Overview of the Program from Southern Insurance Underwriters, Inc.
Southern Insurance Underwriters, Inc. (SIU) offers a dedicated Professional Insurance program designed for agents and brokers placing professional lines business across the Southeast. As an experienced managing general agency, SIU provides access to admitted and non-admitted options (listed as Most Available Markets), flexible limits — including capacity up to $5 million — and a broad appetite for common professional classes.
Ideal Accounts and Appetite
This program targets small to mid-sized professional and business services accounts that need professional liability and management liability solutions. Typical fits include:
- Architects, engineers and design professionals (E&O)
- Healthcare-related professional services (non-physician providers)
- Technology and media firms (errors & omissions, media liability)
- Private and public company directors & officers and non-profit boards (D&O)
- Organizations concerned about employment practices liabilities (EPL)
Accounts that often place well through SIU are those with clear risk management, limited past claim activity, and revenues or exposures consistent with admitted or non-admitted program guidelines. Larger, complex national litigants or organizations with extensive prior professional liability losses may require specialty markets outside this program.
Coverage Highlights and Advantages
Southern Insurance Underwriters combines broad coverage options with competitive capacity and flexible placement choices. Key offerings include:
- Primary Professional Liability (E&O) — for a wide range of service providers
- Directors & Officers — including non-profit D&O forms
- Employment Practices Liability — defense and liability for workplace claims
- Media Liability — libel, slander and advertising injury exposures
- Excess Professional Liability and General Liability follow forms available in many cases
- Optional coverages such as sexual misconduct/abuse and hired/non-owned auto where appropriate
- Admitted and non-admitted placement options depending on state and appetite
Capacity varies by carrier, with program structures that can accommodate higher limits — up to $5 million in many situations — subject to underwriting.
Underwriting Notes and Minimum Premiums
Underwriting is class-specific and driven by exposure, revenues, prior loss history and contract terms. SIU evaluates each risk to match the appropriate carrier appetite and form. Minimum premium requirements vary by carrier and state; please indicate premium expectations on submissions so underwriters can respond with the correct placement option.
Territories and Availability
This Professional Insurance program is available in Alabama, Florida, Georgia and South Carolina, with additional markets listed as Most Available Markets depending on the carrier and state rules. Admitted vs. non-admitted options will depend on the state, the class of business and specific carrier availability.
Why Work with Southern Insurance Underwriters, Inc.?
As an MGA focused on professional lines, SIU brings targeted underwriting expertise, flexible placement paths (admitted and non-admitted), and access to multiple carriers. Agents benefit from:
- Program capacity for higher limits up to $5 million
- Broad coverage options for common professional risks
- Professional underwriting that considers industry nuances and contract language
- Multiple market options — carriers vary by submission
Example accounts you might place
- A regional architecture firm seeking $1M/$2M E&O limits for design exposures and project-based contracts.
- A nonprofit organization needing D&O protection for its board and volunteers, with options for admitted placements where available.
- A small media production company requiring media liability and E&O combined limits for content creation and distribution.
For specific submissions, include an ACORD application, current loss runs, professional resumes or CVs (if relevant), and any standard contracts that create liability exposure. SIU’s underwriting team will review coverage needs and identify the best admitted or non-admitted pairing for the account.