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Rental Equipment & Party Goods | Ascinsure For more than 30 ye...nies that provide construction tools, party supplies, tents, inflatables, or g...

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...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...

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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.

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.