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...ance bonds (public and private construction) License, permit, and regulatory bonds Fidelity bonds (employee dishonesty) Court, probate, and fiduciary bonds Public official and miscellaneous...business information. How quickly can bonds be quoted or issued?Turnaround varies by bond type and complexity. Our team works...

Thank you for contacting Allstar Financial Group regarding Habitational Property Insurance Risks. As a Managing General Agency and Excess & Surplus lines broker representing multiple national carriers, Allstar provides agents with admitted-package options when available and broad E&S capacity for challenging habitational risks. Overview — Habitational Property Insurance Risks from Allstar Financial Group Allstar places habitational property programs that combine property, general liability, automobile liability and workers' compensation — either as admitted packages (where available) or as custom E&S placements. We also offer stand-alone General Liability, Property, and Professional Liability policies. Our underwriting team focuses on timely, creative market options for accounts that need capacity outside the standard admitted marketplace. Ideal Accounts and Target Classes TARGET CLASSES: Apartments, Condominiums (including owner-occupied with rental), Hotels & Motels, Dwelling Fire We will also consider habitational risks with: - Low occupancy - Multiple occupants - Vacant property (multiple years vacant acceptable) - Extended-stay and similar exposures Coverage Highlights and Advantages - Broad placement options: admitted packages where available and robust E&S appetite for higher-risk or non-standard habitational properties. - Stand-alone and package flexibility: separate General Liability quotes are available when needed. - Coastal capacity available for eligible accounts. Underwriting Notes and Minimum Premiums Forms: ACORD and program supplementals are required on submission. Underwriting is driven by property condition, occupancy, protection measures, and loss history. Minimum premium levels vary by carrier and state—please contact an Allstar underwriter for specific minimums and program eligibility. Territories and Availability Available through Allstar Financial Group in: AL, GA, NC, SC, TN, and VA. Many placements are written non-admitted / E&S depending on carrier appetite and state regulations; admitted options may be available in select circumstances. Why Work With Allstar Financial Group on Habitational Risks Allstar combines wholesale distribution experience with direct carrier relationships to place habitational accounts that are difficult to place in standard markets. Our underwriters provide quick turnaround on submissions, flexible structuring, and access to multiple carriers so you can compare options and secure capacity for your clients. Example accounts that fit this program - A mid-size apartment complex with a recent roofing update but a marginal loss history where standard admitted markets declined — E&S placement with tailored liability limits and property coverage. - A small extended-stay hotel with mixed occupancy and historical vacancy for some units — separate GL and property options can be quoted to match exposure. Contact one of our experienced underwriters at Allstar Financial Group about your habitational property insurance needs today. Forms: ACORD/Supplementals Separate quotes for General Liability coverage available Coastal Capacity Available Frequently Asked Questions What types of habitational accounts does Allstar want?Allstar targets apartments, condominiums (including rental exposures), hotels & motels, and dwelling fire risks. We also consider accounts with low occupancy, multiple occupants, extended-stay exposures, and properties that have been vacant for multiple years. Are vacant properties eligible?Yes. Vacant properties can be considered and, in many cases, multiple years vacant is acceptable. Eligibility and terms depend on property condition, loss history, and the carrier’s appetite. What submission materials do you require?Provide ACORD applications and any program supplementals, current loss runs, occupancy details, protection class, and photos or inspection reports where available. Additional carrier-specific items may be requested during underwriting. Which states and placement types are supported?Allstar places habitational business in AL, GA, NC, SC, TN, and VA. Many placements are handled on a non-admitted / E&S basis, with admitted options possible depending on carrier and state. Need help placing an account? Connect with a market specialist.

...esigners Civil, structural, mechanical, electrical, environmental and hydr...rgets architects, civil/structural/mechanical/electrical/environmental enginee...

...ects Civil, structural, mechanical, electrical and HVAC engineers Construction managers and design/build firms ..., civil and structural engineers, construction managers, design/build firms, a...

J.M. Wilson Corp. offers a flexible, competitive market for agents and brokers placing Commercial Garage Liability Insurance. As a Managing General Agency and Excess & Surplus Lines broker, we represent a mix of admitted and non-admitted carriers to deliver tailored solutions across multiple states. Our program is designed to help you secure appropriate liability and physical damage protection for a wide range of garage-related operations—from small repair shops to specialty restorers and mobile service providers. Ideal Accounts and Appetite This program writes a broad cross-section of garage classes. Typical accounts we place include: Auto repair shops, lube and oil change centers Classic and antique vehicle dealers and restorers Tow truck operations (non-fleet) Motorcycle, RV, and snowmobile repair and service Valet services, car washes, and roadside assistance providers Mobile mechanics and detailing operations You might have a client who runs a rural truck stop with a repair bay and towing service — this program can provide comprehensive garage liability and related coverages. Another good fit would be a classic car restorer who needs dealers/non-reporting physical damage and garage keepers protection for customers’ vehicles. Coverage Highlights and Advantages J.M. Wilson’s Commercial Garage Liability Insurance includes core coverages agents commonly need to manage garage exposures: Garage Liability to cover premises and operations exposures Garage Keepers coverage with in-transit schedules Auto Physical Damage for scheduled service units Dealers Physical Damage — non-reporting options Medical Payments and Fire Legal Liability Garage Property with package enhancements For full details on available package enhancements and limits of liability, please see the links provided below in the program description. Underwriting Notes We work with multiple carriers and will match submissions to the market best suited to the account’s operations and loss history. Typical underwriting considerations include operations performed on site, mileage and use of tow/service vehicles, claims history, employee training and certifications, and physical security of premises. Certain specialized classes — for example, bus conversions or hydraulic repairs — may require additional documentation, verifiable loss history, or proof of certifications. Available States This program is available in: GA, IL, IN, KS, KY, MI, MO, NC, OH, SC, TN, and WI. Why Work With J.M. Wilson? As an established MGA and E&S broker, J.M. Wilson gives independent agents and brokers access to markets that can write challenging garage risks. Our strengths include: Market access to both admitted and non-admitted carriers for flexible placement options Responsive underwriting and placement assistance to help you win business Resources and guidance specific to garage operations, including FAQs, videos, and agent tools linked below Use the links in this page to learn more about our garage program and related resources: package enhancements and limits of liability, our agent guidance page, and an FAQ video to assist placement. Frequently Asked Questions What types of accounts are a good fit for this program?Ideal accounts include auto repair shops, mobile mechanics, towing services (non-fleet), motorcycle and RV service businesses, classic car restorers, and valet or car wash operations. In which states is this program available?The program is available in GA, IL, IN, KS, KY, MI, MO, NC, OH, SC, TN, and WI. Do you offer both admitted and non-admitted options?Yes. We represent a variety of carriers—both admitted and non-admitted—so we can tailor placements to the account’s appetite and regulatory needs. Can I submit unusual operations such as bus conversions or hydraulic repair?Yes, those classes can be considered but typically require additional underwriting documentation, proof of certifications, and verifiable loss history. Where can I find more details on coverages and limits?See the package enhancements and limits link provided above for full details; contact a market specialist to review specific limits and endorsements for your submission. Need help placing an account? Connect with a market specialist.

...nded for public street or road construction, mining operations, installation o...usions include public street/road construction, mining, tunnel or dam construction, landfills, underground tank in...

...esidential and light-commercial mechanical contractors. The program combines s...azard refrigerant work, or complex mechanical system design may require supple...

...or trades and finish carpentry, mechanical and electrical work performed insid...e, and scope descriptions for new construction or remodel projects. Territor...