Southern Trust Insurance

What Southern Trust Insurance does

Southern Trust Insurance is a privately held regional property and casualty insurer founded in 1968 and headquartered in Macon, Georgia. The company underwrites both personal and commercial lines, offering homeowners, condominium, renters, personal umbrella, auto, motorhome, trailer, business, commercial auto, and commercial umbrella policies. It serves more than 10,000 policyholders exclusively through a network of more than 300 professional independent insurance agents operating across Georgia, Tennessee, and South Carolina. The company has maintained an A.M. Best financial strength rating of A-Excellent or higher for over 30 years.

The company's operating technology is centered on standard insurance distribution infrastructure: an insured self-service portal for bill payment and document access, an online claims intake form that routes to a claims representative, a dedicated agent portal, and a third-party Paymentus integration for online premium payment. There is no public API, no mobile application, and no disclosed AI or machine learning capability. The product portfolio is delivered through human-agent relationships rather than direct-to-consumer digital channels, and pricing is quote-based, with competitive rates supported by a menu of standard insurance discounts (multi-policy, paid-in-full, good student, multi-car, defensive driver, and protective device).

Southern Trust generates revenue primarily through recurring insurance premiums collected from policyholders, billed typically on a monthly cadence. Its 2024-2025 leadership refresh, including a new Chief Executive Officer, Chief Financial Officer, Chief Information Officer, and Chief Underwriting Officer (an FCAS actuary), points to a deliberate professionalization of the operating model rather than a near-term strategy of aggressive geographic or product expansion. The company is independently owned with no disclosed parent, institutional investor, or acquisition activity, and operates as a regional Southeast carrier with a 60-plus-year operating history.

Name

Southern Trust Insurance

Legal name

Southern Trust Insurance

Website

https://stins.com

Company type

Private

Founded year

1968

Operating status

Operating

Headcount range

51–100 employees

Short description

Southern Trust Insurance is a privately held regional property and casualty insurer founded in 1968 in Macon, Georgia, serving more than 10,000 policyholders through 300-plus independent agents in Georgia, Tennessee, and South Carolina with personal and commercial lines.

Ownership category

akta.pro rank

Product category

Property and Casualty Insurance

NAICS

Direct Property and Casualty Insurance Carriers (524126), Direct Insurance (except Life, Health, and Medical) Carriers (52412)

SIC

Fire, Marine & Casualty Insurance (6331)

akta.pro primary industry

Homeowners Insurance (FSAJACAA)

akta.pro secondary industries

Property Insurance (Homeowners, Renters & Commercial Property) (FSAJAMAD), Standard Personal Auto Insurance (Liability, Collision & Comprehensive) (FSAJAAAA), General Liability Insurance (FSAJAMAE), Hired & Non-Owned Auto (FSAJABAE)

Keywords

• Personal insurance products
• Commercial business insurance
• Independent insurance agents
• Property and casualty
• Claims management services

Headquarters

HQ city

Macon

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

Personnel, Operations, Technology or R&D, Marketing or Sales, Infrastructure, Others

Revenue model

1. Insurance Premiums: Southern Trust generates revenue through insurance premiums collected from policyholders. The company offers personal lines insurance (homeowners, condo, renters, umbrella, auto, motorhome, trailers) and commercial insurance (business, commercial auto, commercial umbrella). Premiums are collected through independent agent channels with various payment options including paid in full discounts.

Pricing tiers

Go-to-market motion1 record

Distribution channels1 record

Marketing channels4 records

Core offering

Southern Trust Insurance underwrites and distributes personal and commercial property and casualty insurance products, including homeowners, condo, renters, personal umbrella, auto, motorhome, trailer, business, commercial auto, and commercial umbrella coverage. Policies are sold exclusively through a network of more than 300 independent agents across Georgia, Tennessee, and South Carolina, and supported by online bill payment, document access, and online claim filing tools.

Product overview

Southern Trust Insurance is an independent insurance company operating since 1968, offering a portfolio of personal and commercial insurance products through a network of over 300 independent agents across Georgia, Tennessee, and South Carolina. The personal lines include Homeowners, Condominium, Renters, and Personal Umbrella insurance, while the auto coverage encompasses standard vehicle, Motorhome, and Trailer insurance. Commercial offerings include Business Insurance (covering service/retail, office/professional services, artisan contractors, wholesalers, garage, and commercial property owners), Commercial Auto, and Commercial Umbrella policies. The company also provides claims services including Property Claims, Auto Claims, Catastrophe Claims, Roadside Assistance, and Glass/Windshield Repair, supported by digital services including an online bill payment portal and insured document management.

Differentiator

Problem solved

Functional benefit

Products and services

• Homeowners Insurance Residential property insurance covering dwelling, other structures, personal property, personal liability, medical payments to others, and additional living expenses for homeowners in the Southeast US.
• Condominium Insurance Insurance product tailored for condominium owners, addressing the unique coverage needs of condo units and shared ownership arrangements.
• Renters Insurance Affordable personal property and liability coverage for renters protecting possessions against theft, fire, pipe bursts, smoke damage, and vandalism, including recovery expenses.
• Personal Umbrella Insurance Additional personal liability coverage exceeding home and auto policy limits, including personal injury, libel, slander, defamation, mental anguish, and legal expenses.
• Auto Insurance Vehicle coverage including liability, uninsured/underinsured motorist, collision, comprehensive (fire, theft, vandalism, glass breakage), and 24-hour roadside assistance.
• Motorhome Insurance Custom coverage for motorhomes, travel trailers, and campers protecting owners whether driving cross-country or parked at a campground.
• Trailer Insurance Liability and physical damage coverage for utility trailers, including automatic liability when attached to the insured vehicle and coverage for borrowed trailers.
• Business Insurance Commercial coverage combining property and liability into one policy, tailored for service and retail, office and professional services, artisan contractors, wholesalers, garage operations, and commercial property owners.
• Commercial Auto Insurance Flexible commercial vehicle coverage for businesses depending on vehicles for operations, with broad protection including paid-in-full discounts, hired and non-hired vehicle coverage, and roadside assistance.
• Commercial Umbrella Insurance Additional liability coverage above and beyond standard commercial policy limits, also covering accidents that may not be covered by existing business insurance.

Quantifiable outcome

• 24-hour claims service available
• +2 more outcomes

Segments10 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration1 record

Feature3 records

Partnerships

One partnership is on record.

• Southern Specialty UnderwritersminorChannel Partner/ Reseller/ DistributorSouthern Specialty Underwriters (ssund.com) is referenced as a related entity and partner link in the Southern Trust website footer, indicating a collaborative relationship in the insurance distribution ecosystem.

Scale indicators6 records

Recent moves6 records

Expansion highlights4 records

Direct peers

• Auto-Owners Insurance: Mid-sized mutual P&C insurer distributing exclusively through independent agents across the Southeast and Midwest with personal and commercial lines. Closely comparable to Southern Trust in agent-channel go-to-market, multi-line personal/commercial mix, and regional concentration.
• Erie Insurance: Regional P&C carrier selling personal and commercial lines through independent agents in the Eastern and Southeastern US. Comparable in agent-channel model, regional footprint, multi-line product breadth, and emphasis on service quality.
• Shelter Insurance: Mutual P&C insurer operating primarily in the Midwest and Southeast through exclusive and independent agents offering auto, home, and commercial coverage. Comparable regional carrier profile with similar multi-line agent-distributed model.
• Cincinnati Financial: Independent-agent-driven P&C carrier with personal and commercial lines concentrated in the Midwest and Southeast. Closely comparable go-to-market through independent agents, conservative underwriting culture, and strong A.M. Best ratings.
• Donegal Group: Regional P&C holding company writing personal and commercial lines through independent agents in the Mid-Atlantic, Midwest, and Southeast. Comparable agent-channel distribution, regional focus, and small-to-mid commercial emphasis.
• Grange Insurance: Mutual P&C insurer operating in the Midwest and Southeast through independent agents offering personal auto, home, and commercial coverage. Comparable regional carrier with agent-distributed personal and small-commercial product mix.

Regional players

• Georgia Farm Bureau Insurance: Georgia-based P&C carrier selling personal lines (home, auto) through captive agents primarily in Georgia and adjacent Southeast states. Comparable product mix and Southeast regional focus, though distribution is captive rather than independent.

Broad incumbents

• Auto-Owners Insurance (Southern Heritage brand / regional peers): Among broader incumbents, Travelers offers personal and commercial P&C across the Southeast via independent agents, with significantly larger scale and technology investment. Comparable product set and channel, but operates as a broad national incumbent rather than a regional specialist.
• Travelers: National P&C incumbent offering personal and commercial lines through independent agents and direct channels across all 50 states, including Georgia, Tennessee, and South Carolina. Comparable product set and overlapping agent channel, but with substantially greater scale and technology investment.

Emerging players

• PURE Group (Privilege Underwriters Reciprocal Exchange): Member-owned P&C insurer focused on high-net-worth homeowners, auto, and umbrella coverage distributed through a network of high-performing independent agents in select Southeast and coastal markets. Comparable agent-mediated distribution and emphasis on service quality, though targeting a wealthier niche.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks5 records

Key highlights6 records

Customer concentration

• LinkedInlinkedin.com/company/southern-trust-insurance

Revenue estimate

Valuation estimate

Number of profiles

Profiles5 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Southern Trust Insurance