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Our Homeowners Insurance Market Specializes in: ...et is a 24-hour turnaround on most homeowners quotes, and many requests receiv...

Policy Highlights for Homeowners Insurance: Colonial General Insu...f accounts are a good fit for this Homeowners Insurance program?Ideal accounts...

...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...

Coastal Homeowners Program from BUA BUA's Coastal Homeowners program is designed to help insuran...ts are a good fit for this Coastal Homeowners program?Ideal accounts include p...

RISC's Home Select is a High-Value Homeowners Insurance solution tailored for hom... Work With RISC Inc. on High-Value Homeowners? RISC Inc. specializes in placin...

... Condominium Associations Homeowners Associations You might have a cl...

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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.

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.

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.