Southwestern Insurance Group

What Southwestern Insurance Group does

Southwestern Insurance Group is an independent insurance agency headquartered at 2451 Atrium Way in Nashville, Tennessee, founded in 2018 and operating as part of the Southwestern Family of Companies, a 20-company direct-sales conglomerate. The firm represents more than 18 insurance carriers — including Allstate, Progressive, Travelers, Geico, Safeco, Nationwide, Liberty Mutual, Chubb, Hanover, Openly, and Palomar — and distributes both personal and commercial lines spanning home, auto, umbrella, life, flood, renters, specialty personal lines (RV, motorcycle, classic car, yacht, wedding, travel, watercraft), and commercial lines (business owners policy, workers' compensation, cyber liability, D&O, E&O, builders risk, commercial umbrella, key person life). The agency is licensed to operate across five states: Tennessee, Georgia, Texas, Florida, and Illinois.

The agency's customer engagement model is relationship-driven: licensed insurance advisors deliver quotes via phone, email, in-person consultations, and online quote forms, supported by a 24/7 Client Center portal for claims reporting, service requests, and bill payment. The Clickable Coverage® educational graphics used on the website are a third-party trademark of FMG Suite/Agency Revolution, indicating reliance on standard agency-marketing tooling rather than proprietary technology infrastructure. There are no AI/ML capabilities, APIs, or proprietary underwriting or pricing models disclosed; the agency does not appear to operate custom technology beyond a content website and lead-capture forms.

Southwestern Insurance Group earns revenue through standard insurance carrier commissions on personal and commercial premiums placed through its partnered carriers. Pricing is quote-based and customized to each customer, with home-and-auto bundling producing multi-policy discounts reported at 10-25%. The agency is endorsed as a RamseyTrusted Insurance Endorsed Local Provider (ELP) by financial commentator Dave Ramsey, providing a credibility asset and lead source via Ramsey's media properties including the EveryDollar website. The company maintains an estimated 1-10 employees and reports 1,100 five-star Google Reviews, with David Stuart serving as Founder & President.

Name

Southwestern Insurance Group

Legal name

Southwestern Insurance Group

Website

https://swinsurancegroup.com

Company type

Private

Founded year

2018

Operating status

Operating

Headcount range

1–10 employees

Short description

Southwestern Insurance Group is an independent insurance agency based in Nashville, Tennessee, representing more than 18 carriers to deliver personal and commercial insurance products to individuals, families, and businesses across Tennessee, Georgia, Texas, Florida, and Illinois.

Ownership category

akta.pro rank

Product category

Insurance Brokerage

NAICS

Insurance Agencies and Brokerages (524210)

SIC

Insurance Agents, Brokers & Service (6411)

akta.pro primary industry

Retail (Personal Lines) Insurance Brokerage (FSAEADAA)

akta.pro secondary industries

Mid-Market Commercial Package (Package Policies) (FSAJAFAB), Commercial General Liability (CGL) (FSAJADAA), Individual Health Insurance Brokerage & Distribution (FSAIAEAL)

Keywords

• Independent insurance agency
• Personal insurance lines
• Commercial insurance coverage
• Multi-carrier insurance brokerage
• Risk management solutions

Headquarters

HQ city

Nashville

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

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

Revenue model

1. Insurance Commissions: As an independent insurance agency, Southwestern Insurance Group earns commissions from insurance carriers for policies sold and serviced. Commissions are typically a percentage of premium payments made by customers.

Pricing tiers

Go-to-market motion1 record

Distribution channels3 records

Marketing channels7 records

Core offering

Southwestern Insurance Group is an independent insurance agency that brokers personal and commercial insurance products on behalf of multiple carriers including Allstate, Progressive, Travelers, Geico, Safeco, Nationwide, Liberty Mutual, and Chubb. Licensed insurance advisors provide quotes, annual policy reviews, claims support, and ongoing service to customers across Tennessee, Georgia, Texas, Florida, and Illinois, earning commissions from carrier partners for policies placed.

Product overview

Southwestern Insurance Group operates as an independent insurance agency offering a comprehensive portfolio of personal and commercial insurance products. The agency functions as a broker representing multiple insurance carriers (including Allstate, Progressive, Travelers, Geico, Safeco, and others) to match customers with appropriate coverage. The product portfolio spans personal lines including home, auto, umbrella, life, health, and specialty coverages (motorcycles, RVs, classic cars, weddings, travel), as well as commercial lines covering business owners policies, workers compensation, cyber liability, general liability, commercial property, and various specialty coverages. The agency provides a Client Center platform for 24/7 claims reporting, policy servicing, and bill payment. As a RamseyTrusted Insurance ELP endorsed by Dave Ramsey, the agency markets itself to consumers seeking trustworthy, fee-free insurance guidance.

Differentiator

Problem solved

Functional benefit

Brands

• Southwestern Family of Companies: A collection of 20 companies across industries, all with two things in common: direct sales and building people.
• RamseyTrusted Insurance ELP

Products and services

• Home Insurance Coverage protecting homes against risks including fire, property damage, water damage, theft, and natural disasters, with options for replacement cost coverage, personal property protection, and liability coverage, offered to homeowners through partnered carriers.
• Auto Insurance Vehicle coverage protecting against liability, collision, comprehensive damage, medical payments, and uninsured/underinsured motorist coverage for cars and trucks, sourced across multiple carriers.
• Umbrella Insurance Excess liability coverage that supplements auto and homeowners policies, providing additional protection when primary coverage limits are exhausted.
• Individual Life Insurance Protection providing financial security for families including term, whole, and universal life insurance options to cover income replacement, funeral costs, and debt payoff.
• Renters Insurance Coverage for personal belongings and liability protection for individuals renting apartments, homes, or other dwellings.
• Condo Insurance Protection for condominium owners covering personal property, interior building elements, and liability within the unit.
• Watercraft Insurance Coverage for boats and water vessels protecting against damage, theft, liability, and equipment losses while in operation or storage.
• High Net Worth Insurance Specialized coverage for high-value homes, assets, and exposures exceeding standard policy limits, including scheduled valuables and excess liability.
• Motorcycle Insurance Specialized coverage for motorcycles including liability, collision, comprehensive, custom parts, and roadside assistance.
• Off-road Vehicle Insurance Protection for ATVs, dirt bikes, and off-road vehicles not typically covered by standard auto or homeowners policies.
• RV Insurance Coverage for recreational vehicles including motorhomes with enhanced personal possessions coverage, windshield protection, and trip interruption benefits.
• Snowmobile Insurance Specialty coverage for snowmobiles including liability, collision, and comprehensive protection for theft or weather damage.
• Classic Car Insurance Agreed-value coverage for collector, antique, and classic vehicles with guaranteed authentic parts replacement and limited usage terms.
• Wedding Insurance Specialized event coverage protecting against postponement, vendor failure, accidental damage to rings and attire, and extreme weather impacts.
• Special Event Insurance Liability and cancellation coverage for events including parties, reunions, and celebrations with host liquor liability options.
• Earthquake Insurance Specialty coverage bridging gaps in standard homeowners policies for earthquake damage to homes and possessions.
• Mobile Home Insurance Specialized protection for mobile and manufactured homes covering unique construction risks and optional transit coverage.
• Sinkhole Insurance Coverage for damage caused by sinkholes where standard homeowners policies typically exclude such losses.
• Rental Property Insurance Landlord coverage protecting property owners renting to tenants including building damage, lost rental income, and liability protection.
• Vacant Home Insurance Coverage for unoccupied homes when standard policies may reject claims after 30 days of vacancy due to increased risks.
• Valuable Possessions Insurance Scheduled coverage for jewelry, art, and collectibles exceeding standard homeowners sublimits with replacement value protection.
• Excess Liability Insurance Additional liability protection that kicks in when primary policy limits are reached, with lower premiums due to reduced payout likelihood.
• Yacht Insurance Luxury watercraft coverage with guaranteed payout options, liability protection, and optional towing and pollution coverage.
• Travel Insurance Trip protection including medical coverage, baggage loss, cancellation reimbursement, and emergency evacuation for travelers.
• SR-22 Filing State-mandated proof of insurance filing for high-risk drivers required after DUI, accidents, or license violations.
• Secondary Home Insurance Vacation property coverage accounting for extended vacancy periods and lower coverage limits typical of non-primary residences.
• Individual Health Insurance Personal health coverage for those without employer-sponsored plans, with flexibility in deductibles, co-pays, and preventative care options.
• Flood Insurance Separate policy coverage for flood damage through NFIP or write-your-own carriers, as standard homeowners policies exclude flooding.
• Workers' Compensation Insurance Coverage for employee workplace injuries and illnesses, required by law in most states, covering medical bills and lost wages.
• Cyber Liability Insurance Protection against data breach expenses, business interruption, crisis management, and third-party lawsuits from information security incidents.
• General Liability Insurance Broad coverage for bodily injury to third parties and physical damage to their property, required when meeting clients or accessing their equipment.
• Directors and Officers Liability Insurance Coverage protecting senior leadership from claims arising from poor business decisions, wrongful acts, and management errors.
• Builders Risk Insurance Property coverage for buildings under construction against fire, theft, vandalism, and weather damage during the building phase.
• Event Insurance Coverage for event cancellation costs, venue liability requirements, and postponement expenses for business functions.
• Commercial Bonds Surety, license, bid, performance, and lost instrument bonds providing guarantees for business contracts and regulatory compliance.
• Key Person Life Insurance Business-focused coverage compensating companies for financial losses when integral employees pass away or become critically ill.
• Vacant Building Insurance Specialized protection for empty commercial properties facing increased fire, theft, and vandalism risks when standard coverage may lapse.
• Business Owners Insurance Business Owners Policy (BOP) combining property and liability coverage including general liability, commercial property, and business income protection.
• Commercial Property Insurance Protection for business premises, equipment, and inventory against fire, theft, flooding, and natural disasters with lost income coverage.
• Business Auto Insurance Commercial vehicle coverage with higher liability limits than personal policies, including collision coverage for leased or financed vehicles.
• Errors and Omissions Liability Insurance E&O coverage protecting businesses that provide advice or services from financial losses due to professional mistakes or omissions.
• Commercial Umbrella Insurance Excess liability protection supplementing business policies when primary coverage limits are exceeded, typically ranging from $2M to $10M.

Quantifiable outcome

• 1,100 5-star Google Reviews

Named customers8 records

Segments3 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration1 record

Feature1 record

Partnerships

19 partnerships are on record, tiered core and minor.

• Southwestern Family of CompaniescoreStrategic or Co-development PartnerSouthwestern Insurance Group is part of the Southwestern Family of Companies, a collection of 20 companies across industries, all with two things in common: direct sales and building people. This affiliation provides operational support and brand association.
• Dave Ramsey / RamseyTrustedcoreGTM or Marketing PartnerAs a Dave Ramsey endorsed local provider (ELP) for insurance, Southwestern Insurance Group has been vetted and endorsed by financial expert Dave Ramsey. This endorsement provides access to Ramsey's audience of financially-conscious consumers and validates the agency as trustworthy and high-quality.
• AllstateminorChannel Partner/ Reseller/ DistributorInsurance carrier partner providing personal and commercial insurance products through the agency.
• ProgressiveminorChannel Partner/ Reseller/ DistributorInsurance carrier partner providing auto and other insurance products.
• TravelersminorChannel Partner/ Reseller/ DistributorInsurance carrier partner providing commercial and personal insurance products.
• GeicominorChannel Partner/ Reseller/ DistributorInsurance carrier partner providing auto insurance products.
• Safeco InsuranceminorChannel Partner/ Reseller/ DistributorInsurance carrier partner (Liberty Mutual subsidiary) providing personal insurance products.
• NationwideminorChannel Partner/ Reseller/ DistributorInsurance carrier partner providing personal and commercial insurance products.
• Liberty MutualminorChannel Partner/ Reseller/ DistributorInsurance carrier partner providing personal and commercial insurance products.
• ChubbminorChannel Partner/ Reseller/ DistributorInsurance carrier partner providing commercial and personal insurance products.
• American ModernminorChannel Partner/ Reseller/ DistributorInsurance carrier partner (Munich Re subsidiary) providing specialty insurance products.
• Hanover InsuranceminorChannel Partner/ Reseller/ DistributorInsurance carrier partner providing commercial insurance products.
• National GeneralminorChannel Partner/ Reseller/ DistributorInsurance carrier partner providing auto and other insurance products.
• ForemostminorChannel Partner/ Reseller/ DistributorInsurance carrier partner providing specialty insurance products including manufactured housing.
• OpenlyminorChannel Partner/ Reseller/ DistributorInsurance carrier partner providing home insurance products.
• PalomarminorChannel Partner/ Reseller/ DistributorInsurance carrier partner providing specialty insurance products.
• The General InsuranceminorChannel Partner/ Reseller/ DistributorInsurance carrier partner providing auto insurance products.
• TrexisminorChannel Partner/ Reseller/ DistributorInsurance carrier partner providing auto insurance products.
• AegisminorChannel Partner/ Reseller/ DistributorInsurance carrier partner providing insurance products.

Scale indicators3 records

Recent moves6 records

Expansion highlights5 records

Direct peers

• TGS Insurance Agency: Independent insurance agency offering personal and commercial coverage through multiple carriers with licensed advisors. Closely comparable in agency structure, multi-carrier distribution, and inside-sales-led customer motion.
• Brightway Insurance: Franchise-style independent insurance agency distributing home, auto, and commercial coverage across multiple states through carrier partnerships. Directly comparable agency model with multi-state licensing and carrier-neutral advisor sales.
• Goosehead Insurance: Independent personal-lines agency franchise model offering home, auto, and umbrella coverage through multiple carriers via licensed advisors. Operates with a similar multi-carrier, relationship-driven sales motion to Southwestern Insurance Group.
• Foundation Insurance Group: Regional independent insurance agency distributing personal and commercial lines through multiple carrier partners. Comparable in size, multi-carrier agency model, and relationship-driven GTM.

Broad incumbents

• Brown & Brown Insurance: Large national insurance brokerage distributing personal and commercial lines through retail and wholesale channels. Overlap is in the personal-lines retail agency segment where Southwestern Insurance Group operates.
• Hub International: Major North American insurance brokerage offering personal, commercial, and specialty lines through regional offices. Comparable as a multi-carrier distribution platform, though substantially larger and broader in scope.
• Integrity Marketing Group: Insurance distribution platform that acquires and supports independent agencies distributing life, health, and annuity products. Comparable as a multi-carrier distribution and acquisition vehicle in the agency space.

Emerging players

• Hippo Insurance: Digital-first homeowners insurance carrier using smart-home data and direct online quoting. Competes in the same home insurance purchase flow that drives Southwestern Insurance Group's core personal-lines book.
• Lemonade: Direct-to-consumer insurtech selling home, renters, auto, pet, and life insurance through a fully digital experience. Represents the digital-native alternative competing for the same personal-lines customers Southwestern Insurance Group serves.

Regional players

• Frankenmuth Insurance: Mutual insurance carrier distributing personal and commercial lines through independent agents primarily in the Midwest and Southeast. Comparable as a partner/carrier in the multi-carrier agency distribution model.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights7 records

Customer concentration

• Facebookfacebook.com/SWinsurancegroup
• LinkedInlinkedin.com/company/sw-insurance-group
• Instagraminstagram.com/swinsurancegroup

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 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 Southwestern Insurance Group