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https://completemarkets.com/company/allstar/Club-Insurance/
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.