Commercial Lines

SSIU offers a wide variety of coverage lines for small- to medium-sized commercial risks

  • Commercial Property
  • General Liability
  • Commercial Package (Property & GL)
  • Commercial Wind Only
  • Builders Risk
  • Cyber¬†Coming Soon

Highlights of our Commercial Lines Program

  • Discounts for storm shutters/impact glass, Metal Roofs, Hip Roofs, Monitored Alarms, Fortified Construction
  • No Distance-to-Coast requirement
  • Flexible AOP and Wind/Hail or Named Storm Deductibles
  • Wind Only and X-Wind options
  • Flexible underwriting for special circumstances
  • Property Enhancement Endorsement available
  • Special packages for Restaurants, Office Buildings, COAs and HOAs, Self Storage Facilities, Lessors Risk, C-Stores, Rental Dwellings, Healthcare Offices


Commercial submissions should be sent via ACORD application forms to Some carriers require supplemental application forms in addition, which will be provided to the agent if required. Quotes are typically returned within 48 hours of receipt.

SSIU Commercial Supplemental Applications available on our Downloads page. Required for binding all new risks.

Carrier Partners

  • Certain Underwriters at Lloyd’s of London – Commercial Property, Wind Only, X-Wind, Builders Risk
  • Chubb European SE – Commercial Property, Wind Only
  • Atlantic Casualty – General Liability, Property, Inland Marine, Garage
  • Safehold Special Risk – Builders Risk
  • Palomar Specialty (Admitted) – Builders Risk

Where We Write

  • ALABAMA COUNTIES – Mobile, Baldwin
  • FLORIDA COUNTIES – Bay, Escambia, Franklin, Gulf, Nassau, Okaloosa, Santa Rosa, Walton, Wakulla
  • GEORGIA COUNTIES – Bryan, Camden, Chatham, Glynn, Liberty, McIntosh
  • MISSISSIPPI COUNTIES – George, Hancock, Harrison