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Warehouse Insurance Allstar Financial Group, through its Allstar Underwriters division, offers a Warehouse Insurance program tailored for small to mid-sized businesses. The program delivers flexible Property, Casualty, and Umbrella coverages with streamlined underwriting so independent agents can quote and bind coverage efficiently for warehouse and storage clients. Ideal Accounts and Appetite If you work with clients in warehousing, light manufacturing, or distribution, this program provides practical, market-backed solutions. Target risks include: Contractors storing equipment or materials Habitational properties with on-site storage Retail and wholesale operations that use warehouse space Vacant warehouse properties Institutional or office buildings that include warehousing components Whether the client owns a single-location warehouse or operates multiple sites, Allstar has options to handle many common and specialty warehouse exposures. Coverage Highlights and Advantages Property Coverage: Total Insured Values (TIV) up to $5 million per location Available as monoline or package policies No coinsurance options (availability varies by risk) Optional enhancements, including equipment breakdown Casualty Coverage: Monoline or package availability Minimum premiums starting at $500 Primary limits up to $5 million per occurrence/aggregate Project-specific policies for unusual exposures Coverage options for uninsured subcontractors Optional enhancements such as: Blanket additional insured Waiver of subrogation Primary and non-contributory wording Per project/location aggregate Hired & Non-Owned Auto (select classes) Miscellaneous professional liability (select classes) Umbrella Coverage: Limits up to $5 million Minimum premiums starting at $750 Both supported and unsupported umbrella forms available Typical underlying carrier AM Best requirements: A-VI or better for Auto and GL B++ or better for Employers Liability GL limits of $1M/$2M/$2M required Underwriting Notes and Minimum Premiums Underwriting is designed to be efficient and responsive, enabling quick quoting and binding for most qualified risks. Minimum premiums vary by line: general liability typically starts at $500, and umbrella coverage at $750. Property premiums depend on location, construction, and TIV. The program’s flexible structures and no-coinsurance options (where offered) make it attractive for agents seeking straightforward placement for warehouse risks. Territories and Availability This program is available in most states, with active placement across the Southeast. Current states of availability include: Alabama (AL) Georgia (GA) Louisiana (LA) Mississippi (MS) North Carolina (NC) South Carolina (SC) Tennessee (TN) Virginia (VA) Allstar primarily places business through non-admitted markets; availability may vary by state and specific risk characteristics. Why Work With Allstar Financial Group? As a Managing General Underwriter and Excess & Surplus (E&S) broker, Allstar Financial Group combines niche underwriting expertise with access to multiple carriers. Allstar Underwriters focuses on warehouse exposures and delivers tailored, quick-turn solutions for retail agents. The small business division is built to help agents place challenging or specialized accounts with confidence. Example scenarios that fit the program: A contractor client storing tools and materials in a standalone warehouse that needs property and liability protection. A vacant industrial building awaiting redevelopment that requires property coverage and risk-control guidance. With flexible forms, optional endorsements, and responsive underwriting, Allstar helps you secure appropriate protection and expand your book of business in the warehouse niche. Frequently Asked Questions What types of accounts are a good fit for this program?This program targets warehouse-related risks such as contractors, retail or wholesale distributors, vacant properties, habitational risks with storage, and institutional or office buildings with warehousing components. Can I write monoline property or casualty coverage?Yes. The program offers both monoline and package options for property and casualty coverage depending on your client's needs. What are the minimum premiums for coverage?Minimum premiums generally start at $500 for general liability and $750 for umbrella. Property premiums vary based on the risk profile and location. Is this program admitted or non-admitted?The program is primarily offered through non-admitted markets across multiple carriers. Availability can differ by state and by specific exposure. Which states is this program available in?This warehouse insurance program is currently available in Alabama, Georgia, Louisiana, Mississippi, North Carolina, South Carolina, Tennessee, and Virginia. Need help placing an account? Connect with a market specialist.

...ouse operations, including mini-warehouses. With access to multiple admitted a...rivate warehouse risks. For public warehouses, contents options depend on the ...

...gle-location and multi-location warehouses, distribution centers, and third-pa...Single-location and multi-location warehouses, distribution centers, and 3PLs ...

Name an Inland Marine risk, and Ascinsure Specialty Risk can likely write it. It's that simple. As a trusted wholesale broker with access to various carriers, Ascinsure specializes in placing complex and hard-to-place Inland Marine exposures across a wide range of industries. Whether your insured is a contractor with mobile equipment or a warehouse operator with specialized logistics needs, we can help you find the right solution. Ideal Accounts and Appetite Ascinsure welcomes a broad spectrum of Inland Marine risks, including both standard and niche classes. If you have an account with mobile, high-value, or specialized property that moves or requires special handling, we want to hear about it. Sample eligible classes include: Construction equipment and builder’s risk Renewable energy operations Warehouse operators and warehouseman's legal liability Ocean cargo and logistics exposures Machine shops and scientific equipment Courier and small package delivery services Fine arts, collectibles, and stamp/coin dealers Oil & gas and surface mining operations Railroad rolling stock and broadcasting equipment Medical diagnostic and electronic equipment From builder’s risk to warehouse coverage and everything in between, if it falls under Inland Marine, we can likely help you place it. Coverage Highlights and Advantages Ascinsure’s Inland Marine program offers flexible, tailored coverages designed to protect property that is mobile, movable, or otherwise excluded from standard property policies. Key coverage options may include: Contractor’s equipment and installation floaters In-transit and mobile equipment protection Builder’s risk coverage including wind options in the Southeast Warehouse and logistics liability Specialized coverage for fine arts, scientific tools, and collectibles Renewable energy component coverage We understand that Inland Marine risks can be complex, and we thrive on crafting custom solutions for your unique accounts. Underwriting Notes Ascinsure works with various carriers to offer flexible underwriting and competitive solutions. While there is no strict minimum premium disclosed, we recommend contacting us early with risk details to determine eligibility and pricing expectations. We welcome challenging accounts and offer responsive underwriting support to help you win more business. States and Availability This program is available in all 50 states plus Washington, DC. Whether your client is based in California, Texas, Florida, or anywhere in between, we can help you secure Inland Marine coverage to fit their needs. Why Work With Ascinsure on Inland Marine? Ascinsure Specialty Risk is known for its ability to tackle unique and difficult risks — and Inland Marine is one of our key specialties. With access to multiple markets, a wide underwriting appetite, and a can-do attitude, we make it easy for agents and brokers to place business that others may turn away. We love a challenge — let us help you find a solution that fits. Frequently Asked Questions What types of accounts are a good fit for Ascinsure’s Inland Marine program?We’re a great fit for accounts with mobile equipment, builder’s risk needs, warehouse exposures, or specialized items like fine arts, scientific tools, or collectibles. Can Ascinsure help with hard-to-place or unusual Inland Marine risks?Yes. We specialize in challenging and unique Inland Marine exposures and encourage agents to bring us tough accounts. Is the program available nationwide?Yes, we can write Inland Marine insurance in all 50 states and Washington, DC. Do you offer coverage for builder’s risk including wind in coastal areas?Yes, builder’s risk coverage is available, including wind options in the Southeast United States. What carriers does Ascinsure work with on Inland Marine business?We partner with various carriers to provide competitive options tailored to your client's needs. Specific markets depend on the risk profile. Need help placing an account? Connect with a market specialist.

...usinesses utilizing third-party warehouses or distribution centers Retaile... cover goods stored at third-party warehouses?Yes, the policy includes locatio...

...who store cargo in terminals or warehouses?Yes. Terminal coverage and warehous...

Allstar Financial Group offers a focused U.S. Custom Surety Bonds program for agents and brokers placing import-related risk. These bonds ensure clients meet U.S. Customs requirements, protect federal revenue, and guarantee payment of duties, taxes, and fees when merchandise enters the United States. Overview of the Program From Allstar Financial Group U.S. Custom Surety Bonds are required for businesses and individuals who import goods or perform import-related activities. Allstar’s program supports the single CBP Form 301 bond and can cover up to ten U.S. Customs activity codes on that form. Most placements fall into the first three activity types (importing merchandise, customs brokerage, and bonded warehousing), but the program can be structured for broader activity combinations when appropriate. Ideal Accounts and Appetite This program is a fit for importers, customs brokers, bonded warehouse operators, freight forwarders, and transportation companies involved in international trade. It accommodates a range of sizes — from small e-commerce importers to larger distribution and manufacturing importers — so long as import operations and financials meet underwriting guidelines. Example scenarios: You might have a client launching an e-commerce store that imports consumer goods and needs a CBP bond, or a long-time importer expanding shipment volume who now requires an updated customs bond covering additional activity codes. Allstar’s program is flexible for these common agent placements. Coverage Highlights and Advantages Supports multiple U.S. Customs activity codes on a single 301 bond Helps ensure compliance with federal import regulations Protects against non-payment of duties, taxes, and fees Access to multiple carriers for competitive underwriting and placement options Underwriting Notes and Minimum Premiums Underwriting varies by account type, annual import volume, claims history, and the activity codes requested on the bond. Allstar leverages relationships with multiple carriers to find competitive terms for standard and harder-to-place risks. Minimum premiums and final pricing depend on the required bond amount and underwriting details; contact Allstar’s office to request the application and specific underwriting instructions. Territories and Availability Allstar’s U.S. Custom Surety Bonds program is available in most states, including CA, TX, NY, FL, IL, PA, GA, and WA. The program is offered on an admitted basis in many jurisdictions, providing agents with broad territorial access for client placements. Why Work With Allstar Financial Group on This Business As a Brokerage General Agency, Allstar brings focused expertise in surety placements for import-related businesses. Agents benefit from Allstar’s carrier access, nimble underwriting options, and practical knowledge of U.S. Customs requirements. The team can assist with standard accounts and more complex or high-limit placements that require multiple activity codes or specialized underwriting. Frequently Asked Questions What types of accounts are a good fit for this U.S. Custom Surety Bond program?This program is well suited for importers, customs brokers, freight forwarders, bonded warehouse operators, and transportation companies engaged in international trade. What are the most common activity codes covered by the bond?Most clients fall under the first three activity codes: importing merchandise, acting as a customs broker, or operating a bonded warehouse. The program can cover up to ten activity codes on the Form 301. How do I start the application process?Contact Allstar Financial Group to request the appropriate application and underwriting checklist. Provide details on the client's import activity, estimated duties, and any prior bond history to speed placement. Is this program available nationwide?Yes — the program is available in most states, including CA, TX, NY, FL, and others. Availability and admitted status vary by state. Are multiple carriers available for placement?Yes. Allstar works with multiple carriers to secure competitive terms and flexible underwriting for a variety of importers and brokerages. Need help placing an account? Connect with a market specialist.

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Novatae Risk Group offers an Alternative Workers Compensation program—underwritten by an admitted A-rated carrier—designed for insureds with high-risk class codes and elevated experience modifiers. If your clients are being steered to the State Compensation Insurance Fund or have limited admitted options, this program provides a competitive market alternative that can produce meaningful hard-dollar savings. While the program was developed to address risks with operations and employees in New York, Novatae Risk Group places similar high-risk and high X-Mod workers' comp solutions across the states listed below. The program is built to deliver lower upfront costs, low start-up fees, and flexible pay-as-you-go payroll options to help clients preserve immediate cash flow. Send us your high-risk and high X-Mod workers’ compensation submissions—we can evaluate whether this market is an appropriate placement for your client. Broad Eligible Class Codes (Not a Complete List): Trucking / Transportation / Furniture Movers Food Processing / Bakeries Cold Storage Janitorial / Property Management / Residential Cleaning Retail / Wholesale Manufacturing Hospitality Drivers Warehouse Operations Exclusions: Construction Temporary staffing USL&H exposure Hazardous material handling Seasonal operations Greater than 25% use of part-time labor Armed guards Experience Modifiers Considered: Ideal risks have X-Mods of 1.30 and above Will consider risks with X-Mods between 1.0 and 3.0 Minimum Premium: $75,000 minimum premium $100,000 minimum for trucking exposures PEO Benefits: Workers Compensation: Admitted "A" Excellent (VIII) rated carrier by A.M. Best Insureds retain their experience modifier (X-Mod) Payroll Administration: Payroll taxes Government reporting Management reporting Cost analysis Record keeping Salary history Payroll processing Vacation, holiday & sick pay administration Paperwork reduction Risk Management: Workers' comp claims management Safety surveys Drug testing Record keeping Unemployment insurance controls Employer protection policies & services Post-accident and reasonable suspicion procedures Submission Requirements: ACORD 130 3 years loss runs (fully valued) Copy of X-Mod (NYCIRB copy for New York risks) Industry-specific supplemental applications for towing, trucking, landscaping, etc. Territories & Availability: Novatae Risk Group places this program across multiple states. Availability depends on state rules and underwriting; please reference the program's current territory list when submitting. States we currently serve include: AK, AL, AR, AZ, CA, CO, CT, DE, FL, GA, HI, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MN, MO, MS, MT, NC, NE, NH, NJ, NM, NV, NY, OK, OR, PA, RI, SC, SD, TN, TX, UT, VA, VT, WI, WV and DC. Why Place High-Risk Workers' Comp with Novatae Risk Group? Specialized underwriting for high-risk classes and elevated X-Mods that many admitted markets decline. Access to an admitted, A-rated carrier while maintaining the insured's X-Mod. Flexible billing (pay-as-you-go) and competitive start-up costs to help clients manage cash flow. Integrated payroll, reporting, and risk-control services that reduce administrative burden for agents and clients. Example fits: You might have a regional bakery with a 1.8 X-Mod and recurring shoulder/back claims, or a third-party logistics firm with heavy driver and warehouse exposure that needs an admitted solution outside the residual market. Both can be good candidates for this program when minimum premium thresholds are met. Frequently Asked Questions What types of accounts are a good fit for this program?Strong candidates are employers with high-risk class codes (trucking, cold storage, food processing, janitorial, warehouse, etc.) and elevated X-Mods—typically 1.30 and above—but the program will consider X-Mods from 1.0 up to 3.0. Which accounts are likely to be declined?This program excludes construction, temporary staffing, USL&H exposure, hazardous materials handlers, seasonal operations, accounts with more than 25% part-time labor, and armed guard operations. What are the minimum premium requirements?Minimum premiums generally start at $75,000, with a higher minimum (typically $100,000) for trucking exposures. Final minimums can vary by state and underwriting assessment. What makes Novatae Risk Group different from other markets for high X-Mod business?Novatae Risk Group combines specialized underwriting for hard-to-place risks with access to an admitted A-rated carrier, payroll administration, and risk management services—helping agents place accounts that might otherwise be forced into residual markets. Need help placing an account? Connect with a market specialist.

...rarily off-line (storage, small warehouses) Coverage Highlights and Adva...ondos, storage buildings and light warehouses. Foreclosed or bank-owned proper...