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.