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Comprehensive HO3 Homeowners Insurance from Southern Ins...ts online quoting and binding for this HO3 product to make placement faster an...

...creases to special limits under the HO3 form Optional water backup coverage ...pense, increased special limits on the HO3 form, and Ordinance or Law coverage...

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SIU Offers Competitive Building Owners Insurance Solutions for Standard and Non-Standard Risks Southern Insurance Underwriters, Inc. (SIU) provides independent agents and brokers access to a flexible, competitive Building Owners Insurance program. Designed for both standard and non-standard risks, this program includes a broad range of property and liability coverages for building owners across Alabama, Georgia, and South Carolina. SIU places business with multiple "A" rated carriers and can quote through admitted markets or access E&S capacity when accounts fall outside standard underwriting guidelines. Overview of the Program From Southern Insurance Underwriters SIU’s admitted Building Owners Insurance program is built for commercial and residential property owners who need comprehensive protection for their buildings and premises liability. Whether the account is a single-tenant retail space, a small office building, an apartment complex, or a mixed-use portfolio, SIU provides market access and underwriting support to help you bind coverage efficiently. Because SIU can place business in both admitted and surplus lines, agents can pursue accounts that meet traditional carrier guidelines as well as harder-to-place risks without opening multiple broker channels. Ideal Accounts and Appetite The program targets a range of commercial and habitational risks, including: Shopping centers and strip malls Office buildings (single- or multi-tenant) Apartment complexes and multi-family properties Mixed-use properties Vacant or partially occupied structures (placed via E&S markets) Typical fits include small to mid-size owners and portfolios that need broader property enhancements or more flexible terms than standard markets offer. Accounts with prior losses, unique construction, or partial vacancy can often be placed through SIU’s E&S relationships. Example: You might have a client who owns a 15,000 sq. ft. strip center seeking improved property limits and a property enhancement endorsement, or a landlord with a handful of small apartment buildings looking for combined property and general liability coverage — SIU can compete on both. Coverage Highlights and Advantages The Building Owners program provides a mix of core and optional coverages to tailor protection: Commercial Property (building, contents, business income) General Liability Crime Inland Marine for portable property Automobile coverage where applicable Excess or Umbrella liability options Property enhancement endorsement with 20+ additional coverages Coverage can be written through admitted markets for many accounts, with E&S available for higher-risk or non-standard situations. Importantly, the program does not use credit or insurance score rating, which can broaden placement options for some insureds. Underwriting Notes and Minimum Premiums SIU can place accounts up to $3 million Total Insured Value (TIV) without reinsurance; larger or more complex risks may be placed via E&S or specialty markets. Minimum premiums vary by carrier, line, and account characteristics; SIU works with agents to present competitive premium structures and to identify the best markets for each risk. Territories and Availability This Building Owners Insurance program is available in: Alabama (AL) Georgia (GA) South Carolina (SC) SIU’s regional focus in the Southeast means underwriters understand local exposures, construction profiles, and municipal differences—useful when placing regional portfolios or multi-location accounts. Why Work With Southern Insurance Underwriters? As a managing general agency with deep regional experience, SIU gives agents access to multiple "A" rated carriers and a responsive underwriting team. Their flexibility across admitted and E&S markets helps you keep business in-house rather than chasing multiple wholesalers. SIU supports submissions for new business and for accounts that have been non-renewed or declined elsewhere, offering practical solutions and endorsements to broaden protection. Contact Southern Insurance Underwriters today to discuss your next Building Owners Insurance opportunity. Frequently Asked Questions What types of accounts are a good fit for this Building Owners Insurance program?This program is ideal for commercial and residential property owners, including shopping centers, office buildings, apartment complexes, and mixed-use properties. Is this program available for risks that fall outside standard underwriting guidelines?Yes. SIU offers access to E&S markets for risks that do not meet admitted market guidelines, such as vacant buildings or properties with prior losses. Which states is this program available in?The Building Owners Insurance program is available in Alabama, Georgia, and South Carolina. Are property enhancement endorsements included?Yes. A property enhancement endorsement is available and includes over 20 additional coverages to broaden protection for your client’s assets. Do credit scores affect eligibility for coverage?No. This program does not use credit or insurance scoring in the underwriting process. Need help placing an account? Connect with a market specialist.

Protect foreclosed, bank-owned, and investment properties from vandalism, theft, natural disasters, and other hazards with Southern Insurance Underwriters, Inc. (SIU). As a Managing General Agency with access to multiple carriers, SIU provides tailored Bank-Owned Home Insurance solutions for properties in transition throughout AL, FL, GA, and SC. Overview of the Program From Southern Insurance Underwriters, Inc. SIU’s Bank-Owned Home Insurance program is built for agents placing coverage for lenders, banks, real estate investors, and property managers who need protection for vacant, foreclosed, or tenant-occupied residential properties. The program supports both single-location accounts and large portfolios, and it is designed to simplify administration while meeting lender and investor requirements. With flexible scheduling and multi-carrier access, SIU lets you consolidate vacant and occupied homes under one policy. That reduces administrative burden for clients who manage mixed-occupancy portfolios or scattered-site REO holdings across multiple states. Ideal Accounts and Appetite SIU is actively looking for: Bank-owned or foreclosed residential properties Vacant dwellings awaiting resale, renovation, or tenant placement Investment homes held by individual investors or corporate owners Mixed portfolios containing a combination of vacant and occupied locations Example fits: You might have a community bank that recently acquired several foreclosed homes across two states and needs a single policy to track status changes monthly. Or you could be working with a real estate investor who holds dozens of rental and vacant homes and wants per-location limits and umbrella options. Coverage Highlights and Advantages Bank-Owned Home Insurance Coverage Highlights: Policies may be issued in the name of a DBA, bank, or company Monthly reporting structure for dynamic property updates and earned premium adjustments Monthly earned premium applies for vacant dwellings Ability to combine vacant and occupied properties on a single schedule Commercial package options available, including General Liability and Property coverage Per-location aggregate limits available for large portfolios Umbrella coverage options to increase overall liability protection Flexible Scheduling Options Support for multi-state schedules Personal and commercial properties can be handled on the same schedule for easier account management Limits General Liability limits up to $1,000,000 per occurrence / $2,000,000 aggregate No fixed maximum policy limit—contact underwriting for large or complex portfolios Underwriting Notes and Minimum Premiums Minimum premiums and specific underwriting terms vary by property type, occupancy status, and location. SIU’s underwriting team partners with agents to evaluate risk and structure policies that match a client’s portfolio. The monthly reporting model helps keep premiums aligned with actual exposure as properties move from vacant to occupied or vice versa. Territories and Availability This program is available in the following states: Alabama (AL) Florida (FL) Georgia (GA) South Carolina (SC) Most markets are available on an admitted basis; contact SIU underwriting for state-specific admitted/non-admitted details. Why Work With Southern Insurance Underwriters, Inc.? SIU brings decades of regional experience and strong carrier relationships that help agents place complex bank-owned and investment property risks. Their underwriting team is responsive and experienced with multi-state schedules, monthly reporting, and mixed-occupancy portfolios—making it easier for you to scale coverage as your client’s inventory changes. If you need help placing an account, connect with a market specialist through the quote link below to discuss appetite, minimums, and submission requirements. Frequently Asked Questions What types of accounts are a good fit for this program?Ideal accounts include bank-owned homes, foreclosed properties, vacant dwellings, and real estate investment portfolios with mixed occupancy. Can I combine vacant and occupied properties under one policy?Yes. This program allows both vacant and occupied properties to be placed on a single policy and schedule for easier administration. Is this program available in multiple states?Yes. The program supports multi-state schedules and is currently available in AL, FL, GA, and SC. What coverage limits are offered?General Liability up to $1 million per occurrence / $2 million aggregate is available. There is no set maximum policy limit—contact underwriting for large portfolios. Who can be named on the policy?The policy can be issued in the name of a DBA, bank, or company, depending on your client’s ownership structure. Need help placing an account? Connect with a market specialist.

Overview — MacNeill Group Inc. Home Property Insurance As a homeowner anything can happen — from accidental property damage to natural catastrophes. MacNeill Group Inc. offers a flexible Home Property Insurance program designed for independent agents and brokers to place homeowners accounts with tailored coverage options. Our program lets you build a package around each insured’s needs so they aren’t left uninsured for exposures they didn’t expect. Homeowners property insurance is most valuable for losses outside a homeowner’s control. Prepared clients recover faster and face fewer financial gaps after a loss. With MacNeill Group’s Home Property Insurance you can include coverages such as theft/theft damage, personal liability, windstorm damage, property damage and more. Policies should be based on the cost to repair or rebuild the home (replacement cost), not the market resale value — and our program supports limits and endorsements that reflect that approach. Program Highlights: Available forms - HO-3, HO-4, HO-6 and HO-8 Up to $1MM in TIV coverage HO-3 form available for Course of Construction / Builders Risk Wind coverage Extended replacement cost Homes in PC-9 or PC-10 territories Identity/fraud coverage Assessment loss coverage Overflow coverage and water backup Liability coverage for rental properties Personal injury coverage Builders risk for course of construction Our program also has Specialized Risks such as: Prior declinations accepted Purchase/renewal submissions Accounts with prior losses considered Good condition homes with lower reconstruction value Higher-value homes and valuables Distressed market homes Ideal Accounts and Appetite This program is a fit when you need flexible property forms and endorsements, including risks that standard carriers often decline. Typical accounts include: Primary homeowners seeking broad HO-3 or condo unitowners HO-6 protection; Clients buying or renovating homes where builders risk/course-of-construction coverage is needed; Owner-occupied or small rental properties that need liability and water-backup/overflow protection; Higher-value residences or lower-value homes in good condition that require tailored limits up to $1M TIV; Properties in tougher wind/hurricane territories (PC-9/PC-10) where wind coverage is required. Coverage Advantages and Service MacNeill Group’s underwriting emphasizes practical, customizable solutions rather than one-size-fits-all packages. Key advantages for you and your clients: Form flexibility (HO-3 / HO-4 / HO-6 / HO-8) plus builders risk options; Available endorsements for identity/fraud, assessment loss, water backup and overflow; Capacity up to $1M TIV and willingness to consider accounts with prior declinations or losses; Liability options that cover rental exposures and personal injury losses; Responsive underwriting from an MGA that works with various carriers to place unusual or borderline risks. Underwriting Notes and Minimum Premiums Underwriting looks at construction, proximity to coastal/wind exposures, prior loss history and the accuracy of replacement cost valuations. Minimum premium varies by risk and carrier; please submit details for an indication. MacNeill Group evaluates each submission on its individual merits and can consider accounts declined elsewhere. Territories, Admitted Status and Availability This program is placed by MacNeill Group Inc., a Managing General Agency, and is currently available in FL. The product is positioned on a non-admitted basis; confirm state placement options and regulatory requirements for each submission. Why Work With MacNeill Group Inc. MacNeill Group combines targeted homeowners appetite with flexible forms and practical endorsements. For agents this means better placement options for complex homeowners risks, quicker access to specialized endorsements, and an underwriting partner willing to review accounts that need exceptions or higher limits. You can rely on MacNeill Group when a client needs tailored protection beyond standard market offerings. Please contact us if you would like a quote or additional information about MacNeill Group’s Home Property Insurance program. Frequently Asked Questions What types of homeowners accounts are the best fit for this program?Accounts that need flexible forms (HO-3/HO-4/HO-6/HO-8), builders risk for course of construction, higher limits up to $1M TIV, or specialized endorsements (identity/fraud, water backup, assessment loss). We also consider properties with prior declinations or prior losses. Is this program admitted in any states?The program is positioned on a non-admitted basis and is currently available for placement in Florida. Confirm availability and any state-specific filing requirements on submission. How should I report values on submissions?Provide accurate replacement cost or estimated rebuild cost rather than market value. Underwriting reviews construction details, age, and mitigation measures to determine appropriate limits and endorsements. Are rental properties eligible?Yes. The program offers liability coverage options for small rental properties and owner-occupied rentals. Provide occupancy details and tenant information for proper liability evaluation. What information speeds placement?Include property construction type, age, full replacement cost estimate, prior loss history, occupancy/use, and any prior declinations. Photos and current inspection reports help expedite underwriting. Need help placing an account? Connect with a market specialist.

Overview — Southern Insurance Underwriters: High Value Home Insurance Southern Insurance Underwriters, Inc. (SIU) offers a dedicated High Value Home Insurance program designed for agents placing complex personal property and high-net-worth homeowners in AL, FL, GA and SC. As an experienced managing general agency, SIU brings access to multiple “A”-rated markets and tailored underwriting for homes with higher limits, unique exposures, or non-standard characteristics. Program at a Glance Program name: High Value Home Insurance Coverage limits: $250,000 and up Provider type: Managing General Agency Carriers: Varies — access to multiple “A”-rated markets Admitted status: Most available markets (varies by carrier and state) Territory: Alabama, Florida, Georgia, South Carolina Ideal Accounts and Appetite SIU’s High Value Home Insurance is aimed at independent agents who need markets for higher-limit dwellings and homes with moderate to higher risk characteristics. The program is a good fit for: Coastal properties and second homes Older homes that have been updated or restored Properties with prior losses or credit issues Homes with pools (including unfenced pools) and other attractive nuisances Locations that may be vacant for short periods or used seasonally Homes with dogs of breeds often declined elsewhere Coverage Highlights and Advantages SIU places high-value exposures with flexible limits and competitive pricing through multiple admitted and non-admitted markets. Key advantages include: Tailored quotes for high-profile and high-net-worth clients Access to excess and umbrella capacity for layered liability protection Optional stand-alone coverages for valuables and specialty exposures Competitive terms from multiple “A”-rated markets to help you bind complex risks Available Supplemental Coverages Stand-alone Personal Umbrella Excess Umbrella layers Stand-alone Liability Personal Article Floaters for jewelry, art, collectibles Flood and Excess Flood options Builder’s Risk for renovation or reconstruction projects Underwriting Notes and Minimum Premiums Underwriting is risk-specific. SIU evaluates exposures such as construction type, proximity to water, claims history, security and fire protection, occupancy and dogs. Typical documentation requested includes recent inspection photos, schedule of valuables, loss history, and details on security/fire systems. Minimum premiums and exact admitted/non-admitted placement depend on carrier and state. Minimum premium: Varies. Submit or contact SIU with full details for a tailored quote rather than relying on broad assumptions. Territories and Availability This program is available in: Alabama (AL), Florida (FL), Georgia (GA) and South Carolina (SC). Admitted availability and market appetite may differ by state and by carrier; SIU will identify the most appropriate admitted or surplus market for each submission. Why Place High Value Home Risks with SIU? As a managing general agency focused on complex personal lines, SIU offers agents: Direct access to multiple underwriters experienced with high value homes Flexible placement options (admitted and non-admitted where appropriate) Quick, tailored responses for unique exposures and high profile clients A single point of contact for layering property, liability and specialty coverages Example scenarios where SIU can help: you may have a coastal vacation home with an older but updated structure and a prior loss, or a high-value primary residence with substantial jewelry and an unfenced pool. SIU can evaluate those risks and provide a combination of property, floater and umbrella solutions to fit the account. Bring your high value, high risk insureds to SIU and let us work the markets to find the best placement. Frequently Asked Questions What types of accounts are a good fit for SIU’s High Value Home Insurance?Accounts with dwelling limits of $250,000 and above that have complex exposures — for example, coastal properties, older updated homes, secondary residences, properties with prior losses, or homes with valuable personal property — are a strong fit. Which states accept this program?The program is available in Alabama, Florida, Georgia and South Carolina. Specific admitted/non-admitted placement will depend on the carrier and the individual risk. What supplemental coverages can SIU place with a high value home policy?SIU can arrange stand-alone personal umbrellas, excess umbrella layers, stand-alone liability, personal article floaters, flood and excess flood coverage, and builder’s risk where needed. How do I submit a risk and what documentation will underwriters request?Submit a complete application with current photos, loss history, schedule of valuables, and details on security and fire protection. SIU underwriters may request additional inspections or reports depending on the exposure. Need help placing an account? Connect with a market specialist.

Southern Insurance Underwriters, Inc. (SIU) specializes in providing tailored Garage Insurance solutions for a wide range of garage-related businesses. With deep industry knowledge and access to multiple markets, SIU helps independent agents place hard-to-fit and standard garage accounts across Alabama, Florida, Georgia, and South Carolina. Ideal Accounts and Appetite SIU has a broad appetite for both dealer and non-dealer garage risks. Whether your client sells vehicles or provides repair and maintenance services, SIU offers flexible coverage options suited to their specific operations. Recent successful placements include: Diesel bus maintenance shop Used car dealer with on-lot inventory Tire retail and automotive repair shop Mobile truck and trailer repair service Dealer Risks: Coverage available for: Used car dealerships ATV dealerships Motorcycle dealerships Non-Dealer Risks: Appetite includes: Heavy truck repair shops Mobile repair operations Detailers (including mobile units) General automotive repair shops Body and collision repair shops Muffler and exhaust service providers Car audio and electronics installers Coverage Highlights and Advantages SIU’s Garage Insurance program offers broad protection to address the unique exposures of garage operations. Available coverages may include Garage Liability, Garagekeepers Legal Liability, Dealers Physical Damage, and more—depending on the specific risk and carrier. The program is designed to help agents place accounts that may not fit standard markets or require specialized underwriting due to mobile operations, heavy equipment, or unconventional services. Underwriting Notes and Minimum Premiums Minimum premiums vary by account and carrier. SIU works closely with agents to evaluate each submission and find a market that aligns with the risk profile. Submissions with complete information and clear risk details are prioritized for faster turnaround. Territories and Availability The Garage Insurance program is available in the following states: Alabama Florida Georgia South Carolina Most available markets are non-admitted, allowing for flexibility in underwriting and coverage design. Carrier availability may vary. Why Work With Southern Insurance Underwriters, Inc.? As a trusted Managing General Agency, SIU brings decades of experience and a strong network of markets to help agents grow their commercial transportation and garage business. Their dedicated Commercial Transportation Department understands the complexities of garage risks and delivers responsive service, competitive solutions, and a collaborative approach to underwriting. Whether you're placing a used car dealership with inventory or a mobile repairer servicing fleet vehicles, SIU can help you find the right fit. Contact SIU's Commercial Transportation Department today to learn more about available Garage Insurance options and how to get started. Frequently Asked Questions What types of accounts are a good fit for SIU's Garage Insurance program?SIU targets both dealer and non-dealer garage operations, including used car dealers, mobile repairers, truck repair shops, tire and muffler shops, and auto detailers. In which states is this program available?The program is currently available in Alabama, Florida, Georgia, and South Carolina. Are both admitted and non-admitted markets available?Most available markets are non-admitted, offering flexibility in underwriting and coverage terms depending on the risk. What is the minimum premium for this program?Minimum premiums vary by carrier and risk details. SIU evaluates each account individually to determine eligibility and pricing. What information is needed to submit a garage risk?Complete applications should include business type, ownership structure, vehicle schedules, loss history, and detailed descriptions of operations and services offered. Need help placing an account? Connect with a market specialist.

Southern Insurance Underwriters, Inc. (SIU), in partnership with Safeway Insurance Group, offers a competitive Personal Auto Insurance program built for independent agents placing business in Georgia. This non-admitted program gives agents flexible underwriting, practical billing options, and bilingual support to help you place everyday drivers and harder-to-place risks that may not qualify for standard market coverage. SIU’s program is designed to deliver reliable personal auto solutions for a broad spectrum of insureds — from typical drivers to higher-risk or underserved segments. The product emphasizes straightforward submission guidelines, responsive underwriting, and competitive full-coverage pricing so you can close more business quickly. Ideal Accounts and Appetite This program is a strong fit for personal auto clients in Georgia who need coverage outside strict admitted-market guidelines. Typical appetites include: Older vehicles — accepted up to 35 years old Drivers with international or foreign licenses Applicants with limited prior insurance or imperfect driving records Clients who need low down-payment or flexible billing arrangements Accounts that routinely place well here are those that struggle with underwriting or billing requirements in the standard market. SIU is focused on finding solutions rather than immediately declining marginal risks. Coverage Highlights and Advantages SIU’s Personal Auto Insurance program provides several agent-friendly features: Direct Bill option with only 16.7% down — no EFT required Agency Bill available with a 20% down payment option Competitive rates and consideration for drivers with international licenses Bilingual (English/Spanish) underwriting support to assist Spanish-speaking insureds Flexible coverage for older vehicles and other non-standard risk characteristics These benefits let you offer affordable, practical auto protection to a wider client base while preserving service quality and turnaround. Underwriting Notes and Minimum Premiums Underwriting focuses on practical solutions for non-standard personal auto exposures. Minimum premiums vary by risk characteristics and billing method; use the program’s quoting tools and reach out to underwriting for exact minimums for a specific submission. SIU underwriters are available to discuss marginal risks and help structure coverage to fit your client’s needs. Territories and Availability This Personal Auto Insurance program is available exclusively in the state of Georgia and operates as a non-admitted market through SIU and Safeway Insurance Group. Why Work With SIU on Personal Auto Business? Southern Insurance Underwriters, Inc. is a managing general agency with deep experience in the non-standard personal auto space. By partnering with Safeway Insurance Group, SIU provides a stable market and responsive service for agents who need options beyond admitted carriers. Their bilingual underwriting support, flexible billing choices, and willingness to consider older vehicles and international drivers make SIU a practical market for agents expanding or protecting their personal lines book. Frequently Asked Questions What types of accounts are a good fit for this program?This program works well for personal auto clients in Georgia who need coverage for older vehicles, have international licenses, or fall outside standard underwriting guidelines. Is this program available outside of Georgia?No, the Personal Auto Insurance program offered through SIU and Safeway is currently only available in the state of Georgia. Are there flexible billing options for insureds?Yes, the program offers both Direct Bill (16.7% down, no EFT required) and Agency Bill (20% down) options to accommodate different client needs. Can I place business for drivers with international licenses?Yes, the program accepts drivers with international licenses and offers reduced rates for this class of insureds. Who underwrites this program?This Personal Auto Insurance program is underwritten by Safeway Insurance Group and managed by Southern Insurance Underwriters, Inc. Need help placing an account? Connect with a market specialist.

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. Frequently Asked Questions What types of accounts are a good fit for SIU’s Professional Insurance program?Small to mid-sized professional service firms such as architects, engineers, technology and media companies, nonprofits and organizations needing D&O/EPL protection are ideal. SIU evaluates each account for revenue, exposure and prior loss history to find the right carrier fit. Does SIU offer admitted paper?Yes. SIU places business in both admitted and non-admitted markets depending on state availability and carrier appetite. The program is listed as Most Available Markets and placement will depend on the account and jurisdiction. What limits and capacity are available?Coverage capacity varies by carrier but SIU’s Professional program can provide limits up to $5 million in many cases. Exact limits depend on the class, exposure and underwriting review. What do underwriters typically need for a submission?Include a completed ACORD application, current loss runs (usually 5 years if available), revenue figures, a description of professional services performed, and any standard contracts. Additional items like resumes or risk management procedures may help obtain favorable terms. Are minimum premiums published?Minimum premiums vary by carrier, state and coverage. Indicate expected premium or budget on the submission and SIU will route the account to the appropriate market and advise on minimums. Need help placing an account? Connect with a market specialist.