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Payment bonds (also called labor and material bonds) guarantee payment to subcontractors, suppliers, and laborers for work and materials provided on a construction project. In many public and private contracts a separate payment bond is required; sometimes payment coverage is included with a performance bond. Allstar Financial Group, through its division ALLSTAR SURETY, offers a national Contract Surety Payment Bond program designed for agents and brokers placing construction bonds. As a full-service surety Managing General Underwriter (MGU), Allstar provides access to a broad set of A.M. Best–rated, U.S. Treasury–listed surety carriers. The program supports standard and non-standard risks with flexible underwriting, competitive pricing, and responsive service for busy agents. Ideal Accounts and Appetite This program fits contractors of all sizes who must provide payment bonds to meet contract requirements. Typical accounts include: General contractors bidding on public or private construction projects Subcontractors needing to meet contract or prime-contractor requirements Construction firms bidding on state or federal projects You might have a client expanding into municipal work who needs their first payment bond, or an established contractor seeking a more flexible surety partner for multiple projects. Allstar’s underwriting team will work with you to place both routine and complex accounts. Coverage Highlights and Advantages Placement for bid bonds, performance bonds, payment bonds, maintenance bonds, and supply bonds Support for license, permit, site improvement, and subdivision bonds Flexible terms and conditions tailored to contractor cash flow and contract requirements Fast turn-around on submissions to help meet bid deadlines Local offices and underwriting contact for personalized service All bonds are placed with established carriers such as Companion, American Southern, and Knightbrook—markets with strong financial ratings and U.S. Treasury listings. Underwriting Notes and Minimum Premiums Minimum premiums and terms vary based on bond type, project size, and contractor experience. Allstar offers underwriting flexibility to accommodate both emerging contractors and large, experienced firms. Submit complete financials and project details to accelerate placement—Allstar reviews both standard and harder-to-place risks. Territories and Availability This program is available in most states, with active markets in Kentucky, Maryland, Missouri, New Jersey, Ohio, Pennsylvania, and West Virginia. Contact Allstar to confirm availability and appetite in your state or region. Why Work With Allstar Financial Group Allstar is a practical partner for agents and brokers who place contract surety. With decades of surety experience, dedicated underwriters, and access to multiple markets, Allstar helps you secure the bonds your clients need—quickly and reliably. Whether the account is a contractor’s first bonded job or a multi-project program, Allstar provides the underwriting support and market access to get the placement done. Let Allstar be your go-to source for contract surety payment bonds. Contact an Allstar underwriter to discuss a specific account or to start a submission. - Standard and Non-Standard Surety Markets - Flexible Terms and Conditions - Fast Turn-Around on Submissions - Local Offices and Underwriting Support Frequently Asked Questions What types of accounts are a good fit for this program?Contractors of all sizes involved in public or private construction projects—both general contractors and subcontractors—are a strong fit for Allstar’s payment bond program. Can Allstar help with non-standard or hard-to-place surety risks?Yes. Allstar offers flexible underwriting and access to multiple carrier markets to place both routine and more complex or hard-to-place surety risks. Is this program available in my state?The program is actively available in KY, MD, MO, NJ, OH, PA, and WV. Contact Allstar to confirm availability in your specific state or county. What is the typical turnaround time for bond issuance?Allstar is known for quick response times. Turnaround depends on submission completeness and carrier requirements, but the team prioritizes meeting bid and project deadlines. Which carriers does Allstar use for this program?Allstar places bonds with reputable carriers including Companion, American Southern, and Knightbrook—all A.M. Best–rated and U.S. Treasury–listed where applicable. Need help placing an account? Connect with a market specialist.

Restaurant Insurance Allstar Financial Group, through its specialized division Allstar Underwriters, offers a Restaurant Insurance Program built for restaurants of all sizes and service models. Designed for independent agents and brokers, the program delivers flexible property, casualty, liquor liability, and umbrella solutions tailored to common restaurant exposures — from small cafés to full-service venues with liquor sales or heavy equipment needs. Our small business solutions platform makes quoting and binding straightforward. We work with multiple excess & surplus (E&S) carriers and provide both supported and unsupported umbrella options. Coverage is available in most Southeastern states and is often offered on a non-admitted basis to maximize market access and capacity. Ideal Accounts and Appetite This program fits a wide range of food service operations, including: Full-service and casual dining restaurants Quick-service and fast-casual concepts Locations with on-premises liquor sales Franchise groups and independent operators You might place a newly opened bistro with liquor service in Georgia or a multi-location café operator in North Carolina — both are typical fits for this program. Coverage Highlights and Advantages Property Coverage: Total Insured Value (TIV) up to $5 million per location Available as monoline or as part of a packaged policy No-coinsurance options where risk characteristics allow Optional enhancements such as equipment breakdown Casualty Coverage: Primary limits up to $5 million per occurrence/aggregate Minimum general liability premiums starting at $500 Project-specific policies and per-location aggregates available Options to cover uninsured subcontractors where needed Available enhancements: Blanket additional insured endorsements Waiver of subrogation Primary and non-contributory wording Per project or per location aggregate structures Hired & Non-Owned Auto (select classes) Miscellaneous professional liability (select classes) Liquor Liability Coverage: Limits available from $100,000/$100,000 up to $1 million/$2 million Can be written monoline or packaged with GL/property Assault and battery coverage follows the general liability form Available in NC, SC, GA, TN, and VA Umbrella Coverage: Limits up to $5 million Minimum premiums from $750 Available on supported and unsupported bases Underlying auto and GL carriers should carry an AM Best rating of A-VI or better Employers liability on umbrella requires a minimum AM Best rating of B++ Underwriting Notes and Minimum Premiums Minimums vary by line and class; general liability often starts at $500 while umbrella typically starts at $750. Underwriting focuses on class code, location, revenue and payroll, liquor exposure, fire and cooking-protection measures, and any prior loss history. Optional endorsements help you meet contract requirements for contractors, landlords, or event venues. Territories and Availability The Restaurant Insurance Program is available in Alabama, Georgia, Louisiana, Mississippi, North Carolina, South Carolina, Tennessee, and Virginia. Most products are placed on a non-admitted basis through multiple E&S carriers to widen appetite and capacity across the region. Why Work With Allstar Financial Group Allstar Financial Group is a Managing General Underwriter (MGU) and Excess & Surplus Lines Broker with deep specialty expertise in restaurant exposures. Agents benefit from market access to multiple carriers, a focus on quick turnaround, and underwriting that understands the operational nuances of food service — from liquor operations to equipment-heavy kitchens and multi-location programs. Our team prioritizes ease of placement and responsive support when accounts have contract or certificate requirements. If you have a restaurant account with unique exposures — liquor liability, significant cooking equipment, or multi-location needs — Allstar can provide flexible, market-driven options backed by experienced underwriting partners. Frequently Asked Questions What types of restaurant accounts are eligible for this program?This program serves a broad spectrum of restaurants, including full-service, fast-casual, quick-service, and establishments with liquor sales. Both franchise and independent operators are considered. Is liquor liability coverage available?Yes. Liquor liability can be written monoline or packaged with other lines in NC, SC, GA, TN, and VA, with limits up to $1 million/$2 million. Can I submit accounts that need both property and GL coverage?Yes. The program supports monoline placements and packaged policies to combine property, general liability, liquor liability, and umbrella as needed. What are the general premium requirements?Minimum premiums vary by line. General liability often begins around $500 and umbrella coverage around $750; final pricing is based on class, location, limits, and loss history. Which states is this program available in?Coverage is available in AL, GA, LA, MS, NC, SC, TN, and VA. Need help placing an account? Connect with a market specialist.

...ing or a municipality managing a regional airport—both are ideal fits for our ...

...ers. Examples of Good Fits A regional property manager with a 3-story vaca...