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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...

Surplus Line Managers, Inc. is New England’s premier Managing General Agency (MGA) focused on excess, surplus, and specialty insurance programs. With deep regional roots and decades of underwriting experience, we help independent agents and brokers place difficult or unusual risks that fall outside the standard market. Whether you need coverage for hard-to-place commercial accounts or niche classes, our underwriting team delivers practical, market-driven solutions. As a Certified Managing General Agency (CMGA), we are licensed, insured, and capitalized to serve agents throughout the six New England states. We are active members of the American Association of Managing General Agents (AAMGA) and the National Association of Professional Surplus Lines Offices (NAPSLO), underscoring our commitment to professionalism, compliance, and broad market access. Ideal Accounts and Appetite Our program targets risks that are unconventional, high-hazard, or underserved by standard carriers. We underwrite a wide range of industries and classes, including: Contractors and artisan trades (including renovation and specialty contracting) Special events, entertainment, and festivals Vacant buildings and properties undergoing renovation Bars, taverns, restaurants, and other hospitality risks Light to mid-sized manufacturing and distribution operations Professional liability for niche service providers and consultants If a client has been declined or non-renewed by the standard market, our program is designed to be one of the first E&S options you try. Coverage Highlights and Advantages Surplus Line Managers places business with a number of top-tier excess and surplus carriers, giving you access to flexible policy terms and creative underwriting solutions. Depending on the risk and the state, we can pursue both admitted and non-admitted options to find the best combination of coverage and cost. General liability and property coverage for non-standard and high-exposure accounts Excess liability and umbrella layers Professional and miscellaneous errors & omissions (E&O) for specialty providers Liquor liability and special event liability Every submission is reviewed by an experienced underwriter who understands E&S placement nuances in New England and can structure terms that address real exposures while keeping you competitive. Underwriting Notes and Minimum Premiums We evaluate each account on its individual merits with disciplined underwriting and prompt decision-making. Minimum premiums vary by class and carrier; we review accounts of varied sizes and will often consider creative structures for strong risks. Provide complete loss history and clear descriptions of operations to expedite quoting and placement. Territories and Availability We serve licensed agents and brokers across all six New England states: Connecticut, Maine, Massachusetts, New Hampshire, Rhode Island, and Vermont. Our local regulatory experience helps ensure appropriate documentation and compliant placements in each state. Why Work With Surplus Line Managers, Inc.? Partnering with Surplus Line Managers gives you a team that knows the New England insurance landscape and how to place problem risks efficiently. Our strengths include deep regional underwriting expertise, strong carrier relationships in the E&S market, and a hands-on approach to finding practical solutions. We act as an extension of your agency—helping you retain business that would otherwise be hard to place. Example fits you might present: a general contractor with renovation work and prior claims that needs tailored GL and excess limits; a popular local bar with special-event exposures seeking liquor liability and property coverage; or a small manufacturer with unique products that standard carriers decline. Call us today to learn how we can help with your next challenging placement. Frequently Asked Questions What types of accounts are a good fit for this program?We specialize in hard-to-place risks such as contractors, vacant properties, special events, and hospitality-related businesses that may not qualify for standard coverage. Which states can I access this program in?This program is available to licensed agents and brokers in Connecticut, Maine, Massachusetts, New Hampshire, Rhode Island, and Vermont. Do you offer both admitted and non-admitted options?Yes. Depending on the risk and state, we have access to both admitted and non-admitted markets through our carrier partners. Is there a minimum premium requirement?Minimums vary by class and carrier, but we review accounts of all sizes and aim to be flexible for well-documented risks. How quickly can I get a quote?Turnaround depends on complexity and completeness of submission materials. Provide current loss runs and detailed operation descriptions for faster responses; our underwriting team prioritizes timely feedback. 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.

Becoming a homeowner is a major milestone—and often one of the largest financial investments your clients will make. At Pacific Coast E&S Insurance Services, we specialize in placing homeowners risks that fall outside the standard market. Our Homeowners Insurance program is built for hard-to-place accounts and provides flexible solutions when traditional carriers decline or limit coverage. Overview of the Program From Pacific Coast E&S As a wholesale broker serving the West Coast, Pacific Coast E&S places residential property risks with both admitted and non-admitted carriers, depending on state and risk profile. We focus on pragmatic underwriting and fast placement for accounts with unique exposures—older homes, properties under renovation, vacant dwellings, and other non-standard situations. Ideal Accounts and Appetite This program is designed for agents and brokers who need a market for challenging homeowners risks. Target classes include: • Prior declinations or policy cancellations • Older homes without modern system updates (plumbing, wiring, roof) • High-value homes requiring specialized limits or endorsements • Clients with prior losses, lapses, or a history of non-payment • Vacant dwellings awaiting sale or occupancy • New purchases with no prior insurance history • Homes undergoing major renovations or construction Example fits: you might have a buyer who purchased a 1920s-era home with original plumbing and limited prior coverage, or a client renovating a recently acquired property that will be unoccupied during the remodel—both are the types of risks this program can consider. Coverage Highlights and Advantages We place broad homeowners coverage adapted to non-standard risks. Common features include: • Loss assessment coverage • Personal property coverage with optional scheduled items • Comprehensive personal liability limits and defense coverage • Water back-up and sump overflow options • Policy forms offered: HO-3, HO-4, HO-6, and HO-8 Underwriters can tailor endorsements and limits when needed to address specific exposures your insureds face. Underwriting Notes and Minimum Premiums Each submission is reviewed on its own merits. Underwriting focuses on property condition, occupancy, renovation status, loss history, and risk controls. Minimum premium requirements vary by carrier and state; we work to identify viable options for tough-to-place accounts while balancing carrier guidelines. Note: Some products may be handled nationally from a central location. Territories and Availability This homeowners program is available in California, Oregon, and Washington. We leverage admitted markets where appropriate and non-admitted capacity where admitted markets are not available or limits/terms require more flexibility. Why Work With Pacific Coast E&S? Pacific Coast E&S brings West Coast market expertise and access to surplus lines and admitted carriers that standard markets often don’t provide. Our underwriting partners understand renovation, vacancy, and older construction exposures, and our team prioritizes responsive communication and efficient placement for personal lines brokers. Ready to place a difficult homeowners risk? Connect with a market specialist. Frequently Asked Questions What types of accounts are a good fit for this Homeowners Insurance program?This program is ideal for older homes, vacant properties, high-value homes, and clients with prior losses, lapses, or no prior insurance. Is this program available for homes under renovation?Yes. We can consider homes undergoing extensive renovations when underwriting guidelines are met and the renovation plan, timeframe, and risk controls are documented. Are admitted markets available through this program?Yes. Admitted markets are used in some situations depending on the state and the specific risk profile; non-admitted capacity is available where admitted options are limited. Which states is this program currently offered in?This homeowners program is currently offered in California, Oregon, and Washington. Can I submit accounts with prior declinations?Yes. Prior declinations are among the target classes for this program; submit the full loss history and any risk improvements to help underwriting evaluate the account. Need help placing an account? Connect with a market specialist.

Southern Insurance Underwriters, Inc. (SIU) offers a flexible and competitive Dwelling Schedules Insurance program designed for both personal and commercial property risks. Whether you're placing business for vacant dwellings, rental properties, or renovation projects, SIU provides options that help you meet your clients' evolving needs. With the ability to combine vacant and dwelling fire policies into monthly schedules, this program is ideal for agents seeking simplified placement and broad market access. Ideal Accounts and Appetite This program is well-suited for agents working with: 1–4 family residential dwellings, including rentals and seasonal homes Vacant properties, including those awaiting sale or under renovation Bank-owned properties or those titled under a business or trust Commercial property portfolios needing flexible coverage terms Whether your client has a single vacant home or a schedule of income-producing properties, SIU’s Dwelling Schedules Insurance program can provide tailored solutions. Coverage Highlights and Advantages Personal Property Benefits Monthly earned premiums for better cash flow management Vacant property terms available in 3 or 6 months (annual upon request) Up to $500,000 in premises liability coverage Ability to name banks or businesses on the policy All protection classes and schedule types are eligible Submission via Acord Dwelling Fire app or SIU form #3-01 Homes built within the last 10 years may qualify for DP3 form Commercial Property Benefits Flexible 3, 6, or 12-month policy terms Unlimited renewals available Option to convert to builder's risk coverage with renovation forms General Liability available up to $3M/$3M limits Umbrella coverage available up to $10M Highly competitive rates and "A" rated carriers Underwriting Notes and Minimum Premiums Minimum premium varies based on property type, location, and coverage needs. SIU underwrites through a variety of carriers, ensuring access to the most competitive solutions for your clients. Submission requirements are straightforward, and SIU offers support throughout the quoting and binding process. Territories and Availability This program is currently available in Alabama, Florida, Georgia, and South Carolina. SIU’s regional expertise ensures that risks are evaluated with attention to local market conditions and underwriting preferences. Why Work With Southern Insurance Underwriters, Inc.? As a Managing General Agency with decades of experience, SIU is committed to offering agents innovative property solutions with flexible coverage structures and strong carrier partnerships. Their Dwelling Schedules Insurance program is backed by responsive underwriting, customizable options, and a broad market appetite—helping you write more business with fewer obstacles. You might have a client with a small portfolio of vacant homes or a property investor renovating multiple dwellings—both are strong fits for this program. SIU helps you deliver tailored coverage while keeping the process efficient and competitive. Frequently Asked Questions What types of accounts are a good fit for this program?This program works well for 1–4 family dwellings, vacant properties, seasonal homes, and commercial property schedules needing flexible policy terms. Can I write both personal and commercial properties under this program?Yes, SIU offers coverage for both personal and commercial property risks, with the ability to combine policies for streamlined scheduling and billing. Are vacant dwellings eligible for coverage?Yes, vacant dwellings can be written for 3- or 6-month terms, with annual options available upon request. Renovation coverage can also be added if needed. What forms can I use to submit business to SIU?You can submit using the Acord Dwelling Fire application or SIU’s own form #3-01, depending on your preference and the nature of the risk. Is this program available in my state?This program is currently available in Alabama, Florida, Georgia, and South Carolina. SIU may expand availability based on market demand. 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.

SIU covers all Commercial Property needs…Large or Small! Southern Insurance Underwriters, Inc. (SIU) offers a robust Habitational Insurance program designed to meet the diverse needs of commercial property clients throughout the Southeast. Whether you're placing a small apartment building or a large resort property, SIU provides flexible solutions backed by multiple carrier options and deep underwriting expertise. Overview of the Program From Southern Insurance Underwriters SIU specializes in habitational risks and offers both property and liability coverage for a wide range of residential and lodging-related accounts. With access to a broad carrier network and most markets available on an admitted basis, SIU helps independent agents and brokers place business efficiently and competitively. Ideal Accounts and Appetite SIU’s habitational program is well-suited for: Apartment buildings and complexes Condominium buildings and associations Townhome and residential community associations Hotels, motels, and resorts Tourist cabins and vacation rental properties Boarding houses and rooming houses Cooperative housing corporations Long-term care or assisted living facilities Dwellings and scheduled dwelling portfolios Time-share condominium associations Whether you're working with a single-building owner or a client managing a portfolio of properties, SIU can offer tailored coverage options that meet occupancy, usage, and geographic considerations. Coverage Highlights and Advantages SIU's habitational program offers a wide range of coverages designed to protect both property and liability exposures: Commercial Property – Building, contents, loss of income, and more Commercial General Liability – Premises liability and operations Crime – Theft, employee dishonesty, and related exposures Directors & Officers Liability (D&O) – Especially important for associations and cooperatives From fire and weather damage to slip-and-fall incidents and HOA board disputes, this program is structured to address the full range of habitational risks. Underwriting Notes and Minimum Premiums Minimum premiums and underwriting requirements vary depending on the type and size of the risk. SIU works with a variety of carriers to provide flexible pricing and terms. Submission requirements typically include a completed application, property details, and current loss runs. SIU’s underwriters are experienced in evaluating habitational exposures and can assist with structuring coverage for challenging or unique risks. Territories and Availability This program is currently available in the following states: Alabama (AL) Florida (FL) Georgia (GA) South Carolina (SC) Most markets are available on an admitted basis, providing added stability and confidence for your clients. Why Work With Southern Insurance Underwriters? As a trusted Managing General Agency (MGA), SIU brings over 60 years of experience in specialty insurance markets. Agents and brokers benefit from: Access to a wide variety of carriers and market options Responsive underwriting support and guidance Programs tailored to habitational risks of all sizes Strong market presence in the Southeast If you have a client with a habitational risk—whether it's a small vacation rental or a multi-building apartment complex—SIU has the tools and expertise to help you place the business with confidence. Frequently Asked Questions What types of accounts are a good fit for this program?This program is ideal for apartment buildings, condo associations, hotels, motels, vacation rentals, and other habitational properties located in AL, FL, GA, and SC. Is this program admitted or non-admitted?Most markets available through this program are admitted, offering added compliance and stability for your clients. What coverages are included in the habitational program?Available coverages include Commercial Property, General Liability, Crime, and Directors & Officers Liability (D&O). Can I submit risks with multiple properties or schedules?Yes, the program accommodates dwelling schedules and portfolios. SIU underwriters can evaluate and tailor coverage accordingly. How do I get started with a submission?Submit a completed application along with risk details and loss runs. SIU’s underwriting team will review and respond promptly. Need help placing an account? Connect with a market specialist.