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
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.
RenaissanceRe Specialty U.S. LTD. (RSUSL)
RenaissanceRe Specialty U.S. Ltd. (“RSUSL”) is a non-admitted surplus insurer. Risks placed with RSUSL must be placed in accordance with applicable state surplus lines laws. Surplus lines brokers and consumers may contact Tower Hill Insurance Group, LLC for further information. All other surplus lines inquiries should be directed to a licensed insurance broker.
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.
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
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.
Self-Storage Facilities
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.
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
Insures homeowners associations, planned unit developments, condo, or cooperative-owned communities.
Commercial Residential
Insures apartments and condominium complexes up to four stories as well as rental dwellings.