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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.

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.