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Mercantile Insurance Allstar Financial Group, through its Allstar Underwriters division, offers a comprehensive Mercantile Insurance program tailored for small to mid-sized businesses. Designed for independent agents and brokers seeking fast, flexible, and competitive solutions, this program includes Property, Casualty, and Umbrella coverages. With access to multiple carriers and underwriting expertise, Allstar makes it easy to quote and bind coverage quickly through its Small Business Solutions division. Ideal Accounts and Appetite The Mercantile Insurance program is built to accommodate a broad range of commercial risks, including: Retail and Wholesale Operations Contractors and Construction-related Businesses Habitational and Institutional Properties Office Buildings and Professional Services Vacant Properties Whether your client is a general contractor, a retail shop owner, or manages a vacant commercial property, this program offers solutions that meet a wide range of needs and exposures. Coverage Highlights and Advantages Property Coverage Total Insured Value (TIV) up to $5 million per location Available as monoline or packaged policies No coinsurance options (subject to risk type) Optional enhancements, including equipment breakdown Casualty Coverage Monoline or packaged options Minimum premium starting at $500 Primary limits up to $5 million / $5 million Project-specific policies available Coverage for uninsured subcontractors Optional endorsements such as: Blanket Additional Insured Waiver of Subrogation Primary Non-Contributory Per Project / Per Location Aggregate Hired & Non-Owned Auto (select classes) Miscellaneous Professional Liability (select classes) Umbrella Coverage Limits available up to $5 million Minimum premium from $750 Supported and unsupported options Underlying requirements include carriers rated A-VI or better (Auto/GL) and B++ or better (Employers Liability) GL limits must meet $1 million / $2 million / $2 million minimums Underwriting Notes and Minimum Premiums Minimum premiums vary by line of coverage and risk type, starting at $500 for Casualty and $750 for Umbrella coverage. Allstar Underwriters is experienced in handling a wide range of mercantile risks and offers flexible underwriting and optional enhancements to tailor coverage. Monoline or package policies are available depending on your client's needs. Territories and Availability This program is available in most states, with a strong focus on the Southeastern U.S., including Alabama, Georgia, Louisiana, Mississippi, North Carolina, South Carolina, Tennessee, and Virginia. Admitted and non-admitted options are available depending on the state and class of business. Why Work With Allstar Financial Group? Allstar Financial Group is a Managing General Underwriter and E&S Broker with a reputation for responsive service and underwriting expertise. Their Mercantile Insurance program is backed by multiple carriers and designed to streamline the placement process for agents and brokers. With quick turnaround times and flexible options, Allstar makes it easier to serve your small business clients across a wide range of industries. You might have a retail client needing a quick package quote including property and liability, or a contractor requiring project-specific liability with optional umbrella limits — Allstar has the tools and market access to help you place that business efficiently. Frequently Asked Questions What types of accounts are a good fit for this program?This program is ideal for contractors, retail and wholesale businesses, habitational properties, office buildings, institutional risks, and vacant properties. Can I write monoline coverage or must it be packaged?You can write either monoline or package policies depending on the client's needs and the line of business. What is the minimum premium for Casualty and Umbrella coverage?Casualty coverage starts at $500 minimum premium, while Umbrella coverage starts at $750. Actual premiums may vary based on the specific risk. Which states is this program available in?This program is available in most states, with a primary focus on AL, GA, LA, MS, NC, SC, TN, and VA. Are enhancements like Additional Insured and Waiver of Subrogation available?Yes, optional enhancements such as Blanket Additional Insured, Waiver of Subrogation, and others are available for qualifying classes. Need help placing an account? Connect with a market specialist.

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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.