Top-Rated Insurance Agency in South Carolina

Top-Rated Insurance Agency in South Carolina
Insurance coverage from an agency that cares about you starts with Southern Insurance Group

What Makes Southern Insurance Group Special

Here’s why we're the top-ranked insurance agency in Greenville & Columbia South Carolina


5-Star Agency

In a little over two years, we’ve already earned over 300+ five-star reviews because our clients love working with us.

Dave Ramsey ELP

In order to be part of the Dave Ramsey ELP program, we have to meet strict customer service requirements, making us reliable.

Experienced Agents

Our team has over 85 years of combined experience, so we understand what it takes to bring you quality coverage.

Southern Insurance Group

Why Work With This South Carolina Independent Insurance Agency


Are you on the hunt for exceptional personal, business, and coastal insurance solutions, backed by a seasoned team who genuinely cares about your needs? Look no further! Southern Insurance Group is the independent insurance agency you've been searching for, located in the vibrant cities of Greenville and Columbia, SC. We proudly serve South Carolina, North Carolina, Georgia, and beyond. As true South Carolina natives, we know the unique risks you face and are committed to safeguarding what matters most to you.


When's the last time you had a thorough review of your insurance policies? Chances are, it's time to take a closer look. You could be overpaying for your current coverage or, even worse, facing significant gaps that leave you vulnerable. At Southern Insurance Group, we're dedicated to demystifying the often confusing world of insurance, guiding you towards the comprehensive coverage you deserve, all while securing the best price for your budget.


Don't wait another minute – get in touch with us today and experience the Southern Insurance Group difference!

Personal Insurance Solutions to Protect Your Self & Family

MANAGE YOUR PERSONAL RISK

We love our clients

Over 270+ 5-Star Reviews on Google!

Sarah Gibbs

Personal Insurance Client

Couldn't be happier! If you're looking for home insurance. look no further, The Southern Insurance Group is a great place to get insurance. They really go above and beyond helping you find the best bang for your buck. We own a rental business and a construction company, First Choice Constructors, and Rachel did a great job helping our company find exactly what we needed. Even when her phone was broken, Rachel sent texts and emails communicating clearly and efficiently. She's a true gem to The Southern Insurance Group. It's a pleasure doing business with them.

Melissa F.

Personal Insurance Client

Aaron Brooks at this agency is the best agent I’ve ever worked with. He’s very knowledgeable, and he patiently listens to what I need. He tailors a package to those needs without me ever wondering if I’m being sold something just for the agency to make money. I came back to him when my insurance needs changed recently because I knew he’d give me sound advice based on my specific situation and concerns. I know I’m in good hands. Thank you, Aaron.


Cristal N.

Personal Insurance Client

Rachel was very helpful, answered all our questions, talked to the salesman we were buying the car from, and had everything ready to go for a totally new policy within an hour.


The next day we had our older car added to the policy as well, it was quick, easy and friendly. We will be doing all our future car insurance needs through Rachel.

Sabrina C.

Personal Insurance Client

David Mosely was so helpful! He walked me through my policy and my options and truly could not have been more helpful. I don't know anyone else who would say they enjoyed their experiences trying to find insurance, but with his help I not only got insured, but learned about exactly what I am paying for.

Bruce B.

Personal Insurance Client

Angela Miller did a above and way beyond what was expected to resolve a Florida DMV license issue. Unbelievable amount of work (e.g. twelve attachments with very professional emails) with an incompetent DMV. David Manning continued to support that effort as well, with no benefit to the company, but great benefit to the customer. Highly recommend this agency for insurance.

Stephanie M.

Personal Insurance Client

Working with David was amazing! He explained different coverage options and what they all meant which allowed us to make informed decisions based on our needs. His knowledge around insurance is phenomenal and he’s a fun person to talk to. I highly recommend!!

Commercial Insurance Solutions to Protect Your Business

THE BEST INSURANCE COVERAGE FOR YOUR BUSINESS

Meet The Southern Insurance Group Team

Meet The Southern Insurance Group Team Members

Industries We Serve

WE PROTECT THESE BUSINESS IN SOUTH CAROLINA, NORTH CAROLINA, & GEORGIA

Contractors

Covers liability, property damage, and worker's compensation for contractors.

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Restaurants

Protects against property damage, liability, and business interruption for restaurants.

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Real Estate Investors

Safeguards investment properties from damages, liability, and income loss.

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Reasons To Work With Southern Insurance Group

Providing a variety of personal insurance and business insurance solutions is what Southern Insurance Group does best.

1


We represent multiple insurance companies.


2


We are licensed insurance advisors.


3


We are by your side every step of the way.


4


We are by your side every step of the way.


Speak with a South Carolina Insurance Expert today!

GET A QUOTE

Speak with a Southern Insurance specialist today. Don't miss out on customized protection! Discover competitive rates tailored for you.

Call us if you have any questions or requests

864-626-6181

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Insurance News and Insights

BLOG UPDATES

07 Aug, 2023
Welcome to another in-depth discussion from the Southern Insurance Group in Greenville, South Carolina! Today, we aim to provide an exhaustive exploration into the realm of Builder's Risk Insurance. This topic frequently piques the interest of real estate investors, developers, builders, flippers, and rehabbers. At Southern Insurance Group, we frequently write Builder's Risk policies. We've heard a variety of questions and concerns regarding them, and we understand the intricacies and nuances involved. In this post, we're going to unpack the complexities of what is and isn’t covered under Builder's Risk Insurance. 1. General Liability: First and foremost, the Builder's Risk policy does not encapsulate general liability exposures. Let's delve deeper into what that means. General liability can be visualized as a safety net, a casualty insurance policy, that guards against financial accountability to an external party. In contrast, Builder's Risk insurance zooms in on first-party coverages – this encompasses your assets, machinery, tools, and upcoming installation materials. It's imperative to pair your Builder's Risk policy with a casualty policy to ensure all bases are covered regarding general liability exposures. While Builder's Risk policies might be crafted for a definitive duration (sometimes as short as three months), general liability policies generally stretch across an annual term, providing coverage across all jobs undertaken in that window. For those entrenched in the worlds of rehab, flipping, building, or real estate development, it's paramount to think about procuring a standalone general liability policy. A complementary addition might also be a commercial liability umbrella, effectively covering all construction-linked operations, bodily injuries, and property damages — elements lying outside the purview of the Builder's Risk policy. 2. Business Property and Contents: Sailing into our second point of discussion, the Builder's Risk policy doesn’t blanket business property and contents. Let’s illustrate this: Imagine you've furnished a property with exquisite sofas or stocked up on uninstalled building materials. The Builder's Risk policy wouldn’t extend its coverage to these assets. However, fret not! These elements find their shelter under commercial property policies or homeowners' policies, particularly when we're talking about residential properties occupied by the owner. An essential tip for those in the building sector: If you are storing uninstalled building materials onsite, it could be wise to mull over an installation floater, especially crafted to suit your operations. Remember, knowledge is power. Understanding the ins and outs of what your Builder's Risk policy offers (and withholds) is the key to seamless operations. And that's where the adept team at Southern Insurance Group come to the forefront, illuminating the path for you. 3. Accidents and Injuries to Employees or Subcontractors: Navigating to our third point, the Builder's Risk insurance policy does not provide a safety net for accidents and injuries befalling employees or subcontractors. This is a critical juncture; these exposures are tailor-made to be encapsulated under the workers' compensation insurance policy. Engaging employees or recurrent subcontractors necessitates diving deep into worker’s compensation insurance. Builder's Risk insurance steadfastly remains removed from this area, often featuring a direct exclusion in its clauses. Safeguarding a conducive work environment is not only a marker of a conscientious employer but is frequently a mandated regulatory requirement. Conclusion Builder's Risk insurance stands as a sentinel, a pivotal component of countless construction and developmental endeavors. Knowledge about its scope (and limitations) is the bedrock for securing investments and maintaining legal compliance. Builder's Risk policies require a discerning eye and expertise. David Ashton and the Southern Insurance Group team bring both to the table, ensuring that your coverage needs are matched, and potential pitfalls are identified and avoided. For a deep dive into your specific scenarios, or to untangle any insurance queries, Southern Insurance Group in Greenville, South Carolina, stands ready. Your peace of mind is our business. Reach out and let's ensure you're perfectly covered.
14 Jun, 2023
Liquor liability insurance is essential for businesses in the alcohol industry. In South Carolina, liquor liability insurance provides protection from financial losses due to claims of property damage, personal injury or death caused by an intoxicated person. It’s important for business owners to understand their state laws and regulations regarding liquor liability insurance and what types of coverage are available. In South Carolina, the Alcoholic Beverage Control (ABC) Commission is responsible for regulating the alcohol industry and businesses that sell, serve or manufacture alcoholic beverages. All businesses involved in the manufacturing, sale or distribution of alcoholic beverages must have a valid liquor license from ABC to operate legally in South Carolina. In addition to obtaining a liquor license, businesses must also obtain liquor liability insurance. Minimum Liquor Insurance Coverage In South Carolina, the minimum limits of coverage for liquor liability insurance are $1 million per occurrence and $2 million in aggregate. This type of policy provides protection from claims related to property damage, personal injury or death caused by a business’s negligence. It’s important to understand that liquor liability insurance only covers claims related to alcohol-related incidents. It does not provide coverage for any other type of legal defense or damages, such as those resulting from employment disputes or other types of negligence. In addition to meeting the minimum requirements, business owners may decide to purchase additional coverage that provides protection from a wider range of potential claims. This may include coverage for defense costs, punitive damages and alcohol-related compensation to third parties. Purchasing additional coverage provides more comprehensive protection from financial losses due to claims related to the sale or service of alcoholic beverages. Lastly, businesses must also remain aware of South Carolina’s specific laws and regulations regarding liquor liability insurance. For example, businesses must comply with the Dram Shop Laws which hold them liable for damages caused by an intoxicated person who was served alcohol at their establishment. Failing to follow liquor liability requirements could result in fines or the loss of a business’s liquor license. Why It’s Important to Consider Additional Coverage It’s important for businesses in South Carolina to understand their state’s liquor liability laws and regulations in order to purchase the right type of policy for their operations. Obtaining adequate coverage not only ensures businesses are protected in the event of a claim, but also helps them comply with their legal obligations. Furthermore, obtaining additional coverage can provide extra protection from other types of claims that may arise. By understanding the laws and regulations, businesses can ensure they receive the protection they need and remain in compliance. Ultimately, liquor liability insurance in South Carolina is a necessary part of operating a business in the state’s alcohol industry. Business owners must understand their state laws and regulations regarding liquor liability insurance as well as what types of coverage are available. By obtaining the right type of policy and understanding their legal obligations, businesses can protect themselves from financial losses due to claims related to alcohol-related incidents. That means purchasing liquor liability insurance provides protection and peace of mind for businesses operating in South Carolina’s alcohol industry.
Why Should I Choose an Independent Insurance Agent
02 Jun, 2023
Choosing an independent insurance agent to help you find the right coverage for your needs is beneficial in so many ways. An independent insurance agent stands apart from other forms of agents by being able to offer a variety of insurance options from multiple carriers, rather than just one.
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