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Allstar Underwriters, a division of Allstar Financial Group, offers a comprehensive Product Liability Insurance program designed to help agents and brokers place complex and non-standard risks. Whether your client is a manufacturer, importer, distributor, or startup, we can tailor coverage to meet their unique liability exposures. Ideal Accounts and Appetite We provide flexible solutions for a wide range of businesses involved in the production, distribution, or sale of physical products. Accounts that are a strong fit for our product liability program include: Manufacturers Importers Repackagers Sellers Distributors We are also open to unique and challenging submissions, including: Start-up companies Businesses with prior claims activity Non-renewed or hard-to-place risks Coverage Highlights and Advantages Our program offers Primary and Excess coverage options, with both Claims-Made and Occurrence forms available. Coverage types include: Product Liability Insurance only Product Liability with General Liability Coverage with vendors and product recall expense Excess Product Liability Worldwide coverage options Target industries include Food, Nutraceuticals, Pharmaceuticals, Chemicals, Medical Devices, Automotive Parts, Toys, Sporting Goods, and Raw Materials. Underwriting Flexibility Allstar Underwriters has the ability to handle complex and non-standard risks. We work with multiple carriers across both admitted and non-admitted markets, allowing us to find creative solutions for unusual or distressed accounts. Our underwriting team is experienced in reviewing challenging submissions and can structure terms to meet your client's requirements. Territories and Availability This product liability program is currently available in the following states: Alabama, Florida, Georgia, North Carolina, South Carolina, Tennessee, and Virginia. We offer access to both admitted and non-admitted markets, depending on the risk profile and carrier availability. Why Work With Allstar Financial Group? Allstar Financial Group is a trusted Managing General Agency and Excess & Surplus Lines Broker with deep expertise in specialty and hard-to-place risks. Our Product Liability program is built to serve the needs of agents and brokers seeking flexible, responsive underwriting and access to top carriers. We offer fast turnaround and personalized service to help you win and retain business. Give one of our underwriters a call today for more information. Frequently Asked Questions What types of accounts are a good fit for this program?This program is ideal for manufacturers, importers, distributors, repackagers, and sellers of consumer products—especially in industries like food, medical devices, automotive parts, toys, and chemicals. Can you consider start-ups or businesses with prior claims?Yes, Allstar Underwriters welcomes submissions for start-up businesses, as well as accounts with claims history or non-renewed coverage. What coverage options are available?We offer Primary and Excess Product Liability coverage, with options including standalone liability, general liability bundles, vendor coverage, recall expense, and worldwide protection. Is this program admitted or non-admitted?We work with both admitted and non-admitted markets to meet the specific needs of each account and state jurisdiction. Which states is this program available in?The program is currently offered in Alabama, Florida, Georgia, North Carolina, South Carolina, Tennessee, and Virginia. Need help placing an account? Connect with a market specialist.

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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.

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A Vital Workers Compensation Loss Control and Cost Cutting Tool for Companies Nationwide What Novatae Risk Group's Professional Employer Organization (PEO) Program Does for Your Policyholders Novatae Risk Group offers a PEO program built for agents who need a dependable market to place small- and mid-sized employers that require full-service HR and more competitive workers compensation solutions. This program helps your clients outsource payroll, benefits, compliance, and claims management while improving cash flow and reducing workers comp expense through pay-as-you-go billing and hands-on loss control. Place clients who are struggling with high X-Mods, recent losses, tough class codes, lapses in coverage, or complex multi-state operations. Novatae pairs underwriting expertise with broad carrier access to craft practical, market-ready PEO solutions. Why Agents Use Novatae's PEO Solutions Leveraging a PEO through Novatae gives your clients and your agency clear advantages: No large premium deposits or year-end audits Pay-as-you-go workers compensation tied to actual payroll Administrative relief—HR, payroll, benefits, and compliance handled by the PEO Access to stronger employee benefits packages and payroll tax remittance Dedicated loss control and claims services to manage exposures and control frequency Programs designed for retention and simplified servicing for your agency Program Features and Highlights No premium deposits or audits required; improved cash flow with pay-as-you-go billing Comprehensive HR support including onboarding, ACA compliance, and claims management Payroll services with full tax remittance and reporting Flexible program structures — deductible options, dividend/return-of-premium programs, safety credits Integration options for job costing and accounting software High retention — coverage remains in force until canceled, reducing client turnover Target Markets and Ideal Accounts This PEO program is designed to place risks that are otherwise hard to write in the standard market, including accounts that: Are being non-renewed or canceled due to losses or underwriting restrictions Are in assigned risk pools or coming out of state funds Have elevated X-Mods (1.30–3.0) or recent large losses Have lapsed coverage, no prior, or operate in difficult class codes Operate across multiple states or have complex payroll structures Industries where Novatae is especially competitive include (but are not limited to): Manufacturing Construction (roofing, masonry, excavation) Staffing agencies Property management Janitorial and cleaning services Landscaping and demolition In-home care and assisted living Transportation and warehousing Farming and agricultural operations Swimming pool contractors Residential care facilities Gunite and pool plastering contractors Tailored Solutions and Carrier Access Novatae works with over a dozen carriers — including top-rated AM Best markets — to tailor PEO placements. Available options include deductible and dividend programs, safety credits, and payroll delivery choices (direct deposit, mailed checks, or in-house check writing). Software integrations can streamline job costing and reporting to help clients control loss experience. Underwriting Notes and Submission Requirements To evaluate a risk quickly, include the following: ACORD 130 Three years of loss runs Loss history affidavit if there is a lapse or no prior coverage Explanations for claims over $20,000 Experience Mod sheet Applicable supplemental application for the class of business (View Forms) Minimum premiums vary by carrier and program structure; provide complete submissions to get an accurate indication. Territories and Availability The PEO program is available in most non-monopolistic states. Current availability includes: AL, AK, AZ, AR, CA, CO, CT, DE, FL, GA, ID, IL, IN, IA, KS, KY, LA, ME, MD, MA, MI, MN, MS, MO, MT, NE, NV, NH, NJ, NM, NY, NC, OK, OR, PA, RI, SC, SD, TN, TX, UT, VT, VA, WV, WI. Example Accounts You Might Place A regional roofing contractor with a 1.8 X-Mod and frequent subcontractor payroll who needs payroll tax handling, claims management, and a path off the assigned risk market. An in-home care agency expanding to three states with payroll complexity, ACA reporting needs, and prior lapses in coverage — seeking stable benefits and workers comp administration. Why Work With Novatae Risk Group As a Managing General Underwriter and Excess & Surplus Lines broker, Novatae combines deep underwriting expertise with broad carrier relationships to place hard-to-place workers compensation business. Agents benefit from strong market access, program flexibility, professional loss control and claims support, and streamlined servicing so you can retain clients with less administrative burden. Frequently Asked Questions What types of accounts are a good fit for this PEO program?Accounts with high X-Mods, prior large losses, tough class codes, or those coming out of assigned risk pools are a strong fit. Construction, staffing, janitorial, home healthcare, and transportation accounts are frequently placed. Can this program help clients who have been non-renewed or have a lapse in coverage?Yes. The PEO program accommodates non-renewals and lapses, including businesses with challenging loss histories or underwriting restrictions. What states is this program available in?The program is available in most states nationwide, excluding monopolistic states. See the full list above for current state availability. Are there specific submission requirements?Yes. Provide an ACORD 130, three years of loss runs, an Experience Mod sheet, supplemental applications for the class of business, and claims explanations for large losses. What are the advantages for agents placing business through this program?Agents gain access to markets that can place difficult workers comp accounts, receive competitive commission opportunities, and benefit from high client retention with minimal servicing needs. Need help placing an account? Connect with a market specialist.

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