Tidwell Agency Inc

What Tidwell Agency Inc does

Tidwell Agency, Inc. is a privately held, family-owned independent insurance agency founded in 1981 by Richard Tidwell in Batesburg-Leesville, South Carolina, and now headquartered in Lexington, SC. The agency provides personal insurance (auto, homeowners, life and health, boats and recreational vehicles) and commercial insurance (business, contractor's, manufacturer's, worker's compensation, cyber liability, surety bonds, commercial vehicle) to individuals, families, and businesses throughout South Carolina, including the Columbia and Greenville-Spartanburg regions. As an independent agency and Trusted Choice network member, Tidwell represents 18+ carrier partners — including Travelers, Liberty Mutual, Progressive, The Hartford, Auto-Owners, and Blue Cross Blue Shield — and earns commissions on policies placed across these carriers.

The company operates a sales-led distribution model with licensed agents delivering personalized consultation via office visits, phone, email, and online quote requests. The technology stack is described as a standard insurance agency operations platform with web presence and customer relationship management; there is no proprietary technology or AI/ML capability disclosed. Revenue is generated entirely through carrier commissions on premiums written, with pricing individualized based on risk profile and carrier underwriting. The agency is multi-generational: founder Richard Tidwell remains involved, his son Chris Tidwell (Furman University, CPCU and CIC designations) serves as President, and his daughter Cindy Tidwell West serves as Office Manager. The agency is small (11-50 employees, with approximately 8 named staff), privately held with no parent company, no institutional investment, and no disclosed funding rounds.

Name

Tidwell Agency Inc

Legal name

Tidwell Agency, Inc.

Website

https://tidwellagencyinc.com

Company type

Private

Founded year

1981

Operating status

Operating

Headcount range

11–50 employees

Short description

Tidwell Agency, Inc. is a family-owned independent insurance agency in Lexington, South Carolina, serving individuals and businesses across the state with personal and commercial insurance products from 18+ carrier partners. Founded in 1981, it operates as a Trusted Choice agency earning commissions on auto, home, life, and business coverage.

Ownership category

akta.pro rank

Product category

Insurance Brokerage Services

NAICS

Agencies, Brokerages, and Other Insurance Related Activities (5242), Insurance Agencies and Brokerages (52421)

SIC

Insurance Agents, Brokers & Service (6411)

akta.pro primary industry

Personal Auto Insurance (FSAJAMAA)

Keywords

• Independent insurance agency
• Personal insurance coverage
• Commercial insurance solutions
• Workers compensation coverage
• Insurance broker services

Headquarters

HQ city

Lexington

HQ country

United States

HQ region

North America

Offices2 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

Personnel, Operations, Marketing or Sales, Others

Revenue model

1. Insurance Commissions: Earns commissions from insurance carrier partners for policies placed. As an independent agency, they represent multiple insurance companies and receive commission income based on premiums written for auto, home, life, health, and business insurance products.

Pricing tiers

Go-to-market motion1 record

Distribution channels3 records

Marketing channels4 records

Core offering

Tidwell Agency is an independent insurance agency that places personal and commercial insurance policies on behalf of clients by comparing carriers and recommending coverage. Core offerings include auto, homeowners, life and health, boats and recreational vehicles, and a broad commercial book spanning business, contractors, manufacturers, workers compensation, cyber liability, and surety bonds. Revenue is earned via carrier commissions, with agents providing comparison shopping, bundling advice, and ongoing claims advocacy.

Product overview

Tidwell Agency Inc is an independent insurance agency offering a comprehensive portfolio of insurance products and services. The agency operates as a single unified service offering with no modular platform architecture. Their core products include Business Insurance (with specialized sub-products for contractors, manufacturers, and worker's compensation), Homeowner's Insurance, Auto Insurance (with boats and recreational vehicles coverage), and Life & Health Insurance. Additional specialized coverage includes cyber liability, general liability, professional liability (errors and omissions), flood insurance, surety bonds, and commercial vehicle insurance. As an independent agency representing multiple insurance companies, they compare quotes and policies on behalf of clients to find competitive rates and tailored coverage.

Differentiator

Problem solved

Functional benefit

Products and services

• Auto Insurance Auto insurance coverage for individuals and families, including liability and vehicle protection with discount options such as teen driver, safe driver, and policy bundling.
• Homeowner's Insurance Homeowners insurance tailored to individual needs, covering personal property, dwelling, other structures, loss of use, and personal liability, with available flood insurance through the NFIP.
• Life & Health Insurance Life and health insurance for families, including whole-life, universal life, and term life policies plus health coverage options placed through carrier partners including Blue Cross Blue Shield.
• Boats & Recreational Vehicles Insurance Insurance coverage for boats, RVs, campers, ATVs, snowmobiles, dirt bikes, golf carts, and other recreational vehicles and outdoor toys.
• Business Insurance Business insurance solutions covering small and large businesses across multiple industries including manufacturing, distribution, contractors, body shops, jewelry stores, and retail operations, with protection against fraud, theft, liability, and related risks.
• Contractor's Insurance Specialized business insurance for contractors covering general liability, bodily injury, personal injury, advertising injury, independent contractor liability, and product/completed operations liability.
• Manufacturer's Insurance Insurance coverage for manufacturing businesses including product liability protection for companies that make, distribute, or sell products.
• Worker's Compensation Workers compensation insurance coverage for businesses to protect employees and comply with South Carolina state requirements.
• Cyber Liability Insurance Insurance coverage protecting businesses from liability for losing employee or customer data, covering costs associated with cyber attacks and data breaches.
• Surety Bonds Bond coverage for contractors working with government agencies, including bid bonds, payment bonds, performance bonds, and ancillary bonds.

Quantifiable outcome

• Multi-policy discounts available for bundling homeowners and auto insurance

Named customers6 records

Segments2 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

18 partnerships are on record, tiered minor and core.

• Accident FundminorChannel Partner/ Reseller/ DistributorWorkers compensation insurance carrier partnered with agency for commercial lines coverage
• AmerisafeminorChannel Partner/ Reseller/ DistributorWorkers compensation and insurance carrier for commercial coverage offerings
• Auto-Owners InsurancecoreChannel Partner/ Reseller/ DistributorPersonal and commercial insurance carrier offering auto, home, and business policies
• Blue Cross Blue Shield AssociationcoreChannel Partner/ Reseller/ DistributorHealth and life insurance carrier for individual and group coverage
• EMC InsuranceminorChannel Partner/ Reseller/ DistributorCommercial and personal lines insurance carrier
• Foremost Insurance GroupminorChannel Partner/ Reseller/ DistributorSpecialty insurance for recreational vehicles, boats, and mobile homes
• Jewelers Mutual Insurance CompanyminorChannel Partner/ Reseller/ DistributorSpecialty insurance carrier for jewelry businesses and personal jewelry coverage
• Liberty Mutual InsurancecoreChannel Partner/ Reseller/ DistributorPersonal and commercial insurance carrier offering auto, home, and business coverage
• Markel - FirstCompminorChannel Partner/ Reseller/ DistributorWorkers compensation insurance carrier specializing in small business coverage
• ProgressivecoreChannel Partner/ Reseller/ DistributorAuto and personal insurance carrier known for competitive auto rates
• Safeco InsuranceminorChannel Partner/ Reseller/ DistributorPersonal insurance carrier for auto, home, and umbrella coverage
• Southern Mutual Church Insurance CompanyminorChannel Partner/ Reseller/ DistributorSpecialty insurance carrier for church properties and organizations
• Southern TrustminorChannel Partner/ Reseller/ DistributorInsurance carrier for various commercial and personal lines
• State Auto Insurance CompaniesminorChannel Partner/ Reseller/ DistributorCommercial and personal insurance carrier
• The HartfordcoreChannel Partner/ Reseller/ DistributorLarge insurance carrier offering business, auto, home, and group benefits coverage
• TravelerscoreChannel Partner/ Reseller/ DistributorMajor commercial and personal insurance carrier offering comprehensive coverage options
• Utica National Insurance GroupminorChannel Partner/ Reseller/ DistributorInsurance carrier including workers compensation and commercial lines
• Trusted ChoicecoreStrategic or Co-development PartnerNational network of independent insurance agencies. Tidwell Agency is a member and adheres to the Trusted Choice Pledge of Service, committing to standards of quality, competitive pricing, broad product choice, and advocacy for clients.

Scale indicators2 records

Recent moves6 records

Expansion highlights5 records

Direct peers

• Heffernan Insurance Brokers: Mid-sized independent insurance brokerage offering personal, commercial, and employee benefits across multiple U.S. regions. Comparable to Tidwell in being a multi-carrier independent agency serving SMB and individual clients with a relationship-led model.
• Leavitt Group: Network of independent insurance agencies across the western U.S., providing personal and commercial lines through multiple carrier partnerships. Closely mirrors Tidwell's structure of an independent, multi-carrier agency focused on local relationships.
• Burns & Wilcox: Specialty wholesale insurance brokerage distributing complex commercial and personal lines through retail agents. Comparable to Tidwell's commercial specialization in niche verticals (manufacturing, contractors, jewelers) and specialty carrier partnerships.
• Hilb Group: Mid-market insurance brokerage with regional offices across the eastern U.S., focused on commercial and personal lines. Comparable in size, geographic roll-up strategy, and SMB/mid-market commercial client base.
• RPS (Risk Placement Services): Specialty wholesale insurance broker and managing general agency serving retail agents with complex commercial placements. Comparable to Tidwell's specialty commercial focus and access to niche carrier partners.

Broad incumbents

• Brown & Brown: Large national insurance brokerage distributing personal and commercial lines through a network of offices. Comparable in offering multi-carrier independent agency services, but at vastly greater scale and geographic reach than Tidwell.
• Arthur J. Gallagher: Global insurance brokerage and risk management services firm serving commercial and personal clients. Overlaps with Tidwell's commercial and personal lines offerings but operates at much larger scale with broader capabilities.
• Marsh McLennan: Global professional services firm offering insurance brokerage, risk management, and consulting. Overlaps with Tidwell's commercial insurance placement but serves primarily enterprise and large-mid-market clients.

Emerging players

• Insurify: Digital insurance comparison and marketplace platform enabling consumers to compare and purchase auto, home, and life policies online. Represents the digital-first channel that competes with traditional independent agencies like Tidwell for the same personal lines customers.
• Policygenius: Online insurance marketplace for life, disability, home, and auto coverage. Targets the same individual and family customer segment as Tidwell but with a fully digital, self-serve buying experience.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat3 records

Key risks6 records

Key highlights6 records

Customer concentration

• Facebookfacebook.com/pages/Tidwell-Agency-Inc/275164659255152
• LinkedInlinkedin.com/company/tidwell-insurance-agency

Revenue estimate

Valuation estimate

Number of profiles

Profiles8 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 Tidwell Agency Inc