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Retail Insurance Allstar Financial Group, a Managing General Underwriter and Excess & Surplus Lines Broker, offers a flexible and competitive Retail Insurance program through its Allstar Underwriters division. Designed to serve small and mid-sized retail accounts, this program provides agents and brokers with streamlined access to Property, Casualty, and Umbrella coverages for a wide range of commercial risks. Ideal Accounts and Appetite The Retail Insurance program is a great fit for agents seeking coverage solutions for clients in various industries, including: Retail operations (e.g., clothing stores, electronics shops) Contractors Habitational risks (apartments, condos) Office buildings Vacant buildings Wholesale businesses Institutional facilities Whether you're working with a strip mall tenant or an independent contractor, Allstar provides flexible underwriting options to accommodate diverse risk types. You might have a client who operates a small retail clothing store in a suburban shopping center—this program can offer both property and liability coverage tailored to their needs. Coverage Highlights and Advantages Property Coverage Total Insured Value (TIV) up to $5 million per location Available as monoline or package policies No coinsurance options (varies by risk) Optional enhancements, including equipment breakdown Casualty Coverage Monoline or package policy options Minimum premium starting at $500 Primary liability limits up to $5 million per occurrence/aggregate Project-specific policies available Coverage available for businesses with uninsured subcontractors Optional enhancements such as: Blanket additional insured Waiver of subrogation Primary non-contributory wording Per project/per location aggregate Hired and non-owned auto (select classes) Miscellaneous professional liability (select classes) Umbrella Coverage Limits up to $5 million Minimum premium starting at $750 Available on a supported or unsupported basis Underlying Requirements AM Best rating of A-VI or better (Auto and GL) AM Best rating of B++ or better (Employers Liability) General Liability limits: $1M/$2M/$2M Underwriting and Submission Notes Allstar makes it quick and easy to quote and bind coverage for your retail clients through its Small Business Solutions Division. Their underwriting team is responsive and knowledgeable, helping you navigate complex risks and tailor coverage with optional enhancements. Minimum premiums vary by line of coverage, starting as low as $500 for Casualty and $750 for Umbrella. Risk-specific factors will influence final terms and pricing. Territories and Availability This Retail Insurance program is available in most states, including: Alabama (AL) Georgia (GA) Louisiana (LA) Mississippi (MS) North Carolina (NC) South Carolina (SC) Tennessee (TN) Virginia (VA) Coverage is typically offered on a non-admitted basis, giving Allstar the flexibility to customize solutions for harder-to-place risks. Why Work With Allstar Financial Group? With access to multiple carriers and a strong focus on underwriting service, Allstar Financial Group is a reliable resource for agents and brokers placing retail-related risks. Their experienced team understands the unique exposures of small and mid-sized businesses and works closely with you to deliver tailored coverage options quickly and efficiently. Whether you're placing a new account or need help re-marketing a non-renewed policy, Allstar can help you deliver value to your retail clients. Frequently Asked Questions What types of accounts are a good fit for this Retail Insurance program?This program is ideal for small to mid-sized retail stores, contractors, habitational properties, office spaces, and wholesale or institutional risks. Can I get monoline coverage or does it have to be a package?Yes, both monoline and package options are available for Property and Casualty coverages, depending on the client's needs. What is the minimum premium for this program?Minimum premiums start at $500 for Casualty and $750 for Umbrella coverage, though final pricing depends on the specific risk and coverage selected. Is this program available in admitted markets?The program is offered in most states on a non-admitted basis, allowing for greater flexibility in underwriting and coverage customization. What optional coverages can be added to enhance the policy?Optional enhancements include equipment breakdown, blanket additional insured, waiver of subrogation, hired and non-owned auto, and more—availability varies by class of business. Need help placing an account? Connect with a market specialist.