Commercial Lines

Where We Write


Tower Hill Commercial Lines represents more than 400 independent agency partnerships throughout the Southeast. Currently, Commercial Lines writes business in the following states:

Alabama

Alabama

Florida

Florida

South Carolina

South Carolina

Texas

Texas

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 Prime Insurance Company has earned a Financial Strength Rating of A- (Excellent) 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.

AXA XL

In partnership with AXAAXA XL’s insurance companies carry a Financial Strength Rating (FSR) of A+, XV (Superior) by A.M. Best Company as of June 2020. Commercial Lines coverage is offered on an E&S basis through Indian Harbor Insurance Company. AXA XL, the property & casualty and specialty risk division of AXA, provides insurance and risk management products and services for mid-sized companies to large multinationals, and reinsurance solutions to insurance companies globally. We partner with those who move the world forward. To learn more, visit www.axaxl.com.

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, karate 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 $2 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.