Hurricane season brings on its own special concerns for those of us in the insurance industry. At South & Western, our goal is to have a consistent procedure across all lines of business and departments when binding property-based risks.

Therefore, below is a copy of our current guidelines for your reference. These guidelines are our official policy and should be followed for all property-based lines of business. The only acceptable deviations from these guidelines are in the event a South & Western underwriter instructs you to follow a more restrictive procedure. (Please note: Binding Authority differs by line of business, and company. Refer to your producer agreement for specifics.)

Restricted Counties are listed below.

If you have any questions please contact your specific underwriter, or sales representative.

During periods of hurricane and tropical storm activity, it may be necessary to restrict binding authority of all producers in affected areas. Following are the procedures to be followed for binding authority. These guidelines cannot be deviated from unless specific instruction is given from a South & Western underwriter to follow a more restrictive procedure.

No policy coverage may be written or bound on new business in the RESTRICTED COUNTIES when any Hurricane is:

No policy coverage may be written or bound on new business in the RESTRICTED COUNTIES when any Tropical Storm is:

No policy coverage may be written or bound on new business in the RESTRICTED COUNTIES when any hurricane:

Hurricane or Tropical Storm

No changes to existing policies may be issued or bound which have the effect of increasing physical damage limits of liability while a hurricane or tropical storm is within the designated quadrants.

Hurricane or Tropical Storm

Expiring policies will be renewed providing the renewal policy is not endorsed to increase physical damage limits of liability.