South & Western

Name

South & Western

Legal name

South & Western General Agency, Inc.

Website

https://southandwestern.com

Company type

Private

Founded year

1974

Operating status

Operating

Headcount range

101–250 employees

Ownership category

akta.pro rank

Headquarters

HQ city

Addison

HQ country

United States

HQ region

North America

Offices3 records

Markets served

GTM type

B2B

Offering type

Services

Cost components

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

Revenue model

1. Insurance Agency Commissions: South & Western earns commissions from insurance carriers for placing business. As a Managing General Agency, they receive binding authority commissions from their carrier partners including American Modern, Northland, USLI, Nautilus, Travelers, and others.
2. Premium Finance Services: S&W Premium Finance Company provides premium financing to policyholders, generating interest income and service fees from installment payment arrangements on policies underwritten by South & Western

Pricing tiers

Go-to-market motion1 record

Distribution channels1 record

Marketing channels7 records

Core offering

South & Western is a Managing General Agency (MGA) that distributes specialty property and casualty insurance exclusively through professional independent retail insurance agents. Through binding authority from multiple A.M. Best 'A' rated carriers, the company offers four specialty product lines—Personal Lines, Farm & Ranch, Commercial Transportation, and Commercial P&C—accessible via the Rate Retriever online quoting and submission platform. The wholly-owned S&W Premium Finance Company provides in-house premium financing with online account management.

Product overview

South & Western General Agency, Inc. is a Managing General Agency (MGA) that operates as a multi-line insurance distribution platform rather than a single product. The company provides four main product lines through a network of A.M. Best-rated carriers: Specialty Personal Lines (mobile homes, dwellings, homeowners, coastal properties, renters/condo, collector cars, motorcycles, personal umbrella, watercraft, CPL/in-home business, and flood), Farm & Ranch (ISO packages, irrigation/vacant land, auto & umbrella), Commercial Transportation (non-fleet, fleet, public auto, cargo/physical damage), and Commercial P&C (scheduled dwelling, E&S, garage, professional liability, flood, liquor liability/umbrella, food trucks/special events). The company also operates S&W Premium Finance Company for policy payment plans and provides agents with Rate Retriever digital platform for online quoting and submissions.

Differentiator

Problem solved

Functional benefit

Brands

• S&W Premium Finance Company, Inc. Premium finance subsidiary offering competitive interest rates with payment plans tailored to meet agency and client needs.

Products and services

• Mobilehome Insurance Specialty insurance for manufactured and mobile homes offered in comprehensive or DP-2 fire forms, covering owner-occupied, rental, vacant, tenant, and light commercial risks with no age limits, written for property owners via independent agents.
• Dwellings Insurance Dwelling fire insurance in DP-1, DP-2, and DP-3 forms covering owner-occupied, rental, seasonal, or vacant dwellings with replacement cost, liability, and fair rental value options for property owners.
• Homeowners Insurance Specialty homeowners insurance for risks that don't fit standard markets, providing coverage for homes with up to 4 previous claims and values from under $100,000 to over $1,000,000.
• Coastal Dwelling, Homeowners, and Mobile Home Insurance Wind and coastal property insurance for dwellings and mobile homes located in first and second tier coastal counties (excluding Texas, Mississippi, and Louisiana coastal counties) with property values up to $300,000.
• Renters and Condo Insurance HO-4 and HO-6 form insurance for condominium renters, owners, and co-op owners offering Coverage A up to $500,000 and personal liability up to $1,000,000.
• Collector Car Insurance Specialty collector and antique vehicle insurance delivered through American Modern for antique, classic, collectible, custom, exotic, street rod, kit cars, and restored vehicles with agreed-value total loss settlement.
• Motorcycle Insurance Motorcycle insurance delivered through American Modern with $3,000 accessory coverage, replacement cost option, and features for street-driven bikes.
• Personal Umbrella Insurance Stand-alone personal umbrella insurance providing up to $5,000,000 in coverage with standard and preferred admitted options for households with up to five at-fault accidents and ten violations.
• Watercraft Insurance Watercraft insurance through American Modern covering powerboats, trawlers, jet skis, sailboats, sport-fishers, pontoons, and houseboats with full coverage or liability-only options.
• CPL and In-Home Business Insurance Comprehensive personal liability and in-home business coverage with premises/operations liability up to $1,000,000/$2,000,000, business personal property, and errors & omissions coverage.
• Personal Flood Insurance Flood insurance offering both private and NFIP options with dwelling values up to $1,250,000, contents up to $875,000, and additional living expenses up to $250,000.
• ISO Package (Farm and Ranch) Farm and ranch ISO package insurance covering gentlemen farms through complex agri-business exposures with no maximum dwelling value and features such as livestock collision and identity fraud expense coverage.
• Irrigation and Vacant Land Insurance Specialty inland marine coverage for self-propelled irrigation equipment and general liability for vacant land, with online rate and submit capabilities for farms and ranch operators.
• Farm Auto and Umbrella Insurance Farm auto and umbrella insurance covering personal autos through large grain trucks for on- and off-road use with no age restrictions and umbrella limits up to $5,000,000.
• Non-Fleet Commercial Trucking Insurance Commercial trucking insurance for non-fleet for-hire trucking risks including owner operators, grain haulers, livestock haulers, and non-trucking/bobtail coverage.
• Fleet Commercial Trucking Insurance Fleet trucking insurance covering small to large fleets with dry van, flat bed, intermodal, reefer breakdown coverage, and MCS-90 filings support.
• Public Auto Insurance Public auto insurance for passenger transport vehicles including airport shuttles, church vans, courtesy shuttles, limousines, and daycare vans with limits to $1,500,000 CSL.
• Cargo and Physical Damage Insurance Mono-line cargo and physical damage insurance for trucking risks with an AM Best A+ carrier, ISO forms, agency billing, and in-house premium financing available.
• Schedule Dwelling (Commercial Investor) Insurance Commercial investor dwelling program allowing scheduling of unlimited rental dwellings on a single policy with basic, broad, and special coverage options.
• Excess and Surplus (E&S) Lines Insurance Excess and Surplus lines insurance for non-standard risks with dwelling values up to $1,000,000, excess liability up to $5,000,000, and online quote and binding capabilities.
• Garage and Garage Keepers Insurance Garage and garage keepers insurance for auto dealers, repair shops, detailing businesses, tow truck operators, and valet parking services with dedicated filings departments.
• Professional Liability Insurance D&O, EPL, and E&O professional liability insurance through USLI offering competitively priced coverage for mid to small risks across various professional liability class hit zones.
• Commercial Flood Insurance Commercial flood insurance through CHUBB, Hiscox (Lloyd's of London), and Selective Insurance Group with both private and NFIP options, providing enhanced coverages not available with the NFIP program.
• Liquor Liability and Commercial Umbrella Insurance Liquor liability and commercial umbrella insurance covering bars, restaurants, caterers, and retail liquor stores with limits up to $1,000,000 and coverage for over 1,400 classes.
• Food Trucks and Special Events Insurance Mobile concessions and special event insurance covering food trucks, mobile canteens, catering, concerts, haunted houses, and parades with short-term or annual policy options.
• S&W Premium Finance Company Services Premium financing service delivered by S&W Premium Finance Company, Inc. (wholly-owned subsidiary) offering competitive interest rates with payment plans tailored to agency and client needs, including 24/7 online account access and online payment processing via credit card and ACH for policyholders of South & Western underwritten policies.

Quantifiable outcome

• Multiple A.M. Best 'A' and 'A+' rated carrier options available for agents

Named customers2 records

Segments4 records

Ideal customer profiles1 record

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature2 records

Partnerships

18 partnerships are on record, tiered core and major.

• American Modern Insurance Group (AMIG)coreChannel Partner/ Reseller/ DistributorA.M. Best 'A+' XV rated carrier (member Munich Re) providing specialty commercial P&C products. Long-standing partnership since the company was founded in 1974 for mobile home and RV coverage.
• Northland Insurance Company (Travelers)coreChannel Partner/ Reseller/ DistributorA.M. Best 'A++' XV rated carrier (member Travelers Group) providing commercial transportation products including fleet and non-fleet coverage.
• United States Liability Insurance (USLI)coreChannel Partner/ Reseller/ DistributorA.M. Best 'A++' X rated carrier providing professional liability, commercial umbrella, and specialty commercial lines products.
• Nautilus Insurance Group (W.R. Berkley)coreChannel Partner/ Reseller/ DistributorA.M. Best 'A+' XV rated carrier (member W.R. Berkley Group) providing specialty commercial P&C products including garage coverage.
• Selective Insurance GroupcoreChannel Partner/ Reseller/ DistributorA.M. Best 'A+' rated carrier (member Selective) providing specialty commercial P&C (Flood) and specialty personal lines (Flood) products. MUSIC brand.
• TravelerscoreChannel Partner/ Reseller/ DistributorA.M. Best rated carrier providing farm & ranch, commercial P&C, and transportation products including Performance Plus Link for Northland.
• National Indemnity (Berkshire Hathaway)coreChannel Partner/ Reseller/ DistributorA.M. Best 'A++' XV rated carrier (member Berkshire Hathaway) providing commercial transportation products.
• Great American Insurance GroupmajorChannel Partner/ Reseller/ DistributorA.M. Best 'A+' XIV rated carrier (member American Financial Group) providing commercial property and casualty products.
• Atlantic CasualtymajorChannel Partner/ Reseller/ DistributorA.M. Best 'A+' IX rated carrier providing specialty commercial products.
• Colony Specialty (Argo Group)majorChannel Partner/ Reseller/ DistributorA.M. Best 'A' XIII rated carrier (member Argo Group) providing farm & ranch/agribusiness products.
• Canal InsurancemajorChannel Partner/ Reseller/ DistributorA.M. Best 'A-' IX rated carrier providing commercial transportation products.
• RLImajorChannel Partner/ Reseller/ DistributorA.M. Best 'A+' XI rated carrier providing specialty insurance products including professional liability.
• Nationwide E&S SpecialtymajorChannel Partner/ Reseller/ DistributorNationwide excess and surplus lines carrier providing commercial transportation products.
• Lloyd's of LondonmajorChannel Partner/ Reseller/ DistributorA.M. Best 'A' XV rated global insurance market providing specialty insurance products.
• Aegis HomesitemajorChannel Partner/ Reseller/ DistributorA.M. Best 'A' XV rated carrier providing specialty personal lines products including homesite coverage.
• CHUBBmajorChannel Partner/ Reseller/ DistributorPrivate flood insurance option through South & Western's flood program, offering enhanced coverages not available with NFIP program.
• Hiscox (Lloyd's of London)majorChannel Partner/ Reseller/ DistributorPrivate flood insurance option through South & Western's flood program, providing coverage through Lloyd's of London.
• Bridge Specialty GroupcoreStrategic or Co-development PartnerParent company/identity provider for South & Western's authentication system. South & Western is part of Bridge Specialty Group.

Scale indicators6 records

Recent moves8 records

Expansion highlights5 records

Direct peers

• RPS (Risk Placement Services): RPS is a leading specialty insurance wholesale distributor and MGA platform offering personal, commercial, and transportation specialty products distributed through independent retail agents — directly analogous to South & Western's go-to-market.
• J.M. Wilson: J.M. Wilson is a managing general agency and wholesale distributor focused on commercial transportation, garage, and specialty commercial lines for retail agents — closely matching South & Western's commercial transportation and commercial P&C units.
• Brown & Riding Insurance Services: Brown & Riding is a specialty wholesale broker and MGA focused on non-standard and excess & surplus lines, distributing through independent retail agents across property, casualty, and specialty lines comparable to South & Western.
• Breckenridge Insurance Group: Breckenridge Insurance Group is a specialty MGA and wholesale distributor offering E&S, professional liability, transportation, and personal specialty products to retail agents — overlapping core South & Western categories.
• Burns & Wilcox: Burns & Wilcox is one of the largest independently owned specialty insurance wholesalers/MGAs in North America, distributing through retail agents across specialty personal and commercial lines directly comparable to South & Western's four-unit model.
• Hull & Company: Hull & Company is a large wholesale insurance broker and MGA that handles premium trust and premium finance lockbox services for South & Western; they operate in overlapping specialty lines including property, casualty, and transportation across similar geographies.
• CRC Insurance Group: CRC Insurance Group is a major wholesale broker and MGA providing specialty products to retail agents, with similar specialty personal lines, commercial P&C, and transportation offerings as South & Western.
• SkyCover Insurance Services: SkyCover Insurance Services is a specialty MGA platform offering E&S, transportation, and commercial lines distributed through retail agents in the southern and midwestern U.S., with significant overlap to South & Western's geographic and product footprint.

Broad incumbents

• Amwins: Amwins is the largest specialty wholesale distributor in the U.S., operating MGA, brokerage, and reinsurance units with significantly broader scale than South & Western but overlapping specialty lines and agent-distribution model.
• Bridge Specialty Group: Bridge Specialty Group is the parent platform that South & Western operates within, providing authentication, carrier relationships, and a broader specialty distribution portfolio across MGA and wholesale operations.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat4 records

Key risks6 records

Key highlights6 records

Customer concentration

• YouTubeyoutube.com/channel/UCWXuIyezZvcsXJe5H-z7drA
• Facebookfacebook.com/BrightonSW
• LinkedInlinkedin.com/company/south-&-western
• Xx.com/southandwestern

Revenue estimate

Valuation estimate

Number of profiles

Subsidiaries1 record

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 South & Western