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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...

...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...

Grocery Store Insurance Allstar Financial Group’s Grocery Store Insurance program is built for the un... for this program?Independent grocery stores, ethnic and specialty markets, corner stores, and retail food operations with ...

...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...

...ue to non-compliance by the bonded party Streamlined application and process...

..., 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.

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

Artisan Contractors Insurance Allstar Financial Group’s Artisan Contractors Insurance program, offered through Allstar Underwriters, is designed for independent agents and brokers seeking comprehensive and flexible coverage options for small to mid-sized artisan contractor clients. With access to multiple carriers and tailored underwriting expertise, we make it seamless to quote, bind, and service policies across a broad range of trades and project types. Ideal Accounts and Appetite Our program is an excellent fit for general and specialty artisan contractors involved in residential, commercial, or mixed-use projects. We welcome accounts such as: Electrical, plumbing, and HVAC contractors Carpenters, drywall installers, and painters Masonry, roofing, and flooring professionals Remodelers and small general contractors We also consider risks related to habitational, office, retail, institutional, wholesale, and vacant property exposures. Uninsured subcontractors can be considered, and policies can be tailored for project-specific needs. This program is designed for agents with clients who need a responsive market for both straightforward and more nuanced construction risks. Coverage Highlights and Advantages Casualty Coverage: Available as monoline or package policies Minimum premiums starting at $500 Primary limits available up to $5M/$5M Project-specific policies available Optional coverage enhancements including: Blanket Additional Insured Waiver of Subrogation Primary and Non-Contributory wording Per Project/Per Location Aggregates Hired & Non-Owned Auto (select classes) Misc. Professional Liability (select classes) Umbrella Coverage: Limits up to $5 million Minimum premiums starting at $750 Available on a supported or unsupported basis Umbrella policies require underlying carriers with AM Best ratings of A-VI or better for Auto/GL and B++ or better for Employers Liability. GL limits of $1M/$2M/$2M are required. Underwriting Highlights and Minimum Premiums Our underwriting team focuses on responsiveness and flexibility. Minimum premiums vary by class and coverage, starting at $500 for casualty and $750 for umbrella. We work with agents to find the right structure for each account, whether it’s a standalone policy or a complete package. Example: You might have a contractor client specializing in residential remodeling who uses a few uninsured subcontractors. Our program can accommodate this setup while offering the coverage enhancements needed to satisfy project owner requirements. Territories and Market Availability This program is available in most states, with a focus on AL, GA, LA, MS, NC, SC, TN, and VA. We operate on a non-admitted basis, giving us the flexibility to tailor solutions outside the standard market. Why Work With Allstar Financial Group? Allstar Financial Group is a trusted Managing General Underwriter and E&S Broker with deep experience in contractor risk placement. Our small business solutions division is built to support independent agents with fast quoting, knowledgeable underwriters, and access to multiple quality carriers. Whether you're working on a single artisan policy or a bundled package for a growing contractor, we streamline the process and help you deliver value to your clients. Frequently Asked Questions What types of accounts are a good fit for this program?This program is ideal for small to mid-sized artisan contractors, including electricians, plumbers, HVAC techs, painters, roofers, and general remodelers. Can the program accommodate uninsured subcontractors?Yes, accounts with uninsured subcontractors can be considered based on underwriting review. Is this coverage available on an admitted basis?No, most coverage is placed on a non-admitted basis to provide greater flexibility in terms and structure. In which states is this program available?The program is available in most states, with a core focus on AL, GA, LA, MS, NC, SC, TN, and VA. Are project-specific policies available?Yes, we offer project-specific policies and can tailor coverage to meet the needs of individual jobs or contracts. 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.