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Package/Liquor Store Insurance Allstar Financial Group, a Managing General Underwriter and Excess & Surplus Lines broker, offers a focused insurance program for package and liquor store operations. Through our Small Business Solutions division, we provide a streamlined quoting and binding process so agents and brokers can move quickly on behalf of their clients. Whether the account is a single neighborhood liquor shop or a multi-location retail operator, this program addresses the primary exposures across property, casualty, liquor liability, and umbrella coverages. Ideal Accounts and Appetite This program is designed for a range of retailers in the packaged goods and beverage space. It is especially well-suited for: Independent liquor and package stores Package stores with refrigeration or cold-storage units Retail locations selling beer, wine, and spirits Multi-location operators (TIV up to $5M per location) We also consider related retail and wholesale risks and select classes in contractors, habitational, offices, institutional, and vacant properties depending on the coverage line. Coverage Highlights and Advantages Property Coverage Total Insured Value (TIV) up to $5 million per location Available as monoline or packaged policy No-coinsurance options where applicable Optional enhancements, including equipment breakdown coverage Casualty Coverage Available as monoline or as part of a package Minimum premiums starting at $500 (varies by risk) Primary general liability limits up to $5M / $5M Project-specific or location-specific forms available Options for coverage addressing uninsured subcontractors Available enhancements include: Blanket Additional Insured Waiver of Subrogation Primary & Non-Contributory wording Per Project / Location Aggregate Hired & Non-Owned Auto (class-specific) Miscellaneous Professional Liability (class-specific) Liquor Liability Limits from $100K/$100K up to $1M/$2M Assault & Battery coverage follows General Liability terms Liquor liability available in NC, SC, GA, TN, and VA Umbrella Coverage Limits up to $5 million Minimum premiums start at $750 (varies by risk) Available on a supported or unsupported basis Underlying carrier requirements: AM Best A-VI or better for GL/Auto; B++ or better for Employers Liability Underwriting Notes and Minimum Premiums Minimum premiums vary by coverage line; General Liability and Umbrella minimums begin at the levels noted above but are evaluated per risk. Allstar reviews each submission individually and can offer monoline or package solutions with optional enhancements to tailor coverage to a client’s operations and exposures. Territories and Availability This program is available in most states, with strong placement capabilities in AL, GA, LA, MS, NC, SC, TN, and VA. Liquor liability is currently offered in NC, SC, GA, TN, and VA. Most coverages are placed non-admitted through a panel of markets. Why Work With Allstar Financial Group? Allstar brings deep expertise in small business and specialty retail risks. Our underwriters understand the unique exposures liquor and package stores face—managing liquor liability, protecting high-value inventory, and ensuring appropriate umbrella limits. Agents benefit from competitive pricing, flexible forms, and quick turnaround through our Small Business Solutions workflow. You might have a client who just opened a liquor store in Georgia and needs bundled property, general liability, and liquor liability coverage—or a long-standing multi-location retailer seeking improved limits and broader umbrella protection. Allstar is set up to help you place those accounts efficiently. Frequently Asked Questions What types of accounts are a good fit for this program?This program is ideal for package and liquor stores, including single-location retailers and multi-location operators. Related retail and wholesale risks may also qualify depending on the coverage line. Is liquor liability available in all states?No. Liquor liability coverage is currently offered in NC, SC, GA, TN, and VA. Can I write monoline coverage, or does it have to be a package?You can place monoline or package policies. Allstar offers flexibility across property, casualty, and liquor liability lines to meet client needs. What is the minimum premium for this program?Minimum premiums vary by coverage type. General Liability minimums start around $500 and Umbrella minimums start around $750; however, final minimums depend on the specific risk and coverages selected. How quickly can I get a quote and bind coverage?Allstar Financial Group’s Small Business Solutions division is designed for fast turnarounds. Most submissions can be quoted and bound quickly once complete underwriting information is submitted. Need help placing an account? Connect with a market specialist.

At Bailey Special Risks, Inc., our Commercial Package program helps agents and place and bind coverage for niche and hard-to-place commercial risks. As a wholesale broker with deep market access and underwriting expertise, we provide tailored package policies that combine property and general liability coverages into a single product. With binding capacity through United States Liability Insurance Group and other top-tier markets, we deliver responsive underwriting when you submit a complete application package. Ideal Accounts and Appetite This Commercial Package is designed for small-to-medium-sized businesses that need flexible underwriting or non-admitted solutions. We focus on classes that often fall outside standard admitted markets, including: Apartments Bars & Taverns Dance, Language, & Music Schools Day Care Centers Exercise & Fitness Centers Vacant Buildings Premises Preferred * *For Premises Preferred submissions, include a fully completed ACORD application plus any site photos, inspection reports or supporting documents to ensure timely review. Coverage Highlights and Advantages Our Commercial Package combines property and general liability into a streamlined policy tailored to the operational exposures of each account. We underwrite with flexibility to add optional coverages appropriate to the class of business—such as liquor liability for bars, abuse/molestation options for schools and daycares where available, or specific coverage for vacant or tenant-occupied buildings. Key advantages: Combined property and general liability in one packaged policy Optional endorsements and limits selected to fit the operation Competitive terms for well-documented, well-underwritten risks Fast response when you provide a complete submission Underwriting Notes and Submission Requirements To speed placement, submit a fully completed ACORD application and any class-specific supplements. High-hazard operations (e.g., bars, vacant buildings, or facilities with youth programs) usually require additional details such as loss runs, security and supervision protocols, inspection reports, and, when applicable, proof of alcohol service training or background checks. Underwriters evaluate each risk on its merits, emphasizing operations, building condition, prior loss history, and mitigation efforts. Clear, complete submissions improve turnaround and quoting accuracy. Territories and Availability This program is available on a non-admitted basis in the following states: AL, AZ, AR, CA, CO, CT, DE, FL, GA, ID, IL, IN, IA, KS, KY, MD, MA, MI, MS, MO, NV, NJ, NY, NC, OH, OK, OR, PA, RI, SC, TN, TX, UT, VA, WA, WV, WI, WY. Contact us about state-specific eligibility or restrictions. Why Work With Bailey Special Risks Bailey Special Risks is a wholesale broker with a reputation for responsiveness and niche underwriting expertise. We leverage long-standing relationships with carriers such as United States Liability Insurance Group to place accounts that need flexible, non-admitted solutions. Our team provides practical underwriting guidance, clear submission checklists, and efficient placement to help you keep business moving. Example scenarios that fit this program: You have a multi-unit apartment owner with recent cosmetic property damage and moderate loss history who needs combined property and GL limits with flexible terms. A client operates a neighborhood fitness studio that serves youth classes and requires tailored liability limits and participant-waiver endorsements. Frequently Asked Questions What types of accounts are a good fit for this Commercial Package program?We target small-to-medium-sized businesses in classes such as apartments, bars and taverns, daycare centers, fitness facilities, and vacant buildings—accounts that often require flexible underwriting and non-admitted solutions. What documents are needed to submit a risk?Provide a completed ACORD application and any supplemental forms for the class (e.g., liquor schedules, daycare supplements, vacant property inspections). Include loss runs and any supporting documents that show mitigation or controls for higher-hazard exposures. Is this program available in all states?No. The program is available on a non-admitted basis in the states listed above. Contact us for clarification on state-specific eligibility. Is this an admitted program?No. This Commercial Package is offered on a non-admitted basis through United States Liability Insurance Group and other carriers. How quickly can I expect a quote?When you submit a complete application with required supplements and loss runs, our team typically responds within a few business days. Complex or high-hazard accounts may require additional review time. Need help placing an account? Connect with a market specialist.

Offices Insurance Allstar Financial Group’s Offices Insurance program through Allstar Underwriters is designed to help independent agents place property and casualty coverage for office-occupancy small businesses quickly and efficiently. Our underwriting team focuses on straightforward underwriting, flexible package or monoline options, and optional enhancements that make it easier to tailor terms for typical office risks and related occupancies. Use this program when you need an experienced MGA/E&S broker that can handle moderate-value office locations, package property and liability together, or place project-specific casualty limits with common contract endorsements. Ideal accounts and appetite Small to mid-size office buildings, professional suites, and multi-tenant office locations Related occupancies within the same risk profile: light retail, wholesale/showroom, institutional support spaces, and certain contractor or habitational adjuncts Accounts that require flexible limit structures, per-project or per-location aggregates, or common contractual coverages such as additional insured and waiver of subrogation Not typically intended for high-hazard manufacturing, heavy exposures, or large vacant-adapted redevelopment projects without prior approval Coverage highlights and advantages Property: Total Insurable Value (TIV) up to $5 million per location Monoline or packaged property/GL placements No coinsurance options available (subject to risk type) Optional property enhancements, including equipment breakdown Casualty: Primary limits up to $5M/$5M with minimum premiums starting around $500 and project-specific policy options Casualty optional endorsements: blanket additional insured, waiver of subrogation, primary/non-contributory wording, per-project/per-location aggregates, hired & non-owned auto (certain classes), and miscellaneous professional liability (certain classes) Umbrella: Limits up to $5 million; supported or unsupported umbrellas available with minimum premiums beginning near $750 Underwriting notes Allstar Underwriters works with multiple carrier partners and can place admitted or E&S paper depending on state and risk particulars. Typical underwriting considerations include occupancy details, tenant mix, property condition, loss history, and contract requirements. Common underwriting prerequisites include: AM Best-rated carriers for underlying limits (A-VI or better for auto/GL; B++ or better for employers liability where applicable) Typical GL underlying limits of $1M/$2M/$2M unless alternate structures are requested Minimum premiums can vary by product and state—refer to program guidelines for account-specific pricing Territories and availability This program is available through Allstar Financial Group in AL, GA, LA, MS, NC, SC, TN, and VA. Coverage form availability (admitted vs. non-admitted) may vary by state and carrier — please confirm state eligibility when submitting. Example accounts that fit well A local property management client with several 10,000–30,000 sq ft multi-tenant office locations seeking a package policy with equipment breakdown and per-location property limits. A regional contractor needing project-specific primary liability coverage for office build-outs where contract endorsements (additional insured, waiver of subrogation, and primary/non-contributory wording) are required. Why work with Allstar Financial Group on Offices Insurance Allstar combines dedicated small-business underwriting with the placement flexibility of an MGA and E&S broker. That means faster responses on mid-market office risks, tailored endorsements for contract-driven accounts, and access to multiple carrier platforms for admitted or non-admitted placements. Our Small Business Solutions underwriters are available to review submissions, suggest appropriate enhancements, and help structure limits to match your client’s contractual and operational needs. Ready to submit? Prepare loss runs, tenant/occupancy information, building values, and any contract wording requests to accelerate review. For complex or higher-value accounts, include photos and a description of risk mitigation measures (sprinklers, alarms, security) to improve placement options. Frequently Asked Questions What types of office accounts are a good fit for this program?Small to mid-size office buildings and multi-tenant professional suites with TIV up to $5M per location, plus related light retail, wholesale, and institutional occupancies. The program also supports contractor-related office build-outs and project-specific casualty placements. Can I get both property and liability in a single package?Yes. The program offers monoline or packaged property and casualty solutions. Package options are helpful when you want coordinated limits and endorsements across property and liability lines. Which endorsements and contractual coverages are available?Common optional enhancements include blanket additional insured, waiver of subrogation, primary/non-contributory wording, per-project/per-location aggregates, and hired & non-owned auto or miscellaneous professional liability for certain classes. What are the minimum premiums and limits I should expect?Minimum premiums vary by product and state. As a guideline from the program: casualty minimums start around $500 and umbrella minimums start around $750; property and umbrella limits are available up to $5M. Submit specifics for an accurate premium indication. Need help placing an account? Connect with a market specialist.

Grocery Store Insurance Allstar Financial Group’s Grocery Store Insurance program is built for the underwriting challenges of retail food operations. Through our Small Business Solutions division, agents and brokers can quickly quote and bind coverage for a wide range of grocery risks. With access to multiple carriers and flexible excess & surplus and admitted options, Allstar provides market access and underwriting flexibility to help you place grocery-related accounts with confidence. The program is available in AL, GA, LA, MS, NC, SC, TN, and VA. Standard coverage components include Property, General Liability, Liquor Liability (select states), and Umbrella policies. Whether your client operates a neighborhood market, a specialty importer with a retail outlet, or a small chain with deli and bakery operations, this program offers customizable solutions to protect inventory, equipment, premises exposures, and liability risks. Ideal Accounts and Appetite We seek grocery store risks of varying sizes, including: Independent and neighborhood grocery stores Ethnic and specialty food markets Corner stores and small-format grocers Retailers with limited or full-service delis, bakeries, or meat counters Locations with incidental liquor sales (in approved states) Our appetite also extends to related retail operations such as convenience stores and wholesale-retail hybrids, provided they meet standard risk profile criteria and loss history expectations. Coverage Highlights and Advantages Property Coverage: Total Insured Values (TIV) up to $5 million per location Monoline or package options No coinsurance options available on eligible risks Optional enhancements including Equipment Breakdown Casualty Coverage: Primary limits up to $5 million per occurrence Monoline or packaged casualty options Minimum premiums starting at $500 (varies by class) Optional endorsements such as Blanket Additional Insured and Waiver of Subrogation Liquor Liability (select states only): Limits from $100K/$100K to $1M/$2M Assault and Battery coverage follows GL Available in NC, SC, GA, TN, and VA Umbrella Coverage: Limits up to $5 million Minimum premiums starting at $750 Supported and unsupported umbrella options Underlyers meet AM Best rating requirements Underwriting Notes and Minimum Premiums Allstar reviews submissions with focus on location, operations, safety controls, and prior loss history. Minimum premiums vary by class and coverage type; casualty premiums can start around $500 and umbrella premiums around $750. Project-specific policies and endorsements are available to tailor coverage for deli operations, refrigeration equipment, and liquor exposures. Territories and Availability This program is primarily available in AL, GA, LA, MS, NC, SC, TN, and VA. Liquor liability is offered in NC, SC, GA, TN, and VA. Coverage is placed through multiple admitted and non-admitted carriers, giving agents flexibility to secure capacity for harder-to-place risks. Why Work With Allstar Financial Group? As a Managing General Underwriter and Excess & Surplus Lines Broker, Allstar Financial Group combines specialty underwriting expertise with broad market access. Our Small Business Solutions team is designed to make quoting and binding efficient for retail food risks, especially those with mixed operations (deli, bakery, limited alcohol sales) or unique value exposures. Working with Allstar gives you tailored underwriting, flexible program structure, and solutions for accounts that need E&S placement or enhanced endorsements. You might have a client who runs a family-owned grocery with a deli in North Carolina — Allstar can package property, liability, and liquor coverage to address inventory, food handling, and alcohol exposures. Or you could be placing a specialty importer in Georgia with a retail storefront and wholesale activity; our appetite includes wholesale-retail hybrids when operations and controls meet underwriting criteria. Frequently Asked Questions What types of accounts are a good fit for this program?Independent grocery stores, ethnic and specialty markets, corner stores, and retail food operations with deli or bakery components are all within our target appetite. Is liquor liability coverage available through this program?Yes. Liquor liability is offered in NC, SC, GA, TN, and VA with limits up to $1M/$2M, and Assault and Battery coverage follows the GL where provided. Can I submit monoline coverage or must it be a package?You can submit either monoline or package policies depending on the client’s needs and the risk profile. What is the minimum premium for this program?Minimums vary by line and class. Casualty minimums can start around $500 and umbrella minimums around $750, subject to underwriting and state availability. How quickly can I quote and bind coverage?Our Small Business Solutions division is structured for quick turnaround so agents can efficiently quote and bind most eligible grocery accounts. Need help placing an account? Connect with a market specialist.

Dwelling Insurance Overview — Allstar Financial Group Dwelling Insurance Program Allstar Underwriters (Allstar Financial Group) offers a flexible Dwelling Insurance program for property owners and contractors through its small business solutions division. The program supports property, casualty and umbrella placements — available monoline or as package business — and is designed to simplify quoting and binding for independent agents and brokers. Allstar underwriters provide hands-on underwriting for mid-sized dwellings and commercial-occupancy risks, with optional enhancements and project-specific casualty solutions. Ideal accounts and appetite This program fits a range of owner-occupied and commercial-style dwelling risks. Typical target classes include: Contractors and construction-related operations (including project-specific policies) Habitational properties and small multi-family buildings Office and small retail occupancies Wholesale operations and light industrial/ institutional occupancies Vacant or transitional properties (risk-by-risk underwriting) Accounts with Total Insurable Value (TIV) up to $5 million per location are considered. Risks with complex professional exposures, heavy pollution, or unusual habitational liabilities may require referral — ask an underwriter when in doubt. Coverage highlights and advantages Property: TIV up to $5M per location; monoline or packaged solutions; no-coinsurance options where available; optional endorsements and equipment breakdown coverage. Casualty: Monoline or package; primary limits up to $5M/5M; available project-specific wording; coverage for uninsured subcontractors and a range of endorsements (blanket additional insured, waiver of subrogation, primary/non-contributory wording, per-project/per-location aggregate, hired & non-owned auto in qualifying classes, miscellaneous professional liability endorsements where appropriate). Umbrella: Limits up to $5M; supported or unsupported umbrella structures. Underwriting notes and minimums Minimum premium expectations vary by line: casualty minimums start around $500; umbrella minimums start around $750. Final minimums depend on class, limits and territory. Underlying insurer requirements include AM Best ratings (A-VI or better for auto/GL; B++ or better for Employers Liability). Typical minimum GL structure is $1M/$2M/$2M unless otherwise required. No coinsurance options may be available depending on risk type; equipment breakdown and other enhancements are offered on a case-by-case basis. Territories and admitted status Program availability: Most Available States. This storefront highlights availability in AL, GA, LA, MS, NC, SC, TN and VA. Allstar operates as a Managing General Underwriter and an Excess & Surplus lines broker, so placement options include admitted or non-admitted markets depending on state rules and risk characteristics. Why place this business with Allstar Financial Group Specialized underwriting for small business and dwelling risks — quicker turnaround for quotes and binds compared with broader-market submissions. Flexibility to write monoline or packaged coverages and to add project-specific casualty terms when needed. Access to multiple carrier relationships and the ability to place umbrella limits up to $5M supported or unsupported. Underwriter-access model: you can call to discuss unique risks, endorsements, or unusual exposures to find tailored coverage solutions. Example scenarios An independent agent has a contractor client building a small multi-unit dwelling who needs a project-specific general liability policy with per-project aggregate and blanket additional insured — Allstar can quote project wording and higher primary limits. A broker needs coverage for a small habitational building with a TIV under $5M and wants equipment breakdown included — the property package with optional equipment breakdown makes the account marketable without coinsurance in eligible cases. How to submit Provide completed ACORDs, current loss runs, construction details, occupancy/use information, and estimated TIV per location. For casualty or project business include contracts or certificate wording requirements so underwriters can evaluate additional insured, waiver, and primary/non-contributory needs. Frequently Asked Questions What types of accounts are the best fit for this Dwelling Insurance program?The program is best for contractors, habitational owners, small offices, retail/wholesale occupancies, and certain vacant/transitional properties with TIV up to $5M per location. Project-specific construction accounts and clients needing specialty casualty endorsements are also a good fit. Can I place both property and liability with Allstar on the same account?Yes. Allstar can write monoline property or casualty, or package accounts combining both. Umbrella limits up to $5M are also available to supplement primary limits when needed. What underwriting information speeds placement?Provide ACORD applications, detailed TIV and construction information, current loss runs, and copies of contracts or certificate requirements for additional insured/waiver language. For project accounts, attach the scope of work and schedule of locations. Are there minimum premiums or limit requirements I should expect?Minimum premiums vary by line and state; casualty minimums commonly start near $500 and umbrella near $750, but actual minimums depend on class, limits and territory. Discuss specifics with an underwriter on submission. Need help placing an account? Connect with a market specialist.

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Club Insurance Allstar Financial Group, through its Allstar Underwriters division, offers a Club Insurance program tailored for agents and brokers placing club and hospitality risks. With access to multiple carriers and streamlined underwriting, the program helps you quickly quote and bind coverage for small to mid-sized nightclubs, bars, private clubs, and similar venues. Whether your insured operates a nightclub, bar, social club, or private event venue, Allstar’s Club Insurance program provides a full range of property, casualty, liquor liability, and umbrella solutions. The program is available in AL, GA, LA, MS, NC, SC, TN, and VA, and most coverages are offered on a non-admitted basis. Ideal Accounts and Appetite Allstar targets a broad set of commercial risks that align with club operations and their common exposures, including: Nightclubs and dance venues Private and membership-only clubs Bars and lounges (with or without entertainment) Event venues and mixed-use hospitality spaces Beyond traditional clubs, the program can accommodate select contractors, retail and wholesale tenants, habitational properties, offices, vacant buildings, and institutional facilities depending on the coverage line and risk characteristics. Coverage Highlights and Advantages Property Coverage Total Insured Value (TIV) up to $5 million per location Available as monoline or packaged coverage No coinsurance options where appropriate (subject to underwriting) Optional enhancements such as equipment breakdown Casualty Coverage Monoline or packaged options Minimum premium starting at $500 Primary limits up to $5 million per occurrence/aggregate Project-specific policies available Coverage for uninsured subcontractors Optional enhancements include: Blanket Additional Insureds Waiver of Subrogation Primary & Non-Contributory wording Per Project / Per Location Aggregate Hired & Non-Owned Auto (for certain classes) Miscellaneous Professional (for certain classes) Liquor Liability Limits from $100K/$100K up to $1M/$2M Available as monoline or part of a package Assault & Battery coverage follows the general liability form Offered in NC, SC, GA, TN, and VA Umbrella Coverage Limits up to $5 million Minimum premium starting at $750 Available on both supported and unsupported bases Underlying carrier requirements: A-VI or better for Auto/GL; B++ or better for Employers Liability Required GL underlying limits typically $1M/$2M/$2M Underwriting Notes and Minimum Premiums Allstar focuses on flexible, efficient handling of small to mid-sized accounts. Minimum premiums vary by line and risk; casualty coverage minimums start around $500 and umbrella minimums around $750. Underwriters work with agents to determine eligibility, available enhancements, and any state-specific considerations. Territories and Availability The Club Insurance program is offered in the following states: Alabama (AL) Georgia (GA) Louisiana (LA) Mississippi (MS) North Carolina (NC) South Carolina (SC) Tennessee (TN) Virginia (VA) Most coverages are placed non-admitted with carriers rated A- or better. Why Work With Allstar Financial Group? As a Managing General Underwriter and Excess & Surplus Lines Broker, Allstar combines underwriting expertise with broad market access. The Club Insurance program is backed by multiple carriers and built for quick quoting, flexible terms, and practical endorsements that meet common hospitality exposures. You might have a client who runs a busy nightclub that needs liquor liability with assault & battery and an umbrella layer, or a private club seeking a packaged policy that includes property, general liability, and optional equipment breakdown. Allstar’s small business underwriting team is available to help structure terms and move business efficiently. Need help placing an account? Connect with a market specialist.