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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.

Reliable Tow Truck Insurance coverage with quick and easy service from SIU! Southern Insurance Underwriters, Inc. (SIU) offers a competitive Tow Truck Insurance program designed to meet the unique needs of commercial towing operations across Georgia, Alabama, Florida, and South Carolina. Whether your insured operates a single tow truck or manages a larger fleet, SIU provides flexible coverage options through multiple A-rated carriers. With a focus on responsive service and localized underwriting expertise, SIU makes it easy for agents and brokers to quote and bind policies quickly—online or over the phone. Ideal Accounts and Appetite SIU’s Tow Truck Insurance program is ideal for independent towing operators and small to mid-sized towing fleets. The program accommodates accounts with 1 to 150 units and covers both local and intermediate radius operations. Whether your client tows for roadside assistance, repossession, or vehicle recovery, this program is structured to provide the right protection. You might have a client who owns a 3-truck towing operation in Atlanta handling local roadside assistance, or a mid-size business in Jacksonville with 15 trucks providing regional transport and recovery services. SIU is equipped to handle both scenarios efficiently. Coverage Highlights and Advantages Tow Truck Insurance Highlights: States Available: Georgia South Carolina Alabama Florida (ask about availability in other states) Number of Units: 1–150 Operational Radius: Local and Intermediate Available Coverages: Liability limits up to $1,000,000 CSL Physical Damage coverage for units valued up to $150,000 In-Tow coverage with limits up to $100,000 Garage Liability coverage available Comprehensive package policies can be written Special Features: 1–5 units eligible for fast phone quotes All carriers are A-rated Localized underwriting knowledge Underwriting Notes and Minimum Premiums SIU evaluates each risk individually and works with multiple markets to find the best fit. Minimum premiums vary based on risk characteristics, number of units, and selected coverages. Their experienced underwriting team helps ensure accurate and timely quotes for even the most complex risks. Territories and Availability This program is currently available in Georgia, Alabama, Florida, and South Carolina. For potential access in additional states, please contact SIU directly to discuss availability. Why Work With Southern Insurance Underwriters, Inc.? As a trusted Managing General Agency (MGA) with deep experience in commercial transportation insurance, SIU brings value to agents through market access, knowledgeable underwriting, and streamlined quoting processes. Their tow truck program stands out for its flexibility, breadth of coverage, and service-oriented approach. Whether you’re placing a new account or remarketing an existing one, SIU is ready to help you secure quality coverage for your clients. Frequently Asked Questions What types of accounts are a good fit for SIU’s Tow Truck Insurance program?This program is ideal for commercial towing operators with 1–150 units operating within a local or intermediate radius in Georgia, Alabama, Florida, or South Carolina. Can I get a quote over the phone?Yes, SIU provides fast phone quotes for accounts with 1–5 units. Larger fleets can also be quoted efficiently online or with underwriting assistance. What coverages are available under this program?Available coverages include Auto Liability up to $1,000,000 CSL, Physical Damage up to $150,000 per unit, In-Tow coverage up to $100,000, and optional Garage Liability. Are all carriers used by SIU A-rated?Yes, all participating carriers in this program are A-rated, ensuring financial strength and reliability. Is this program admitted or non-admitted?Most available markets for this program are non-admitted, offering greater flexibility in underwriting and pricing. Need help placing an account? Connect with a market specialist.