https://completemarkets.com/company/allstar/Artisan-Contractors-Insurance/
Artisan Contractors Insurance
Allstar Financial Group’s Artisan Contractors Insurance program, offered through Allstar Underwriters, is designed for independent agents and brokers seeking comprehensive and flexible coverage options for small to mid-sized artisan contractor clients. With access to multiple carriers and tailored underwriting expertise, we make it seamless to quote, bind, and service policies across a broad range of trades and project types.
Ideal Accounts and Appetite
Our program is an excellent fit for general and specialty artisan contractors involved in residential, commercial, or mixed-use projects. We welcome accounts such as:
Electrical, plumbing, and HVAC contractors
Carpenters, drywall installers, and painters
Masonry, roofing, and flooring professionals
Remodelers and small general contractors
We also consider risks related to habitational, office, retail, institutional, wholesale, and vacant property exposures.
Uninsured subcontractors can be considered, and policies can be tailored for project-specific needs. This program is designed for agents with clients who need a responsive market for both straightforward and more nuanced construction risks.
Coverage Highlights and Advantages
Casualty Coverage:
Available as monoline or package policies
Minimum premiums starting at $500
Primary limits available up to $5M/$5M
Project-specific policies available
Optional coverage enhancements including:
Blanket Additional Insured
Waiver of Subrogation
Primary and Non-Contributory wording
Per Project/Per Location Aggregates
Hired & Non-Owned Auto (select classes)
Misc. Professional Liability (select classes)
Umbrella Coverage:
Limits up to $5 million
Minimum premiums starting at $750
Available on a supported or unsupported basis
Umbrella policies require underlying carriers with AM Best ratings of A-VI or better for Auto/GL and B++ or better for Employers Liability. GL limits of $1M/$2M/$2M are required.
Underwriting Highlights and Minimum Premiums
Our underwriting team focuses on responsiveness and flexibility. Minimum premiums vary by class and coverage, starting at $500 for casualty and $750 for umbrella. We work with agents to find the right structure for each account, whether it’s a standalone policy or a complete package.
Example: You might have a contractor client specializing in residential remodeling who uses a few uninsured subcontractors. Our program can accommodate this setup while offering the coverage enhancements needed to satisfy project owner requirements.
Territories and Market Availability
This program is available in most states, with a focus on AL, GA, LA, MS, NC, SC, TN, and VA. We operate on a non-admitted basis, giving us the flexibility to tailor solutions outside the standard market.
Why Work With Allstar Financial Group?
Allstar Financial Group is a trusted Managing General Underwriter and E&S Broker with deep experience in contractor risk placement. Our small business solutions division is built to support independent agents with fast quoting, knowledgeable underwriters, and access to multiple quality carriers. Whether you're working on a single artisan policy or a bundled package for a growing contractor, we streamline the process and help you deliver value to your clients.
Frequently Asked Questions
What types of accounts are a good fit for this program?This program is ideal for small to mid-sized artisan contractors, including electricians, plumbers, HVAC techs, painters, roofers, and general remodelers.
Can the program accommodate uninsured subcontractors?Yes, accounts with uninsured subcontractors can be considered based on underwriting review.
Is this coverage available on an admitted basis?No, most coverage is placed on a non-admitted basis to provide greater flexibility in terms and structure.
In which states is this program available?The program is available in most states, with a core focus on AL, GA, LA, MS, NC, SC, TN, and VA.
Are project-specific policies available?Yes, we offer project-specific policies and can tailor coverage to meet the needs of individual jobs or contracts.
Need help placing an account? Connect with a market specialist.
https://completemarkets.com/company/firstchoiceii/Commercial-Property-Insurance/
Overview — First Choice Insurance Intermediaries, Inc. Commercial Property Insurance
First Choice Insurance Intermediaries, Inc. offers Commercial Property Insurance designed for independent agents and brokers who need reliable placement options for business property exposures. This program compensates a business when property used in operations is lost or damaged by common perils such as fire, theft, wind, or vandalism. Coverage applies to buildings and structures as well as “personal property” — office furnishings, inventory, raw materials, machinery, computers and other items critical to a business’s operations.
Coverage highlights and advantages
Commercial package capability: Available forms can include property, general liability, crime and business interruption. Endorsements are available to tailor the package to specific classes (for example, restaurants or florists).
Broad property coverage: Building, business personal property, tenant improvements and betterments, and stock/inventory options where appropriate.
Business interruption: Time-element coverage to protect income and help policyholders recover after a covered loss.
Premium financing: Premium Financing Available.
Deductible options: $500, $1,000 and up, depending on the carrier and account.
Wholesale placement: First Choice acts as a wholesale broker, providing access to admitted and non-admitted markets appropriate to the risk.
Ideal accounts and target classes
This Commercial Property program is a strong fit for small- to mid-sized brick-and-mortar and light-industrial risks. Target classes include:
Apartment: Owners of buildings used exclusively as apartment houses, including cooperatives.
Building: Lessors of commercial buildings occupied by offices, mercantile and retail tenants.
Business: Personal consumer services, light repair shops and printing businesses.
Condominium: Owners of buildings used exclusively as condominiums.
Contractors: Residential and specialty trade contractors (light exposure).
Garage: Independently operated or franchised automotive service and repair businesses.
Manufacturers: Small manufacturers of food products, leather, metal, paper, plastic, rubber, textiles and wood products.
Professional Office: Medical, legal, financial and other professional service firms.
Religious: Churches and houses of worship (excluding large affiliated educational institutions).
Restaurant: Franchise, family and higher-end eateries (subject to cooking/hood suppression underwriting).
Store: Brick-and-mortar retail operations.
Technology / Technology Office: Manufacturers of electronics and firms providing computer and technology services.
Wholesalers: Distributors of durable and non-durable goods.
Underwriting notes and typical restrictions
Preferred accounts are small to mid-sized businesses with straightforward property exposures and up-to-date loss control.
Accounts with significant high-hazard operations, extensive flammable processing, severe code violations, or long-term vacant buildings may be declined or require placement in specialized markets.
Cooking exposures (restaurants) and automotive operations (garages) will be underwritten for suppression systems, distance to exposures, and prior losses.
Carriers in the program may impose minimum premiums, occupancy-specific endorsements, or higher deductibles for certain classes — confirm requirements at submission.
Territories and admitted status
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. Admitted paper is available in some states; First Choice can also access non-admitted markets where necessary. Coverage availability and form depend on the carrier selected and state regulations.
Why place this business with First Choice Insurance Intermediaries, Inc.
As a wholesale broker, First Choice provides direct access to multiple markets and negotiates program forms and endorsements tailored to common small commercial risks.
Underwriters focus on practical, class-specific solutions rather than one-size-fits-all forms, which helps place accounts that might otherwise be difficult at retail.
Support for premium financing and package placements simplifies transactions for your insureds.
Responsive underwriting and flexibility on endorsements for restaurants, technology firms, small manufacturing and retail make this a good fit for agents seeking competitive terms for typical commercial property risks.
Example account scenarios
You have a two-story retail building with occupied storefronts and a small stockroom — this program can combine building and business personal property limits with business interruption coverage.
A local family-run restaurant with a hood suppression system and a solid loss history — the program can offer package property and liability options with restaurant endorsements.
Frequently Asked Questions
What types of accounts are a good fit for this Commercial Property program?Small- to mid-sized brick-and-mortar retailers, offices, restaurants, light manufacturers, wholesalers, garages and professional offices are ideal. The program targets straightforward property risks that benefit from a commercial package.
Which states and paper types are available?The program is available 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. Admitted paper is available in some states; non-admitted placement is used where needed.
Are premium financing and endorsements supported?Yes. Premium financing is available and a variety of class-specific endorsements can be added to tailor coverage for restaurants, contractors, technology firms and other targeted classes.
What information should I include with a submission?Provide a current ACORD application, recent loss runs (5 years preferred), building and business personal property values, occupancy details, protection class or sprinkler info, and any risk control documentation (e.g., hood suppression inspection for restaurants).
Need help placing an account? Connect with a market specialist.