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...range of retailers in the packaged goods and beverage space. It is especially ...ogram is ideal for package and liquor stores, including single-location retail...

Convenience Store Insurance Allstar Financial Group offers a comprehensive Convenience Store Insurance program designed to meet th...This program is ideal for convenience stores, retail shops, wholesale outlets,...

...uce the likelihood of costly third-party claims. EIS provides quick and coord...gram is available in most states (see storefront for the full state list). Ava...

..., Automotive Parts, Toys, Sporting Goods, and Raw Materials. Underwriting Fle...

Mercantile Insurance Allstar Financial Group, through its Allstar Underwriters division, offers a comprehensive Mercantile Insurance program tailored for small to mid-sized businesses. Designed for independent agents and brokers seeking fast, flexible, and competitive solutions, this program includes Property, Casualty, and Umbrella coverages. With access to multiple carriers and underwriting expertise, Allstar makes it easy to quote and bind coverage quickly through its Small Business Solutions division. Ideal Accounts and Appetite The Mercantile Insurance program is built to accommodate a broad range of commercial risks, including: Retail and Wholesale Operations Contractors and Construction-related Businesses Habitational and Institutional Properties Office Buildings and Professional Services Vacant Properties Whether your client is a general contractor, a retail shop owner, or manages a vacant commercial property, this program offers solutions that meet a wide range of needs and exposures. Coverage Highlights and Advantages Property Coverage Total Insured Value (TIV) up to $5 million per location Available as monoline or packaged policies No coinsurance options (subject to risk type) Optional enhancements, including equipment breakdown Casualty Coverage Monoline or packaged options Minimum premium starting at $500 Primary limits up to $5 million / $5 million Project-specific policies available Coverage for uninsured subcontractors Optional endorsements such as: Blanket Additional Insured Waiver of Subrogation Primary Non-Contributory Per Project / Per Location Aggregate Hired & Non-Owned Auto (select classes) Miscellaneous Professional Liability (select classes) Umbrella Coverage Limits available up to $5 million Minimum premium from $750 Supported and unsupported options Underlying requirements include carriers rated A-VI or better (Auto/GL) and B++ or better (Employers Liability) GL limits must meet $1 million / $2 million / $2 million minimums Underwriting Notes and Minimum Premiums Minimum premiums vary by line of coverage and risk type, starting at $500 for Casualty and $750 for Umbrella coverage. Allstar Underwriters is experienced in handling a wide range of mercantile risks and offers flexible underwriting and optional enhancements to tailor coverage. Monoline or package policies are available depending on your client's needs. Territories and Availability This program is available in most states, with a strong focus on the Southeastern U.S., including Alabama, Georgia, Louisiana, Mississippi, North Carolina, South Carolina, Tennessee, and Virginia. Admitted and non-admitted options are available depending on the state and class of business. Why Work With Allstar Financial Group? Allstar Financial Group is a Managing General Underwriter and E&S Broker with a reputation for responsive service and underwriting expertise. Their Mercantile Insurance program is backed by multiple carriers and designed to streamline the placement process for agents and brokers. With quick turnaround times and flexible options, Allstar makes it easier to serve your small business clients across a wide range of industries. You might have a retail client needing a quick package quote including property and liability, or a contractor requiring project-specific liability with optional umbrella limits — Allstar has the tools and market access to help you place that business efficiently. Frequently Asked Questions What types of accounts are a good fit for this program?This program is ideal for contractors, retail and wholesale businesses, habitational properties, office buildings, institutional risks, and vacant properties. Can I write monoline coverage or must it be packaged?You can write either monoline or package policies depending on the client's needs and the line of business. What is the minimum premium for Casualty and Umbrella coverage?Casualty coverage starts at $500 minimum premium, while Umbrella coverage starts at $750. Actual premiums may vary based on the specific risk. Which states is this program available in?This program is available in most states, with a primary focus on AL, GA, LA, MS, NC, SC, TN, and VA. Are enhancements like Additional Insured and Waiver of Subrogation available?Yes, optional enhancements such as Blanket Additional Insured, Waiver of Subrogation, and others are available for qualifying classes. Need help placing an account? Connect with a market specialist.

...am provides robust First and Third Party coverage options and can be written o... public relations efforts Third Party Coverage Network security a...

...ployee, customer, vendor, or third party — the program helps insureds contain ... or higher-stress operations — retail stores, restaurants, healthcare provider...

Real Estate Development Allstar Financial Group offers Real Estate Development insurance solutions, including casualty and umbrella placements tailored for developers, general contractors and owners of apartment and condominium projects. Our small-business solutions division provides a streamlined quoting and binding process for habitational and mixed-use development accounts—call to speak with one of our underwriters for program specifics and submission requirements. Overview of the Program From Allstar Financial Group This program is designed to help agents place construction and development risks with flexible casualty and excess/umbrella options. Policies can be written on a project-specific basis or as broader packages where appropriate. The program supports both primary liability needs and excess limits to protect insureds from construction and premises exposure during development, lease-up and early operations. Casualty Coverage Highlights Monoline or package options Minimum premium starting at $500 Primary limits available up to $5,000,000 / $5,000,000 Project-specific policies available Uninsured subcontractor coverage Optional coverage enhancements, including: Blanket additional insured Waiver of subrogation Primary, non-contributory wording Per project / per location aggregate Hired & non-owned auto (certain classes) Miscellaneous professional liability (certain classes) Umbrella Coverage Highlights Limits available up to $5,000,000 Minimum premium starting at $750 Supported or unsupported placements Underlying Requirements and Underwriting Standards AM Best A-VI or better for auto or general liability AM Best B++ or better for employers liability Typical underlying GL limits: $1,000,000 / $2,000,000 / $2,000,000 Ideal Accounts and Appetite The program fits a broad range of real estate development risks, including: Contractors and general contractors Habitational developments (apartments, condos during construction and lease-up) Office, retail and mixed-use projects Vacant or phased occupancy projects Wholesale and institutional developers (subject to underwriting) Agents should submit accounts with clear project details, GC/subcontractor relationships, and reasonable loss control measures. The program can accommodate many common construction classes, but higher hazard or heavily insured-loss accounts may require referral. Coverage Advantages Flexible placement: monoline or packaged casualty options with project-specific policies when needed Enhanced endorsements available to satisfy owner/GC contract requirements (AI, waiver of subrogation, primary/non-contributory) Excess/umbrella capacity up to $5M with supported and unsupported structures Quick quoting and binding through a dedicated small-business solutions team Underwriting Notes and Minimums Minimum premiums noted in the program materials start at $500 for casualty and $750 for umbrella; actual minimums can vary by state, class and coverage structure. Project-specific placements are available—include scope, schedule, values and subcontractor controls with submissions to speed review. Territories and Availability This program is available in most of the southeastern U.S., including: AL, GA, LA, MS, NC, SC, TN and VA. Availability may vary by class and limit—please check with underwriting for territory-specific acceptances and any admitted vs. E&S placement requirements. Why Work With Allstar Financial Group on Real Estate Development Business Underwriter access: program administered by a managing general underwriter with excess & surplus lines brokerage capability, providing flexibility where admitted markets are limited. Practical endorsements to meet contract needs and reduce coverage gaps during construction and early occupancy. Responsive small-business solutions team that helps generate quick indications and bind policies for typical apartment and condo developments. Project and location aggregate options that help manage complex multi-site exposures. Example Accounts That Fit the Program A regional developer building a 150-unit apartment complex seeking primary GL with project-specific wording and a $2M primary limit, plus supported umbrella capacity. A general contractor on phased retail redevelopment needing blanket additional insured endorsements, Waiver of Subrogation and per project aggregate limits. Frequently Asked Questions What types of accounts are a good fit for this Real Estate Development program?Accounts that commonly fit include apartment and condominium developments, mixed-use retail/office projects, general contractors and owners with manageable loss histories and clear subcontractor controls. The program handles project-specific placements and multi-location risks within the stated territories. What are the minimum premiums and available limits?Casualty minimums start around $500 and umbrella minimums start around $750, though actual minimums can vary by state and submission. Primary limits are available up to $5M/$5M and umbrella limits up to $5M. Can the program provide contract language required by owners or lenders?Yes. The program offers a range of optional endorsements—blanket additional insured, waiver of subrogation, primary/non-contributory wording and per project/per location aggregate—to help satisfy contract requirements where available. Which states are supported and will you place on an admitted basis?The program is available across most southeastern states, including AL, GA, LA, MS, NC, SC, TN and VA. Placement (admitted vs. surplus) depends on the class, limits and state regulations; underwriting will advise the appropriate market for each submission. 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.

General Contractor Insurance Allstar Financial Group, through its Allstar Underwriters division, provides a flexible and competitive General Contractor Insurance program tailored for independent agents and brokers. Built to address the complex liability exposures of general contractors, the program gives agents access to casualty and umbrella solutions with customizable endorsements and project-specific wording when needed. Overview of the Program Allstar’s General Contractor Insurance program is designed for agents placing small- to mid-sized construction risks. Whether the insured manages residential single-family projects, multi-unit habitational work, or light commercial renovation, Allstar offers market access, flexible underwriting, and the policy forms often required by project owners and GC clients. Operating as a Managing General Underwriter (MGU) and an Excess & Surplus Lines broker, Allstar works with multiple carriers to provide broader coverage options than typical admitted markets. The program is available in most states, with a strong footprint in AL, GA, LA, MS, NC, SC, and VA, and offers both admitted and non-admitted placements depending on the risk and location. Target Classes and Risk Appetite This program fits a wide range of contractor-related operations, including: General contractors (residential and commercial) Habitational risks (apartments, condos, multi-family) Retail and wholesale tenant fit-outs Office and light institutional projects Limited vacant building exposures (select classes) You might have a client who manages a portfolio of small commercial renovations or oversees mixed-use residential projects — Allstar can provide project-specific liability coverage and endorsements to match those exposures. Casualty Coverage Highlights Available as monoline or within a package Minimum premium levels start around $500 (varies by class) Primary liability limits available up to $5 million per occurrence/aggregate Project-specific and per-project policies available Options to address uninsured subcontractor exposures (subject to underwriting) Common enhanced endorsements offered: Blanket Additional Insured Waiver of Subrogation Primary and Non-Contributory wording Per Project / Per Location Aggregate Hired & Non-Owned Auto (select classes) Miscellaneous Professional Liability (select classes) Umbrella Coverage Highlights Limits available up to $5 million Minimum umbrella premiums start around $750 (varies by account) Supported and unsupported umbrella structures available Underlying Requirements: AM Best A-VI or better for Auto or General Liability AM Best B++ or better for Employer’s Liability Typical GL limits required: $1M / $2M / $2M Underwriting and Submission Notes Allstar’s underwriting team, including its Small Business Solutions division, focuses on quick reviews and practical binding options for construction risks. Expect responsive turnaround, flexible minimum premiums by class, and the ability to structure project-specific or location-specific aggregates. Include ACORD applications, loss runs, and project details for the fastest review. States and Availability The program is available in most states, with strong market activity in AL, GA, LA, MS, NC, SC, and VA. Allstar places both admitted and non-admitted coverage depending on the risk profile, limits needed, and state filing requirements. Why Work With Allstar Financial Group? Allstar brings decades of underwriting experience and a reputation for responsive service. As an MGU and E&S broker with access to multiple carriers, the firm helps agents place complex or non-standard general contractor accounts that may be difficult to place in standard markets. Their focus on construction-related risks, project-specific wording, and enhanced certificate operations makes them a useful partner when clients need tailored liability and umbrella solutions. Frequently Asked Questions What types of accounts are a good fit for this General Contractor Insurance program?This program is ideal for residential and commercial general contractors, including those working on habitational, retail, institutional, and mixed-use projects. Are project-specific policies available?Yes. Allstar offers project-specific policies and per-project aggregates to match the needs of individual construction jobs. What is the minimum premium for coverage?Casualty minimums generally start near $500 and umbrella minimums near $750, though actual minimums vary by class and account characteristics. Is coverage available for uninsured subcontractors?Options to address uninsured subcontractor exposures are available, subject to underwriting review and approval. In which states is this program available?The program is available in most states, with a focus on AL, GA, LA, MS, NC, SC, and VA. Admitted or non-admitted placement depends on the specific risk and state. Need help placing an account? Connect with a market specialist.