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Check out Southern Insurance Underwriters, Inc.'s admitted and E&S markets for Lessor Risk Insurance! Southern Insurance Underwriters, Inc. (SIU) offers a flexible admitted program for Lessor Risk Insurance designed for agents who need broad, A-rated market access and practical underwriting solutions. SIU places General Liability, Property, Crime, Inland Marine and Automobile coverage for a wide range of lessor exposures. Both Standard and Non-Standard placement options are available — and SIU can provide quotes on most risks you have the opportunity to write. Overview of the Program From Southern Insurance Underwriters, Inc. This program is delivered by SIU as a managing general agency with access to multiple "A" rated carriers. It is intended to protect lessors from third-party liability, physical damage to owned property and leased equipment, crime and inland marine exposures tied to leased property, and automobile liability where applicable. SIU emphasizes practical, market-driven solutions for agents placing small to mid-sized lessor portfolios across AL, GA and SC. Ideal Accounts and Appetite Commercial property lessors and landlords (retail strips, small office buildings, industrial units) Equipment lessors and specialty leasing operations that need Inland Marine and Property protection Vehicle leasing and fleet lessors looking for Auto and Liability packages Storage and self-storage operators where tenant property exposures and crime coverage are concerns Typical fits are accounts with straightforward lease documentation, clear loss control practices and total insured values within program guidelines. SIU can also consider non-standard or higher-risk placements through E&S markets when risks fall outside company underwriting limits. Coverage Highlights and Advantages Access to multiple "A" rated carriers for admitted placements Coverage lines available: General Liability, Property, Crime, Inland Marine, Automobile Up to $3 million in Total Insured Value (TIV) without reinsurance — larger programs considered via reinsurance or E&S Property enhancement endorsement offering 20+ additional coverages to tailor protection Not credit or insurance scored — simplifies qualifying smaller or specialty lessors Excess and Umbrella capacity available to broaden limits Underwriting Notes and Minimum Premiums Admitted placements are available where state rules and carrier appetite permit; E&S is used for risks outside those guidelines. Underwriting is risk-specific — minimum premium and final terms vary by carrier, line of coverage and the individual account. Common submission items include lease schedules, loss runs, property values and basic risk control information. Territories and Availability This program is available in AL, GA and SC. SIU positions most business in admitted markets when possible and will access E&S markets for risks that require non-admitted placement or exceed admitted company limits. Why Work With Southern Insurance Underwriters, Inc. on Lessor Risk Insurance Wholesale MGA model gives agents fast access to multiple A-rated admitted markets and E&S solutions. Program flexibility — combination property, liability and inland marine placements tailored to lessor exposures. Experienced underwriting focused on practical, marketable solutions for independent agents. Example scenarios You might have a client who owns several small retail storefronts and needs a combined package for building property, general liability and crime coverage — this program can quote admitted coverage and add excess limits when needed. Or you might place an equipment lessor with $2M in leased assets that needs inland marine plus liability; SIU can consider that account within the $3M TIV guideline or refer to E&S for larger portfolios. Frequently Asked Questions What types of lessor accounts are a good fit for this program?Commercial property owners/landlords, equipment lessors, vehicle leasing operations and small storage operators are core fits. The program works best for accounts with clear lease schedules, standard occupancy types and documented loss control. Is coverage admitted or non-admitted?SIU places most business in admitted markets where available. E&S markets are used for risks outside admitted carrier guidelines or when a non-admitted solution is necessary. What is the Total Insured Value (TIV) limit before reinsurance is needed?SIU will consider up to $3 million in TIV without reinsurance. Larger TIVs may be handled with reinsurance or placed through E&S, depending on the account. What submission information do I need to get a quote?Provide a lease schedule or list of locations/assets, recent loss runs, property values and a summary of operations. Additional details may be requested depending on the lines you need (auto schedules, inland marine schedules, etc.). Are enhancements like excess limits and endorsements available?Yes. The program offers property enhancement endorsements (20+ additional coverages) and excess/umbrella capacity to help tailor limits and coverage to client needs. 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.

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.

Our Homeowners Insurance Market Specializes in: Prior losses (up to 3) Prior declinations Higher-value homes Lower-value homes in good condition No prior insurance New purchases Homes in distressed markets Homeowners Insurance Coverage Features Personal property Comprehensive personal liability Medical payments Other structure coverage Loss of use HO-3, HO-4, HO-6 and HO-8 forms available Also Available Extended replacement cost Identity fraud coverage Water back-up and sump discharge/overflow Extended liability for rental properties or a secondary residence Builder’s Risk / Course of Construction In-home business coverage Personal injury Loss assessment Our philosophy at J.M. Wilson is Customers First. J.M. Wilson Corp. provides independent agents with access to specialty personal lines markets for homeowners risks that are difficult to place in standard markets. Our Homeowners Insurance program combines broad form options, endorsement flexibility, and relationships with both admitted and non-admitted carriers to help you find a solution for challenging accounts. What sets our personal lines team apart: Fast turnaround — 24-hour quote service and often same-day responses Direct billing is available on many personal lines accounts Knowledgeable underwriters who provide online rating, phone quotes, coverage guidance, and financing quotes when needed Accounts where the team currently finds success include dwelling/fire, homeowners (including high-value homes), personal inland marine (contents in mini-storage), personal umbrella (including higher-risk drivers), and in-home business risks. All J.M. Wilson personal lines markets are A-rated carriers or panel partners. Ideal Accounts and Appetite We are well suited for accounts with non-standard characteristics that still demonstrate manageable risk. Typical fits include: Properties with a few prior losses (three or fewer) Homes previously declined by standard markets Higher-value and custom homes needing broader limits or endorsements Lower-value homes that are well maintained New purchases and properties in distressed markets Coverage Highlights and Advantages Multiple form options (HO-3, HO-4, HO-6, HO-8) Optional extended replacement cost and other endorsements to protect rebuilding cost exposure Liability extensions including personal injury and expanded limits for rental/secondary residences Flood-excluded homeowners package with water back-up and identity fraud available as add-ons Builder’s Risk and in-home business coverages to support a wide range of exposures Underwriting Notes Underwriters evaluate accounts for condition, loss history, occupancy, and local market factors. We commonly place risks that standard carriers decline, but risks with active, frequent losses or significant deferred maintenance may not qualify. You can expect: Quick quote response—often within 24 hours Phone or online rating options for many programs Flexible billing options, including direct bill on eligible policies Territories and Market Placement Available in: AL, AR, GA, IL, IN, IA, KS, KY, MI, MS, MO, NE, NC, OH, OK, PA, SC, TN, VA, WV, WI. J.M. Wilson places business with a mix of admitted and non-admitted carriers depending on the risk characteristics and the coverage needed. Why Work With J.M. Wilson Corp. for Homeowners Insurance As a Managing General Agency and E&S broker, J.M. Wilson combines specialty market access with hands-on underwriting support. We prioritize customer service and quick, practical solutions so you can place difficult homeowners accounts with confidence. Example scenarios you might place with us: A recently purchased high-value home where the buyer needs extended replacement cost and higher liability limits after their standard carrier declined because of unique construction features. An older rental property in a distressed market with a limited loss history and no prior insurance — the property is well maintained and needs a dwelling/fire policy with loss assessment coverage. For questions about appetite, submission requirements, or online rating access, our underwriters are available to assist you with quick quotes and coverage guidance. Frequently Asked Questions What types of homeowners accounts are a good fit for J.M. Wilson's program?Accounts that are non-standard but demonstrably insurable: higher-value homes, properties with up to three prior losses, homes previously declined by standard markets, new purchases, and lower-value homes in good condition. Rental and in-home business risks can also fit with the appropriate endorsements. Which states do you write homeowners coverage in?We currently place homeowners business in AL, AR, GA, IL, IN, IA, KS, KY, MI, MS, MO, NE, NC, OH, OK, PA, SC, TN, VA, WV, and WI. Availability can vary by carrier and specific risk characteristics. Are your markets admitted or non-admitted?J.M. Wilson works with a mix of admitted and non-admitted carriers. We select the appropriate market based on the risk profile and coverage needs, and we will advise you on placement options during underwriting. How quickly can I get a quote?Our target is a 24-hour turnaround on most homeowners quotes, and many requests receive same-day responses. Phone quotes and online rating are available for eligible submissions. Need help placing an account? Connect with a market specialist.

Atlantic Specialty Lines, Inc. offers insurance agents and brokers access to top-tier Personal Umbrella Insurance and Excess Umbrella Insurance markets through an "A++" rated carrier. Whether your client is preferred, standard, high-risk, or has unique exposures such as a DUI or celebrity status, we have tailored solutions with limits up to $5 million or $10 million available in both standard and non-standard markets. Ideal Accounts and Appetite Our broad underwriting appetite includes a wide range of personal clients, such as: Preferred and standard homeowners with clean driving records High-risk individuals with prior violations or DUIs High-net-worth individuals and celebrities Owners of multiple properties or recreational vehicles Small farm and rural clients You can confidently place accounts that require higher liability limits or have more complex personal risk profiles. Coverage Highlights and Advantages Limits up to $10 million available for both primary and excess umbrella Excess UM/UIM included on every quote Coverage includes defense costs outside the limits Pre- and post-judgment interest included No schedule of underlying insurance required No annual aggregate limits Coverage for volunteer activities and host liquor liability Prescription drug liability considered Identity theft resolution services included at no cost Optional direct bill available for added convenience Quick and Easy Quoting You can receive instant online quotes via www.Simple-Rates.com or call us at 1-877-SMPL-R8S for a telephone quote. Our streamlined process helps you secure coverage efficiently for your clients. Territories and Availability This program is available in most states across the Eastern and Midwestern U.S., including: CT, DE, FL, GA, IL, IN, KY, ME, MD, MA, NH, NJ, NY, NC, OH, PA, RI, SC, TN, VT, VA, and DC. Most offerings are on an admitted basis, depending on the state. Why Work With Atlantic Specialty Lines? As an experienced Excess & Surplus Lines Broker, Atlantic Specialty Lines, Inc. offers responsive service, access to an "A++" rated carrier, and flexible solutions for hard-to-place and standard personal umbrella risks. Our team understands the challenges agents face in placing umbrella coverage for a wide range of clients—from everyday families to high-profile individuals. The DIFFERENCE IS CLEAR, see it for yourself! Frequently Asked Questions What types of accounts are a good fit for this Personal Umbrella program?This program is ideal for both standard and high-risk personal lines clients, including those with multiple homes, recreational vehicles, past driving violations, or high public profiles. What coverage limits are available?You can access umbrella and excess umbrella limits up to $10 million, with flexibility based on your client’s risk profile and underlying coverage. Is coverage available in my state?This program is available in most Eastern and Midwestern states, including FL, GA, NY, PA, VA, and others. Contact us for specific state availability. Do I need to provide a schedule of underlying policies?No, a schedule of underlying insurance is not required, simplifying the submission and quoting process. How fast can I get a quote?Quotes are available instantly online through www.Simple-Rates.com or by phone, allowing you to quickly serve your clients’ needs. Need help placing an account? Connect with a market specialist.

Where most companies struggle to place this class, SIU protects Convenience Stores at competitive rates! Southern Insurance Underwriters, Inc. (SIU) offers a flexible and competitive Convenience Store Insurance program designed for a wide range of risks, including locations with or without gas sales. As a trusted Managing General Agency (MGA), SIU delivers access to both admitted and non-admitted markets through multiple “A” rated carriers, giving agents and brokers confidence when placing challenging accounts. Overview of the Program From Southern Insurance Underwriters Our exclusive standard lines market allows you to place convenience store accounts that meet underwriting guidelines with comprehensive package options. Whether your client operates a single neighborhood store or a multi-location operation with gas pumps and food service, SIU can help you secure broad coverage with fast turnaround times and competitive pricing. Ideal Accounts and Appetite We actively write a variety of convenience store classes, including: Convenience Stores with or without Gas Sales Locations with Cooking on Premises (with appropriate suppression systems) Stores with Automated Car Wash Exposure Lessor’s Risk with Convenience Store Tenants We can accommodate both standard and non-standard risks, making this program ideal for agents working with diverse clientele. For cooking operations, UL-300 Certified Automatic Fire Suppression Systems with active service contracts are required. Coverage Highlights and Advantages SIU provides robust coverage options tailored to convenience store exposures, including: Commercial General Liability Commercial Property Crime, Sign, Glass, Spoilage, and more Liquor Liability (available) Equipment Breakdown Coverage Property Enhancement Endorsements with 20+ Additional Coverages These coverages are designed to protect against common risks such as theft, fire, equipment failure, and customer liability exposures—critical for businesses handling fuel, food, and 24/7 operations. Underwriting Notes and Minimum Premiums Minimum premiums vary based on risk characteristics, location, and selected coverage. Our underwriting team works closely with agents to evaluate each submission on its merits. We welcome hard-to-place accounts and offer flexibility through both standard and non-standard markets. Territories and Availability This Convenience Store Insurance program is currently available in Alabama, Georgia, and South Carolina. SIU is well-versed in the regional exposures and coverage requirements within these states, helping agents place business efficiently and compliantly. Why Work With Southern Insurance Underwriters, Inc.? With decades of experience and a strong carrier network, SIU delivers value through underwriting expertise, market access, and responsive service. We understand the unique challenges of insuring convenience stores and provide tailored solutions that help agents grow and retain this niche book of business. Whether your client owns a rural store with gas pumps or a city location with prepared foods and liquor sales, SIU offers a dependable market to help you protect their operations. Frequently Asked Questions What types of accounts are a good fit for this program?Convenience stores with or without gas sales, locations with food preparation (meeting fire suppression requirements), automated car washes, and lessor’s risk exposures with convenience store tenants are all eligible. Is Liquor Liability included in the coverage?Liquor Liability is available as an optional coverage for qualifying risks. Please submit full details for underwriting review. What are the underwriting requirements for stores with cooking operations?Cooking surfaces must be fully protected by a UL-300 Certified Automatic Fire Suppression System with a current service contract in place. Which states is this program available in?This program is currently offered in Alabama, Georgia, and South Carolina. Can you place higher-risk or non-standard convenience store operations?Yes, SIU offers access to both standard and non-standard markets, allowing us to consider a broad range of risk profiles. Need help placing an account? Connect with a market specialist.

Get on board with Southern Insurance Underwriters, Inc. (SIU) and grow your Bus Insurance book with access to competitive markets and responsive underwriting support from our Commercial Transportation team. SIU provides agents and brokers a reliable option for placing a range of commercial passenger-transport risks. Our Bus Insurance program is designed for small- to mid-size passenger operations and focuses on flexible driver qualifications, competitive terms, and fast turnaround. You can submit a quote online for up to five units or work directly with an experienced underwriter to find the right coverage for your client. Ideal Accounts and Appetite This program supports a variety of passenger-transport operations. Typical accounts include: Church buses transporting congregations or youth groups Senior citizen center transportation services Daycare and social services vehicles Limousines, shuttles, and paratransit providers Private school buses and multi-passenger vans SIU is a good fit when you need underwriting flexibility for drivers with non-standard histories or for vehicles with unique usage patterns that other markets may decline. Coverage Highlights and Advantages Commercial Auto Liability and Physical Damage options Medical Payments and Uninsured/Underinsured Motorist coverage available Flexible driver qualification guidelines to help place borderline risks Competitive pricing for preferred and standard risks Quick online or phone quotes for accounts with up to five units Whether the account is a small nonprofit transporting seniors or a private school operating several vans, SIU helps ensure clients have appropriate liability and damage protection on the road. Underwriting Notes and Minimum Premiums Minimum premiums vary by vehicle use, territory, and loss history. Underwriters provide fast indications and can discuss flexible options for one- to five-unit accounts. Be prepared to provide driving records, vehicle use details, and passenger type to speed placement. Territories and Availability This Bus Insurance program is currently available in the following states: Alabama Florida Georgia South Carolina Markets are generally admitted in these states, though availability depends on the specific risk and underwriting criteria. Why Work With Southern Insurance Underwriters, Inc.? As a specialized Managing General Agency, SIU combines deep commercial transportation experience with market access and responsive service. Our underwriters focus on placing small passenger fleets that need tailored coverage or flexible guidelines. We help agents grow transportation books with practical solutions and quick decisions. Frequently Asked Questions What types of accounts are a good fit for this Bus Insurance program? The program fits church buses, daycare and senior-center transport, limo/shuttle operators, and private school buses or vans. How many vehicles can I quote through the online or phone application? You can request quotes for up to five units using our online application or by speaking with an underwriter. Are there flexible underwriting options for drivers with issues on their records? Yes. SIU offers flexible driver qualification guidelines to help place accounts that may not meet stricter criteria elsewhere. Which states is this program available in? The program is available in Alabama, Florida, Georgia, and South Carolina. What types of coverage are available through this program? Available coverages include Commercial Auto Liability, Physical Damage, Medical Payments, and Uninsured/Underinsured Motorist. 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.