/ Commercial Lines
Providing property and casualty insurance products for small- and medium-sized businesses.
Where We Write
Tower Hill Commercial Lines coverage is offered by more than 400 independent agency partnerships throughout the Southeast. Currently, Commercial Lines writes business in the following states:
What We Write
Tower Hill offers both Business-Owner (BOP) and Monoline Property (CP) products. Both of our products are available on either admitted or non-admitted paper:
Tower Hill Prime
An affiliate of Florida-based Tower Hill Insurance Group, Tower Hill Prime offers Commercial Lines products on an admitted basis in Alabama, Florida, and South Carolina. Tower Hill Prime Insurance Company has earned a Financial Stability Rating® (FSR) of A (Exceptional) from Demotech, Inc.
Lloyd’s of London
Lloyd’s is the world’s specialist insurance and reinsurance market, bringing together an outstanding concentration of underwriting expertise and talent. It is often the first to insure emerging, unusual and complex risks.
Around 80 syndicates underwrite insurance at Lloyd’s, covering all classes of business. Together they interact with thousands of brokers daily to create insurance solutions for businesses in over 200 countries and territories around the world. Lloyd’s insures the majority of FTSE 100 and Dow Jones industrial average companies.
Lloyd’s enjoys strong financial security supported by excellent ratings. Visit lloyds.com for more information.
Vantage Risk Specialty Insurance Company
Vantage Group Holdings Ltd. (Vantage) was established in late 2020 as a re/insurance partner designed for the future. Driven by relentless curiosity, our team of trusted experts provides a fresh perspective on our clients’ risks. We add creativity to tech-enabled efficiency and robust analytics to address risks others avoid. Vantage operating subsidiaries Vantage Risk Ltd., Vantage Risk Assurance Company, and Vantage Risk Specialty Insurance Company are rated “A-” (Excellent) by AM Best.
Below are our targeted classes of business with links to additional information.
Office & Retail Facilities
Insures buildings or offices (lessors’ risk coverage), professional office complexes, multi-tenant retail shopping centers, and other related risks.
Assisted Living Facilities
Insures property of for-profit and non-profit assisted living facilities, nursing homes, convalescent homes, adult homes, and family type homes.
Insures self-storage and mini-warehouse facilities, including perimeter fencing and any other related ancillary property.
Early Learning Centers
Insures property of early learning centers such as daycares, preschools, martial arts studios, and other related risks.
Insures primarily retail and wholesale business with on-site sales. This program includes a broad range of businesses with sales up to $12 million annually.
Insures homeowners associations, planned unit developments, condo, or cooperative-owned communities.
Insures apartments and condominium complexes up to four stories as well as rental dwellings.