South Shore Insurance Underwriters
Carrier website links, underwriting access points, mapped product lines, and appetite notes in one place.
This appetite summary is only a guide. Confirm eligibility, submission requirements, restrictions, and binding authority directly with the carrier or underwriter before relying on it.
Carrier appetite summary
SSIU’s verified personal lines appetite is broader than standard homeowners and is centered on coastal/specialty residential property. Published personal-lines programs include Homeowners, Rental Dwellings, Condominium Unit Owners, Wind Only, Vacant Risks, Builders Risk, and Primary/Excess Flood, including CBRA-zone flood. Preferred submissions appear to be residential property risks needing flexible wind/flood/coastal solutions, with optional coverages and deductible flexibility rather than highly standardized admitted underwriting. Carrier highlights specifically note no distance-to-coast requirement, flexible AOP and Wind/Hail or Named Storm deductibles, discounts for storm shutters/impact glass, metal roofs, hip roofs, new homes, monitored alarms, fortified construction, and service discounts for military, educators, and first responders. Geographic guidance on the personal-lines page lists AL, AR, FL, GA, MS, NC, SC, and TX, with a note that SSIU has ability to write nationwide where supported; the broader programs page lists additional current market territories, so placement may depend on product/carrier support by state. Restricted/declined classes are not published as a clear formal decline list on the verified public pages; however, SSIU’s public forms/library indicate underwriting sensitivity to roof condition/settlement, water damage, solar panels, asbestos, sinkhole, cosmetic metal-roof hail loss, and actual-cash-value roof treatments through available endorsements/exclusions, and protection-class 8-10 properties require a Protection Class Questionnaire (excluding Wind Only). Submission/binding workflow is detailed: agents are expected to use the online portal/rater at portal.ssiuw.com to enter insured name and risk address, pull third-party property data, review or make a one-time MSB edit, and obtain instant quotes or submit to underwriting. Risks needing referral go directly to the underwriting team; SSIU states typical turnaround of 2 business hours or less on the personal-lines page, and the workflows page states underwriter-reviewed submissions received by 2 pm CT get same-business-day response. For binding, applications must be complete; SSIU can generate prefilled apps, supports Adobe e-sign, and coverage is not bound until applications are reviewed/accepted and policy documents are released by SSIU. Required/possible submission items published in SSI University include Personal Lines Quick Quote Form, insured-signed application acknowledgements required before binding all new business, supplemental personal lines application when subjectivities apply, statement of no known losses for backdated binds or reinstatements, Florida surplus lines disclosure for all new business in FL, Alabama surplus lines disclaimer for all AL personal/commercial binds, Mississippi surplus lines form for MS personal lines, and diligent-effort form required in AL and SC. Broker/producer notes: portal access requires agency appointment; agencies can apply for appointment online, then receive login credentials. SSIU instructs agents to submit quote, bind, endorsement, and cancellation activity through the portal rather than by email; underwriting questions can go to submissions@ssiuw.com, binding questions/rush requests to binder@ssiuw.com, and endorsements to endorse@ssiuw.com. AOR changes are honored at renewal, and backdated cancellations require signed ACORD cancellation plus proof of sale or replacement coverage.