Coastal Select Insurance
Coastal Select Insurance is an independent insurance agency in Biloxi, MS, distributing personal and commercial policies — including coastal flood and windstorm coverage — through licensed agents across six Gulf Coast and Southeastern states.
- Company typePrivate
- Founded2021
- HeadquartersBiloxi, United States
- Headcount1–10
- GTM typeB2B and B2C
- OfferingServices
What Coastal Select Insurance does
Coastal Select Insurance is a privately held independent insurance agency founded in March 2021 and headquartered at 1966 Popp's Ferry Road in Biloxi, Mississippi. Co-owned and operated by Karleen Southard (CEO) and Royal Spragio, III (CFO), the agency distributes personal and commercial insurance products through direct sales by licensed agents, phone-based inside sales, and online quote forms. It is licensed across six Gulf Coast and Southeastern states — Texas, Louisiana, Mississippi, Alabama, Georgia, and Florida — with particular depth in six Mississippi coastal counties, the Alabama Gulf Coast, and the Texas Gulf Coast from Jefferson to Cameron county.
The agency represents 13+ carrier partners including Liberty Mutual, Progressive, Safeco, Berkshire Hathaway Guard, Selective Flood, ICAT, Foremost, and National General, enabling multi-carrier comparison shopping for clients. Its core product portfolio spans automobile, homeowners, business owners policy (BOP), commercial auto, commercial property, workers compensation, contractors insurance, flood, windstorm, and watercraft coverage, with sub-products including builders risk, general liability, and umbrella/excess liability. The agency's specialist positioning is in coastal exposures (wind, flood, hurricane preparedness), and it complements its product offering with premium finance partnerships (Honor Capital, Johnson & Johnson Premium Finance, Imperial PFS), a referral program, an educational insurance blog, and active social media presence on Facebook, LinkedIn, and Instagram.
The business model is commission-based: as an independent agency, Coastal Select earns a percentage of premium from carriers for each policy placed and renewed. The company operates with a small team of approximately 4-6 people, including two account managers, and has no proprietary technology platform, no public API, and no disclosed outside funding. Public recognition includes a 2022 'Best Insurance Agency' award from Gulf Coast Woman Magazine and a 2026 'Best Insurance Agency in Biloxi MS' award from Google Business Rate. There are no public revenue disclosures; the most recent book-of-business figure is $4.5M annualized premium under management covering 900+ commercial customers as of 2020, which predates the company's founding.
Coastal Select Insurance firmographics
Firmographics- Name
- Coastal Select Insurance
- Legal name
- Coastal Select Insurance
- Website
- https://coastalselectins.com
- Company type
- Private
- Founded year
- 2021
- Operating status
- Operating
- Headcount range
- 1–10 employees
- Short description
- Coastal Select Insurance is an independent insurance agency in Biloxi, MS, distributing personal and commercial policies — including coastal flood and windstorm coverage — through licensed agents across six Gulf Coast and Southeastern states.
- Ownership category
- akta.pro rank
Where Coastal Select Insurance is headquartered
LocationHeadquarters
- HQ city
- Biloxi
- HQ country
- United States
- HQ region
- North America
Offices1 record
Markets served
Coastal Select Insurance business model
Business model- GTM type
- B2B and B2C
- Offering type
- Services
- Cost components
- Personnel, Operations, Marketing or Sales, Technology or R&D, Infrastructure
Revenue model
- Insurance Commission Revenue: As an independent insurance agency, Coastal Select Insurance earns commissions from insurance carriers for policies placed. They represent multiple carriers and earn a percentage of premium as commission for each policy sold and renewed.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Other | Annual | Personalized insurance quotes - no standard pricing |
Go-to-market motion1 record
Distribution channels3 records
Marketing channels5 records
Coastal Select Insurance product offering
Product offeringCore offering
Coastal Select Insurance is an independent insurance agency that places personal and commercial insurance policies on behalf of customers by shopping multiple carrier partners (Progressive, Liberty Mutual, Safeco, Selective Flood, Berkshire Hathaway Guard, Foremost, ICAT Home, National General, and others). The agency earns commissions from carriers for policies sold and renewed, and specializes in Gulf Coast coastal exposures including windstorm, flood, and hurricane-related coverage. Core product lines include auto, homeowners, flood, windstorm, watercraft, commercial auto, commercial property, BOP, workers compensation, contractors insurance, builders risk, general liability, and umbrella/excess liability.
Product overview
Coastal Select Insurance is an independent insurance agency offering a comprehensive portfolio of personal and commercial insurance products through multiple carrier partnerships. The core offering includes automobile, homeowners, business owners policy (BOP), commercial auto, commercial property, workers compensation, contractors insurance, flood, windstorm, and watercraft coverage. Additional sub-products include builders risk, general liability, and umbrella/excess liability insurance. The agency also provides quote form services and customer self-service portals for policy management. The company specializes in coastal exposure coverage and operates across Texas, Louisiana, Mississippi, Alabama, Georgia, and Florida.
Differentiator
Problem solved
Functional benefit
Products and services
- Automobile Insurance Auto insurance providing property, liability, and medical coverage for personal vehicles, including protection against financial loss from accidents, theft, and damage. Distributed across multiple carrier partners including Progressive, Safeco, and National General.
- Homeowners Insurance Package policy covering home damage, personal property, and liability protection for injuries or property damage caused by homeowners or household pets. Targeted at Gulf Coast residential property owners.
- Business Owners Policy (BOP) Combined property, liability, and business interruption coverage designed for small to medium-sized businesses, packaged into a single policy for simplified underwriting.
- Commercial Auto Insurance Vehicle coverage for business operations including liability, collision, comprehensive, medical payments, and uninsured motorist protection. Includes fleet auto coverage for commercial customers.
- Commercial Property Insurance Coverage for business physical assets including buildings, equipment, inventory, and signage against fire, storm, theft, and vandalism damage. Includes Inland Marine for contractor and business property in transit or at jobsites.
- Workers Compensation Insurance Coverage providing fixed monetary awards to employees injured on the job, covering medical care, lost wages, and rehabilitation services. Distributed through carrier partners including First Comp / Markel and Berkshire Hathaway Guard.
- Contractors Insurance Customized coverage for independent contractors including general liability, professional liability, commercial vehicle, builder's risk, and workers compensation bundled for trade contractors.
- Flood Insurance NFIP-backed flood coverage protecting property against flood damage, separate from standard homeowners insurance which excludes flood losses. Provided through carrier partner Selective Flood, including excess flood coverage for coastal properties.
- Windstorm Insurance Additional coverage for damage caused by high wind events such as hurricanes, tornadoes, and cyclones, typically structured as a rider or separate policy given the Gulf Coast's hurricane exposure.
- Watercraft & Boat Insurance Coverage for boats and personal watercraft including bodily injury, property damage, guest passenger liability, medical payments, and theft protection. Targeted at recreational boaters on the Gulf Coast.
- Builders Risk Insurance Coverage for property and raw materials during construction projects, typically written per project and bundled within the contractors insurance offering.
- General Liability Insurance Coverage protecting businesses from lawsuits arising from bodily injury, property damage, or personal injury on business premises, offered as part of contractors and commercial packages.
- Umbrella/Excess Liability Insurance Additional liability protection for households or businesses providing $1M to $5M in coverage layered above primary policy limits.
Quantifiable outcome
- Customer saved nearly $200/month on auto policies
- +2 more outcomes
Companies that use Coastal Select Insurance
Customer profileNamed customers5 records
Segments3 records
Ideal customer profiles2 records
Coastal Select Insurance technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Integration13 records
Coastal Select Insurance partnerships and signals
Strategic signalPartnerships
13 partnerships are on record, tiered core and supporting.
- Liberty MutualcoreInsurance carrier partner accepting payments through carrier portal. Part of multi-carrier distribution network offering personal and commercial insurance products.
- First Comp / MarkelcoreWorkers compensation carrier partner, specializing in small business workers comp coverage.
- SteadPoint Insurance Group IncsupportingInsurance carrier partner available for policy servicing and payments.
- Selective FloodcoreFlood insurance carrier partner specializing in NFIP and excess flood coverage for coastal properties.
- ProgressivecorePersonal and commercial auto insurance carrier partner.
- SafecocorePersonal lines insurance carrier partner (Liberty Mutual subsidiary) offering auto, home, and umbrella coverage.
- ForemostsupportingSpecialty insurance carrier partner for manufactured housing, mobile home, and specialty property coverage.
- ICAT HomecoreHome insurance carrier partner, likely offering coverage for coastal exposures.
- National GeneralsupportingInsurance carrier partner for auto and home coverage.
- Honor CapitalsupportingPremium finance partner for payment plan options.
- Johnson & Johnson Premium FinancesupportingPremium finance partner offering payment plan options for policyholders.
- Imperial PFSsupportingPremium finance partner for payment plan options.
- Berkshire Hathaway GuardcoreCommercial insurance carrier partner (Guard Insurance) offering workers compensation and commercial coverage.
Scale indicators4 records
Recent moves5 records
Expansion highlights5 records
Coastal Select Insurance competitors and assessment
Company assessmentEmerging players
- PolicyGenius: Online insurance brokerage aggregating multiple carriers for consumers in life, home, auto, and disability. Closest direct competitor to the multi-carrier shopping proposition that Coastal Select delivers through licensed agents, but delivered via digital UX rather than face-to-face.
- Lemonade: InsurTech disruptor using AI-driven direct-to-consumer model that bypasses traditional agencies. Represents the long-term structural threat to Coastal Select's personal lines franchise, particularly with younger homeowners and renters seeking digital-first experiences.
Broad incumbents
- Allstate: Major national P&C insurer with captive agent distribution model. Competes directly with Coastal Select in personal auto, homeowners, and small commercial lines across their six-state footprint. National brand recognition is the primary competitive counterweight.
- State Farm: Largest US personal lines insurer operating through captive agent distribution. Represents the dominant alternative distribution model — exclusive agents versus Coastal Select's independent multi-carrier approach. Key competitive benchmark for personal lines market share in MS/AL/TX geographies.
- Progressive: Major auto insurance carrier that Coastal Select partners with, while also selling direct-to-consumer aggressively. The progressive (brand) dual-channel model is the structural competitive threat to agency distribution in personal auto specifically.
- Liberty Mutual: Direct carrier partner of Coastal Select (named in their carrier list), operating both direct and independent agency distribution. Represents both a partnership and competitive threat — customers could bypass Coastal Select and buy directly from Liberty Mutual.
Others
- Trusted Choice: Network brand and marketing consortium for independent insurance agents (Coastal Select displays the Trusted Choice logo on their website). Provides branding, carrier access, and operational resources to member agencies — a direct ecosystem partner rather than competitor.
Direct peers
- Goosehead Insurance: Independent insurance agency franchise operating a multi-carrier shop-the-market model similar to Coastal Select. Both serve personal and commercial customers through licensed agents across multiple states, with Goosehead at significantly larger scale. Most directly comparable peer in business model and distribution approach.
- Brightway Insurance: Franchise independent insurance agency offering personal and commercial lines through multi-carrier access. Shares Coastal Select's core model of shopping multiple carriers and providing personalized agent service, though operates through a franchise structure rather than independent ownership.
Regional players
- Erie Insurance: Regional P&C carrier with strong Mid-Atlantic and Southeast presence, distributing through independent agents similar to Coastal Select's model. Erie's regional carrier-plus-IA model is a direct analog, though operating at much larger scale and more limited geography.
Market position
Strengths1 record
Weaknesses5 records
Competitive moat3 records
Key highlights6 records
Customer concentration
Coastal Select Insurance social profiles
Digital presenceCoastal Select Insurance financial estimates
Financial estimateRevenue estimate
Valuation estimate
Coastal Select Insurance leadership team
Management profileNumber of profiles
Profiles4 records
Coastal Select Insurance funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Coastal Select Insurance 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 Coastal Select Insurance
What does Coastal Select Insurance do?
Coastal Select Insurance is an independent insurance agency that places personal and commercial insurance policies on behalf of customers by shopping multiple carrier partners (Progressive, Liberty Mutual, Safeco, Selective Flood, Berkshire Hathaway Guard, Foremost, ICAT Home, National General, and others). The agency earns commissions from carriers for policies sold and renewed, and specializes in Gulf Coast coastal exposures including windstorm, flood, and hurricane-related coverage. Core product lines include auto, homeowners, flood, windstorm, watercraft, commercial auto, commercial property, BOP, workers compensation, contractors insurance, builders risk, general liability, and umbrella/excess liability.
Is Coastal Select Insurance a public or private company?
Coastal Select Insurance is a private company. It is classified as founder individual operated bootstrapped and is currently operating.
When was Coastal Select Insurance founded?
Coastal Select Insurance was founded in 2021. It employs 1 to 10 people.
Where is Coastal Select Insurance based?
Coastal Select Insurance is headquartered in Biloxi, United States, in the North America region.
How does Coastal Select Insurance make money?
One revenue line is on record: insurance Commission Revenue.
Who are Coastal Select Insurance's main competitors?
Emerging players on record are PolicyGenius and Lemonade. Broad incumbents are Allstate, State Farm, Progressive and Liberty Mutual. Trusted Choice is listed as an others. Direct peers are Goosehead Insurance and Brightway Insurance. Erie Insurance is listed as a regional player.
Does Coastal Select Insurance have an API?
No public API is recorded for Coastal Select Insurance.