily Injury • Property Damage to Third Parties • Personal and Advertising Injury • Electronic Data Liability • Medical Expenses • Defense Costs • Employee and Temporary Staff Actions • Supplemental Payments Valuable endorsements available include: Primary and Noncontributory Endorsement: Ensures the CGL policy responds first without contribution from other carriers. Business Personal Property (BPP) Added to CGL: Extends coverage for business personal property on-premises and provides up to $25,000 for off-premises items such as laptops and tools. Policy Issuance and Servicing Policies are issued and emailed instantly upon binding. Certificates of insurance (COIs) and endorsements are managed by the carrier’s U.S.-based service center. Policies are set to auto-renew, helping you retain clients and ongoing commission without reissuing each year. Territories and Availability Our CGL program is available 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, WI Why Work With First Choice First Choice Insurance Intermediaries is a wholesale broker focused on helping agents place small commercial accounts quickly and confidently. Key strengths include: User-friendly quoting platform that supports fast bind/bill workflows. Access to multiple markets, including some admitted options for eligible risks. Responsive underwriting that understands small-business exposures across many classes. U.S.-based servicing for COIs and endorsements to speed delivery to insureds and certificate holders. Click Here to Get Started Not Appointed with First Choice yet? Complete our Producer Agreement and send it with your W-9, state license, and E&O certificate to [email protected]. For more details, visit http://www.firstchoiceii.com/. Frequently Asked Questions What types of accounts are a good fit for this CGL program?This program targets small commercial businesses across retail, consulting, artisan contracting, IT, health and beauty, and professional services — essentially operations with standard premises, products, or professional exposure that fit the appetite list. How fast can I quote and issue a policy?You can quote and bind most eligible accounts in about 20 minutes using the online platform, 24/7. Is this program available in my state?The program is available in the states listed above. Please review that list to confirm availability for a specific account. What kind of coverage enhancements are available?Common enhancements include Primary and Noncontributory wording and extension of Business Personal Property coverage for on- and off-premises items. Do policies renew automatically?Yes. Policies are set to auto-renew, which helps you retain clients and continue to earn renewal commissions without having to reissue coverage annually. Need help placing an account? Connect with a market specialist.

...nce practices, reserve funding, maintenance programs, claims history, and mana...lved litigation, or major deferred maintenance may require additional underwri...

...t perform installation, repair, maintenance or consulting related to electrica...