Commercial Lines

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

Tower Hill InsuranceTower Hill Prime Insurance Company has earned a Financial Strength Rating of B+ (Good) from A.M. Best and a Financial Stability Rating® (FSR) of A (Exceptional) from Demotech, Inc. DeSoto Prime Insurance Company was acquired by a Tower Hill holding company in March 2003, and later renamed Tower Hill Prime.

RenaissanceRe Specialty U.S. LTD. (RSUSL)

RenaissanceReRSUSL is a subsidiary of RenaissanceRe Holdings Ltd., one of the industry’s leading insurance and reinsurance companies. RSUSL carries a Financial Strength Rating (FSR) of A+, XV (Superior) by A.M. Best Company and an A+ Financial Strength Rating by S&P.

Vantage Risk Specialty Insurance Company

Vantage RiskVantage offers a wide array of specialty re/insurance products covering global risks, including niche property and casualty classes. As a subsidiary of Vantage Group Holdings Ltd., Vantage Risk Specialty Insurance Company carries a Financial Strength Rating® (FSR) of A-, XII (Excellent) by A.M. Best Company.

Below are our targeted classes of business with links to additional information.

Are you in need of a quote but don’t have an agent? Or do you have a risk that doesn’t fit into any of the categories below? Request a Quote from us to find out what we can do for you.

Office & Retail Facilities

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

Assisted Living Facilities

Insures property of for-profit and non-profit assisted living facilities, nursing homes, convalescent homes, adult homes, and family type homes.

Self-Storage Facilities

Self-Storage Facilities

Insures self-storage and mini-warehouse facilities, including perimeter fencing and any other related ancillary property.

Early Learning Centers

Early Learning Centers

Insures property of early learning centers such as daycares, preschools, martial arts studios, and other related risks.

Mercantile

Mercantile

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.

Homeowners Associations

Homeowners Associations

Insures homeowners associations, planned unit developments, condo, or cooperative-owned communities.

Commercial Residential

Commercial Residential

Insures apartments and condominium complexes up to four stories as well as rental dwellings.