Ideal Accounts and Appetite
SIU’s Umbrella Insurance program is built to serve clients with higher liability exposures across various industries. The program targets a wide array of commercial classes, including but not limited to:
- Manufacturers, Importers, and Distributors
- Construction and Contractors
- Transportation (Trucking, Public Transit, Delivery Fleets)
- Real Estate (Habitational, Hospitality, Commercial Buildings)
- Restaurants and Bars (including liquor liability)
- Stand-alone Excess Auto Liability risks
- Special Events, Schools, and Daycare Operations
- Short-Term or Project-Specific Policies
- Auto-Related Services (e.g., Towing, Sand & Gravel Hauling, Waste Removal)
- Municipalities and Public Entities
- Garage Liability Accounts
- Retail and Wholesale Operations
If you have a client operating a regional trucking company, or a hospitality group with multiple hotel properties, SIU can help you secure the umbrella coverage needed to protect against catastrophic losses beyond primary policy limits.
Coverage Highlights and Advantages
SIU specializes in providing high-limit capacity through layered excess placements, tailored to each insured’s needs. Whether your client requires simple excess coverage or a complex tower structure, SIU has the relationships and underwriting capabilities to deliver. Program features include:
- Limits available in excess of $100,000,000
- Access to both Admitted and Non-Admitted markets
- Flexible policy structures, including stand-alone and project-specific options
- Coverage available for liquor liability and auto-related exposures
Underwriting Notes and Minimum Premiums
To qualify for umbrella or excess liability coverage, insureds must meet the following minimum underlying limits:
- General Liability: $1,000,000 per occurrence / $2,000,000 aggregate
- Automobile Liability: $1,000,000
- Employers Liability: $100,000 / $500,000 / $100,000 (higher limits may apply to certain classes)
Minimum premiums vary depending on the risk class, limit requirements, and structure of the underlying policies. SIU offers flexible underwriting to meet the needs of both standard and hard-to-place accounts.
Territories and Availability
This Umbrella Insurance program is available to agents and brokers with risks located in Alabama, Florida, Georgia, and South Carolina. With market access spanning both Admitted and Non-Admitted options, SIU can help you place business across a broad spectrum of client needs in these states.
Why Work With Southern Insurance Underwriters
As a trusted Managing General Agency, Southern Insurance Underwriters, Inc. brings decades of experience, deep carrier relationships, and specialized knowledge to the table. Their Umbrella Insurance program is supported by a responsive underwriting team capable of handling everything from straightforward placements to complex, multi-layered excess towers. Whether you’re working with a large real estate portfolio or a niche transportation account, SIU provides the tools and expertise to help you deliver the right coverage solution to your clients.
Frequently Asked Questions
What types of accounts are a good fit for this Umbrella program?
Ideal accounts include manufacturing, construction, transportation, real estate, hospitality, and other industries with elevated liability exposures. SIU can also handle municipal, garage, and special event risks.
Is coverage available for liquor liability or auto-related risks?
Yes. SIU offers umbrella and excess liability coverage that can include liquor liability, as well as auto-related operations like towing or trucking, subject to underwriting.
Can this program handle large limit requests?
Absolutely. SIU has the ability to structure layered placements with limits exceeding $100,000,000, depending on the underlying coverage and risk profile.
Do you offer stand-alone excess auto liability?
Yes, stand-alone excess auto liability is available for qualifying risks, including fleets and delivery operations.
What states is this program available in?
This Umbrella Insurance program is available in Alabama, Florida, Georgia, and South Carolina.
Need help placing an account? Connect with a market specialist.