Carolina Insurance Group
Carolina Insurance Group is a privately held independent insurance agency headquartered in Lexington, South Carolina, operating nine branch offices and distributing personal, commercial, life, and specialty lake-property insurance through 15 licensed agents and roughly 30 to 40 carrier partners across the state.
- Company typePrivate
- Founded-
- HeadquartersLexington, United States
- Headcount1–10
- GTM typeB2B and B2C
- OfferingServices
What Carolina Insurance Group does
Carolina Insurance Group is a privately held, independent insurance agency headquartered at 141 Charter Oak Road in Lexington, South Carolina, that distributes personal, commercial, life, and specialty insurance products on behalf of approximately 30 to 40 insurance carriers. The firm operates nine physical branch offices across South Carolina — Lexington (HQ), Columbia, Irmo, Chapin, Newberry, Sumter, Bamberg, Easley, and Anderson — covering the Midlands and Upstate regions, and runs a "Your Own Agent" model in which each customer is paired with a dedicated licensed agent for quoting, servicing, endorsements, and renewals. Fifteen named licensed agents staff the agency, and the firm cites 300+ years of combined agent experience across personal, commercial, life, and specialty lines.
The product offering is organized into four core service lines — Personal Insurance, Commercial Insurance, Life Insurance, and a niche Lake Insurance program — and spans roughly 30 sub-products, including auto, home, renters, watercraft, RV, motorcycle, classic car, flood, earthquake, umbrella, and health on the personal side, and business liability, commercial property, commercial auto, workers' compensation, contractors, restaurant, liquor liability, landlord liability, cyber liability, E&O, auto dealers, business interruption, farm and ranch, loggers, and group health on the commercial side. Specialty depth is concentrated in two areas: waterfront/lake properties across six South Carolina lakes (Murray, Greenwood, Santee, Jocassee, Hartwell, Wateree), and logger/forestry trades delivered through a Southern Pines Insurance program. The technology stack is modest and operational rather than proprietary: a Wix-hosted marketing and quote-intake site, a SEMCAT-hosted personal-lines lead form, a Manage Policy self-service portal for claims/billing/changes/certificates, and PCI-DSS compliant payment processing. No AI/ML capabilities, APIs, or proprietary software are disclosed.
Revenue is generated almost entirely through carrier commissions on new business and renewals across the 30–40 represented insurers (Travelers, Progressive, Liberty Mutual, AIG, The Hartford, Kemper, Auto-Owners, Penn National, Foremost, Southern Pines, and others), with pricing determined per risk by underwriting carriers and no public rate cards. The customer base is highly fragmented across South Carolina individuals and small/mid-sized businesses, with named commercial accounts spanning construction, industrial sweeping, telecommunications, IT services, and commercial cleaning. Ownership is concentrated with operating owners and the agent team, led by President Joel Sauls; no parent company, institutional investors, funding rounds, or public-shareholder structure are disclosed. The firm has been in operation for more than 20 years (logger program cited as 20+ years old) and continues to operate an active website, agent team, and lead capture.
Carolina Insurance Group firmographics
Firmographics- Name
- Carolina Insurance Group
- Legal name
- Carolina Insurance Group
- Website
- https://carolinainsgroup.com
- Company type
- Private
- Operating status
- Operating
- Headcount range
- 1–10 employees
- Short description
- Carolina Insurance Group is a privately held independent insurance agency headquartered in Lexington, South Carolina, operating nine branch offices and distributing personal, commercial, life, and specialty lake-property insurance through 15 licensed agents and roughly 30 to 40 carrier partners across the state.
- Ownership category
- akta.pro rank
Carolina Insurance Group industry classification
Industry- Product category
- Independent Insurance Agency (Multi-Line P&C, Life, Specialty)
- NAICS
- Agencies, Brokerages, and Other Insurance Related Activities (5242), Insurance Agencies and Brokerages (524210)
- SIC
- Insurance Agents, Brokers & Service (6411)
- akta.pro primary industry
- Specialty Insurance Brokerage (Marine, Aviation, Cyber, Professional Lines) (FSAEADAJ)
- akta.pro secondary industry
- Mid-Market Commercial Package (Package Policies) (FSAJAFAB)
Keywords
Where Carolina Insurance Group is headquartered
LocationHeadquarters
- HQ city
- Lexington
- HQ country
- United States
- HQ region
- North America
Offices9 records
Markets served
Carolina Insurance Group business model
Business model- GTM type
- B2B and B2C
- Offering type
- Services
- Cost components
- Personnel, Operations, Marketing or Sales, Technology or R&D, Others
Revenue model
- Insurance carrier commissions: Core revenue stream for the independent agency: commissions earned on personal, commercial, life, and specialty (e.g., lake/logger) insurance policies placed with the 30–40 represented insurance carriers. Compensation is tied to policy issuance and renewals (transaction/take-rate style economics typical of independent P&C agencies).
- Policy servicing and renewals: Ongoing servicing, endorsements, and renewals of in-force policies generating trailing commission income; agency emphasizes "your own personal agent" relationship supporting long-term retention.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Other | Pay-as-you-go | Quote-based pricing across personal, commercial, and life lines |
Go-to-market motion2 records
Distribution channels3 records
Marketing channels6 records
Carolina Insurance Group product offering
Product offeringCore offering
Carolina Insurance Group is an independent insurance agency that places personal, commercial, life, and specialty (lake/watercraft, logger) insurance policies on behalf of South Carolina consumers and small/mid-sized businesses through its appointments with roughly 30-40 insurance carriers (Progressive, Travelers, Liberty Mutual, AIG, The Hartford, Kemper, Auto-Owners, Foremost, Penn National, and others). The agency earns carrier commissions and provides ongoing servicing, endorsements, and renewals through nine physical branches across South Carolina plus a Wix-hosted website and SEMCAT-powered online lead forms.
Product overview
Carolina Insurance Group is a single, agency-distributed book of business — not a multi-product software platform. The offering is organized into four core service lines: Personal Insurance, Commercial Insurance, Life Insurance, and a niche Lake Insurance program, each of which assembles a curated set of sub-products (for example, Personal Insurance includes Auto, Home, Renters, Jewelry, Motorcycle, Watercraft/Boating, Classic Car, RV, Earthquake, Flood, Umbrella, and Health; Commercial Insurance includes Business Liability, Commercial Property, Commercial Auto, Auto Dealers, Workers Compensation, Contractors, Business Interruption, Cyber Liability, E&O, Restaurant, Liquor Liability, Landlord Liability, Loggers, Farm and Ranch, and Group Health; Life includes term, universal, whole, key man, and disability). The agency layers a set of self-service management tools on top — an Online Quote Request, a Manage Policy portal, a Change Request form, and a Certificate of Insurance request form — that route into the agency and 30-40 carrier partners (Progressive, Travelers, The Hartford, Liberty Mutual, Foremost, AIG, Kemper, etc.) for underwriting, billing, and claims.
Differentiator
Problem solved
Functional benefit
Products and services
- Personal Insurance Personal lines book of business for individuals and families in South Carolina, including auto, home, renters, jewelry, motorcycle, watercraft/boating, classic car, RV, earthquake, flood, umbrella, and health coverages sourced from 30-40 carrier partners via an assigned local agent.
- Auto Insurance Personal auto coverage including liability, collision, comprehensive, medical payments, emergency road service, and uninsured motorist protection, with bundling and daytime-running-lights discounts. For South Carolina drivers.
- Home Insurance Homeowners coverage for dwellings, personal property, and personal liability, including frame, CBS, manufactured, mobile, condo, townhouse, secondary, and rental dwellings, with optional endorsements for sewer backup, flood, and replacement-cost contents.
- Renters Insurance Renters policy covering personal property, family liability, guest medical, additional living expenses, and personal injury protection for tenants.
- Jewelry Insurance Specialized coverage for jewelry, silver, fine arts, and collectibles, structured as a stand-alone policy or endorsement to homeowners when standard limits are insufficient.
- Motorcycle Insurance Motorcycle coverage including liability, collision, comprehensive, uninsured motorist, roadside, accessories, total loss, rental, trip interruption, and on-road for off-road bikes, with Harley Davidson and safety course discounts.
- Watercraft Insurance Boat, jet ski, and personal watercraft coverage including personal liability, hull, motor, trailer, and medical/physical damage, with multi-vessel, safety-course, and bundling discounts.
- Classic Car Insurance Agreed-value coverage for antique, classic, modified, reproduction, replica, restoration, and modern classic vehicles, tailored to actual mileage and storage conditions.
- RV Insurance Motorhome and trailer coverage combining auto-style liability/collision/comprehensive with home-style contents and campsite liability, plus full-timer, emergency expense, total loss, and 24-hour roadside options.
- Flood Insurance Flood coverage primarily through the National Flood Insurance Program (NFIP) with $250,000 dwelling and $100,000 contents options, plus private-market alternatives.
- Earthquake Insurance Stand-alone or endorsed coverage for earthquake damage to dwelling and personal property, given South Carolina's moderate-to-high seismic risk.
- Umbrella Insurance Personal excess liability (umbrella) policy providing up to roughly $5 million in additional coverage above home and auto liability limits, including attorney fees and worldwide protection.
- Commercial Insurance Commercial lines book of business packaged across property, casualty, auto, workers compensation, liability, business interruption, cyber, and specialty coverages for small and mid-sized South Carolina businesses.
- Business Liability Insurance Commercial general liability covering bodily injury, property damage, data loss, and personal injury claims against the business.
- Commercial Property Insurance Coverage for buildings, contents, equipment, inventory, outdoor property, and loss of business income from covered perils, with completed value, equipment breakdown, and inflation allowance options.
- Commercial Auto Insurance Business auto coverage for owned, hired, and non-owned vehicles, including comprehensive/collision, liability, medical payments, roadside, and loss of earnings.
- Workers Compensation Insurance Statutory workers compensation plus employer's liability for medical bills, lost wages, rehabilitation, and funeral/death benefits; coverage for temporary, full-time, and 1099 workers.
- Business Interruption Insurance Coverage for lost income and extra expense (including relocation costs) following a covered shutdown of business operations.
- Cyber Liability Insurance Coverage for data compromise, breach response, forensic/legal/PR costs, identity recovery, system restoration, and lost income from cyber attacks.
- E & O Insurance
Quantifiable outcome
- Access to roughly 30–40 insurance carriers through a single local agent
- +3 more outcomes
Companies that use Carolina Insurance Group
Customer profileNamed customers5 records
Segments5 records
Ideal customer profiles4 records
Carolina Insurance Group technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Integration1 record
Feature3 records
Carolina Insurance Group partnerships and signals
Strategic signalPartnerships
29 partnerships are on record, tiered flagship carrier, core carrier, minor carrier and flagship specialty partner.
- Travelersflagship carrierTravelers is one of the major insurance carriers represented by Carolina Insurance Group among its ~30–40 carrier appointments, providing personal, commercial, and specialty products that the agency quotes and binds on the carrier's behalf.
- Progressiveflagship carrierProgressive is among the prominent personal-lines carriers Carolina Insurance Group represents, supplying auto and other personal products quoted through the agency.
- Liberty Mutualflagship carrierLiberty Mutual is one of the larger carriers the agency is appointed with, providing personal and commercial lines products available to agency customers.
- AIGflagship carrierAIG is among the insurance carriers represented by Carolina Insurance Group, providing specialty personal and commercial coverages through the agency.
- The Hartfordcore carrierThe Hartford is a represented insurance carrier used by the agency to quote personal, commercial, and group benefits products for South Carolina customers.
- Kempercore carrierKemper is among the carriers Carolina Insurance Group represents, providing personal and commercial lines products via the agency.
- Auto-Owners Insurancecore carrierAuto-Owners is a represented insurance carrier providing personal and commercial coverage options through the agency.
- Penn National Insurancecore carrierPenn National is a represented insurance carrier; it is also highlighted as a preferred home/auto partner in the agency's consumer-facing materials.
- Foremost Insurancecore carrierForemost is a represented carrier providing specialty personal lines (e.g., mobile home, recreational) products through the agency.
- Accident Fundcore carrierAccident Fund is among the workers' compensation and commercial carriers represented by the agency.
- American Strategic Insurance (ASI)core carrierAmerican Strategic Insurance is a represented carrier providing personal property/home coverage through the agency.
- Bankers Insurancecore carrierBankers Insurance is a represented carrier providing personal property products through the agency.
- J&J Insurance Groupcore carrierJ&J Insurance Group is among the smaller/niche carriers represented by the agency.
- Attunecore carrierAttune is a represented small-commercial carrier whose products are quoted through the agency.
- Berkley Assigned Risk Servicescore carrierBerkley Assigned Risk Services is a represented carrier providing assigned-risk and hard-to-place commercial coverage.
- Heritage Insurancecore carrierHeritage is a represented property insurance carrier available to agency customers.
- HOAIC (Hawaii Insurance)minor carrierHOAIC is a represented homeowners insurance carrier available through the agency.
- SC Wind / HAII (Hawaii) wind poolcore carrierSC Wind and the Hawaii wind pool are represented carriers providing windstorm coverage options in coastal South Carolina.
- Self-Insurers Fund (SC Home Builders)core carrierSelf-Insurers Fund, associated with the South Carolina Home Builders association, is a represented workers' comp provider for homebuilder risks.
- Slide Insuranceminor carrierSlide Insurance is a represented personal property carrier used by the agency.
- AMIG (American Mining Insurance Group)minor carrierAMIG is a represented specialty carrier (mining/contractor exposures) available through the agency.
- Berkshire Hathaway Guardcore carrierBerkshire Hathaway Guard is a represented commercial carrier used by the agency.
- Haulers Insuranceminor carrierHaulers Insurance is a represented specialty commercial carrier (transportation/haulers risks) used by the agency.
- ICW Groupcore carrierICW Group is a represented commercial carrier (workers' comp) available to agency customers.
- Safeco Insurancecore carrierSafeco is a represented personal-lines carrier available through the agency.
- Southern Trust Insuranceminor carrierSouthern Trust is a represented regional carrier available through the agency.
- Universal Property & Casualty Insuranceminor carrierUniversal Property & Casualty is a represented personal property carrier available through the agency.
- US Assureminor carrierUS Assure is a represented specialty carrier (builders risk/contractor products) available through the agency.
- Southern Pines Insuranceflagship specialty partnerSouthern Pines Insurance is highlighted on the agency's dedicated loggers page as a dedicated industry partner for logger and forestry-related personal and commercial coverage.
Scale indicators5 records
Recent moves6 records
Expansion highlights6 records
Carolina Insurance Group competitors and assessment
Company assessmentDirect peers
- Goosehead Insurance: Public multi-carrier independent insurance agency (NASDAQ: GSHD) that places personal, commercial, and life coverage across a broad panel of carriers through local agents — the closest publicly traded analog to Carolina Insurance Group's multi-carrier agency model.
- Brightway Insurance: Multi-carrier independent insurance franchise agency selling home, auto, commercial, and life across dozens of carriers through local agent-owners in the Southeast — directly comparable distribution model and product mix to Carolina Insurance Group.
- Insurance Office of America: Mid-sized independent insurance brokerage offering personal, commercial, and employee benefits across multiple carriers with a regional branch network — closely comparable multi-carrier agency/brokerage model.
- Leavitt Group: Regional independent insurance agency network placing personal, commercial, life, and benefits across multiple carriers via local offices — directly comparable multi-carrier, multi-branch agency structure.
- World Insurance Associates: Multi-carrier independent insurance agency/brokerage (NASDAQ: WIA) operating through a regional branch network across personal, commercial, life, and benefits — closely comparable multi-carrier independent agency model with branch footprint.
- RPS (Risk Placement Services): Specialty wholesale insurance brokerage placing hard-to-place commercial and personal risks (including marine/watercraft, contractors, and logging-type exposures) across carrier partners — comparable on the specialty brokerage and carrier-distribution axis.
- Burns & Wilcox: Specialty insurance wholesale broker and managing general agent placing surplus and specialty lines (marine, professional, property) — comparable to Carolina Insurance Group's specialty brokerage capabilities in lake, logger, and professional lines.
Broad incumbents
- Hub International: Large North American insurance brokerage offering personal, commercial, life, and benefits through a broad regional branch network — a scaled incumbent analog of the multi-carrier agency model with broader geographic reach.
- Acrisure: Global insurance brokerage and fintech platform operating through regional agency partners — comparable multi-carrier distribution model at substantially larger scale, and an illustrative roll-up acquirer of multi-branch agencies.
Regional players
- Founders Insurance Group: Regional Southeast-focused independent insurance agency placing personal and commercial lines across multiple carriers — comparable multi-carrier independent agency operating in a neighboring regional footprint.
Market position
Strengths4 records
Weaknesses4 records
Competitive moat5 records
Key risks5 records
Key highlights6 records
Customer concentration
Carolina Insurance Group social profiles
Digital presenceCarolina Insurance Group compliance and trust
Trust signalCompliance1 record
Carolina Insurance Group financial estimates
Financial estimateRevenue estimate
Valuation estimate
Carolina Insurance Group leadership team
Management profileNumber of profiles
Profiles2 records
Carolina Insurance Group subsidiaries and ownership
Company hierarchySubsidiaries1 record
Carolina Insurance Group funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Carolina Insurance Group M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Carolina Insurance Group
What does Carolina Insurance Group do?
Carolina Insurance Group is an independent insurance agency that places personal, commercial, life, and specialty (lake/watercraft, logger) insurance policies on behalf of South Carolina consumers and small/mid-sized businesses through its appointments with roughly 30-40 insurance carriers (Progressive, Travelers, Liberty Mutual, AIG, The Hartford, Kemper, Auto-Owners, Foremost, Penn National, and others). The agency earns carrier commissions and provides ongoing servicing, endorsements, and renewals through nine physical branches across South Carolina plus a Wix-hosted website and SEMCAT-powered online lead forms.
Is Carolina Insurance Group a public or private company?
Carolina Insurance Group is a private company. It is classified as founder individual operated bootstrapped and is currently operating.
When was Carolina Insurance Group founded?
Carolina Insurance Group was founded in -1. It employs 1 to 10 people.
Where is Carolina Insurance Group based?
Carolina Insurance Group is headquartered in Lexington, United States, in the North America region.
How does Carolina Insurance Group make money?
Two revenue lines are on record. Insurance carrier commissions are the primary driver. The others are policy servicing and renewals.
Who are Carolina Insurance Group's main competitors?
Direct peers on record are Goosehead Insurance, Brightway Insurance, Insurance Office of America, Leavitt Group, World Insurance Associates, RPS (Risk Placement Services) and Burns & Wilcox. Broad incumbents are Hub International and Acrisure. Founders Insurance Group is listed as a regional player.
Does Carolina Insurance Group have an API?
No public API is recorded for Carolina Insurance Group.
What industry is Carolina Insurance Group in?
Carolina Insurance Group's product category is Independent Insurance Agency (Multi-Line P&C, Life, Specialty). Its primary akta.pro industry code is FSAEADAJ, Specialty Insurance Brokerage (Marine, Aviation, Cyber, Professional Lines), with a secondary code of FSAJAFAB, Mid-Market Commercial Package (Package Policies). Its NAICS code is 5242 and its SIC code is 6411.