| Commercial Lines
Tower Hill is one of the Southeast’s largest property insurers with more than 1.7 million customers who trust us to protect their homes and businesses.
We offer coverage for a broad range of classes in the Commercial Residential and Office Retail segments.
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 these states:
What We Write
We offer a broad range of classes in the Commercial Residential and Office Retail segments. 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.
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.
Our Product Offerings
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:
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 is the world’s largest subscription market and has strong operating performance, strong
capitalization, and strong financial flexibility, which is reflected in its financial rating. As part of Lloyds
of London, RenaissanceRe Sydicate 1458 shares Lloyd’s Market Financial Strength Rating (FSR) A+,
(Superior) by A.M. Best Company as of August 2024.
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.