Twia Insurance Agency - Summerville, Sc

What Twia Insurance Agency - Summerville, Sc does

TWIA Insurance Agency, operating under the legal name Taylor Wreden Insurance, is a privately held, locally owned independent insurance agency founded in 1995 and headquartered in Summerville, South Carolina. The firm serves individual/family and business/commercial clients across South Carolina, placing personal and commercial lines through multiple national and regional carriers on a commission basis. Core product lines include homeowners, auto, life, and commercial packages, with differentiated specialty programs for contractors, churches, schools, and non-profits; cyber liability and short-term special event insurance are offered through referral partnerships.

The agency operates two physical locations — the Summerville headquarters and a Greenville, SC office — and is affiliated with sister agency Kinghorn Insurance Agency of Beaufort, LLC, extending its footprint across the Lowcountry and Upstate markets. The partner group includes Jay Taylor, Garrett Wreden, Curtis Taylor, Thomas Tayloe, and Charlotte Law, holding industry designations such as CIC, CPCU, CISR, and CRM. The firm reports 11-50 employees and channels health insurance demand through a HealthReachQuotes referral relationship.

The business model is a standard independent agency structure: producers quote and bind policies with carrier partners, earning commission on premium placed; no proprietary technology platform or AI-driven capabilities are disclosed. Revenue is not publicly reported, and there is no indication of outside funding, M&A activity, or institutional ownership — the firm operates as a closely held local business with referral-based growth rather than capital-driven expansion.

Name

Twia Insurance Agency - Summerville, Sc

Legal name

Taylor Wreden Insurance

Website

https://twiainsurance.com

Company type

Private

Founded year

1995

Operating status

Operating

Headcount range

11–50 employees

Short description

TWIA Insurance Agency (Taylor Wreden Insurance) is a privately held independent insurance agency founded in 1995 in Summerville, SC, serving individuals and businesses across South Carolina with personal and commercial lines placed through multiple national and regional carriers.

Ownership category

akta.pro rank

Product category

Insurance Brokerage Services

NAICS

Insurance Agencies and Brokerages (524210), Insurance Agencies and Brokerages (52421), Agencies, Brokerages, and Other Insurance Related Activities (5242), Pharmacy Benefit Management and Other Third Party Administration of Insurance and Pension Funds (524292)

SIC

Insurance Agents, Brokers & Service (6411)

akta.pro primary industry

Ancillary Benefits TPA (Dental/Vision/Life/Accident/Critical Illness) (HLAEALAN)

akta.pro secondary industry

Individual Health Insurance Administration (TPA/ASO) (FSAIAEAK)

Keywords

• Independent insurance agency
• Personal insurance services
• Commercial insurance brokerage
• Life health insurance
• Insurance risk management

Headquarters

HQ city

Summerville

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, Technology or R&D

Revenue model

1. Insurance Commissions: As an independent insurance agency, TWIA earns commissions from multiple national and regional insurance carriers for policies placed on behalf of customers. Commission structure includes both initial policy commissions and renewal commissions.

Pricing tiers

Go-to-market motion3 records

Distribution channels3 records

Marketing channels4 records

Core offering

TWIA Insurance Agency is a locally owned independent South Carolina insurance agency that places personal, commercial, life, and health insurance policies on behalf of customers by representing multiple national and regional insurance carriers. The agency operates from offices in Summerville and Greenville, providing quote consultation, policy servicing, and claims support across home, auto, life, health, and business coverage lines.

Product overview

TWIA Insurance Agency is a local independent South Carolina insurance agency offering a comprehensive portfolio of insurance products. The agency's offerings span two main categories: Personal Insurance (Auto, Homeowners, Flood, Boat, Umbrella, Life, Health, Disability, Long-Term Care, Dental, Vision) and Commercial/Business Insurance (Auto, Property, General Liability, Cyber Liability, Workers Compensation, Niche programs, Special Events). As an independent agency, TWIA represents multiple reputable national and regional insurance carriers, enabling them to match customers with policies that fit their specific needs. The agency operates as a traditional insurance brokerage with physical offices in Summerville and Greenville, SC, providing quote consultation, policy servicing, and claims support through their carrier relationships.

Differentiator

Problem solved

Functional benefit

Products and services

• Personal Auto Insurance Personal auto insurance coverage protecting South Carolina residents against property damage, collision, personal injuries, medical payments, and loan/lease payoff through multiple carrier options.
• Homeowners Insurance Homeowners and renters insurance protecting the structure, contents, and providing liability coverage against injuries on the property for South Carolina residents.
• Flood Insurance Flood insurance coverage available through both NFIP and private market options for homeowners, condo owners, renters, and commercial properties in South Carolina.
• Boat Insurance Watercraft insurance covering medical payments, physical damage to boat/motor/trailer, and liability protection for boating accidents.
• Personal Umbrella Insurance Personal umbrella liability insurance extending coverage beyond underlying auto and homeowners policies when liability limits are exceeded.
• Life Insurance Life insurance products including whole life, term life, and universal life policies with various coverage options for different life stages.
• Health Insurance Health insurance consultation services for Affordable Care Act enrollment, including on-Exchange and off-Exchange plans, Medicare Part C and D, and short-term medical plans.
• Disability Insurance Individual disability insurance coverage providing income protection for South Carolina residents.
• Long-Term Care Insurance Long-term care insurance with predictable premiums, unused premium return options, and flexible coverage for care needs.
• Dental and Vision Insurance Dental insurance coverage reducing out-of-pocket costs for dental care, and vision insurance covering eye exams, glasses, and contacts.
• Business Auto Insurance Commercial vehicle insurance coverage for businesses and non-profits of all fleet sizes in South Carolina.
• Business Property Insurance Commercial property insurance covering business income, co-insurance, wind and hail deductibles, and out-of-the-box solutions for various business types.
• General Liability Insurance General liability coverage for offices, contractors, churches, schools, restaurants, and various organizations.
• Cyber Liability Insurance Cyber liability and data breach insurance protecting businesses against cyber threats, theft, and identity theft exposure.
• Workers Compensation Insurance State-regulated workers compensation coverage with access to multiple carriers, risk prevention services, and loss control capabilities for businesses operating in multiple states.
• Niche Business Insurance Programs Specialized insurance programs for general contractors, church programs, financial institutions, non-profits, schools, residential condos and apartments.
• Special Events Insurance Insurance coverage for special events including weddings and other events through partner CoverSmart.

Segments3 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

Three partnerships are on record, tiered core and minor.

• Kinghorn Insurance of BeaufortcoreOthersSister agency under the same ownership group (Taylor Wreden Insurance). TWIA Insurance Agency operates as a sister agency to Kinghorn Insurance of Beaufort. Both agencies share staff, management, and operational systems. Kinghorn Insurance is located in Beaufort, SC (910 Carteret St.) with phone 843-521-4000.
• CoverSmart USAminorChannel Partner/ Reseller/ DistributorPartnership for special events insurance products including wedding coverage. TWIA resells CoverSmart event insurance products through their website.
• HealthReachQuotesminorChannel Partner/ Reseller/ DistributorReferral partnership for health insurance marketplace enrollment. TWIA redirects visitors to HealthReachQuotes for 2026 Open Enrollment period coverage (November 1, 2025 - January 15, 2026).

Scale indicators3 records

Recent moves6 records

Expansion highlights6 records

Broad incumbents

• GEICO: Direct-to-consumer auto insurance carrier that bypasses agents entirely. Represents the structural disintermediation threat to independent agencies like TWIA, particularly in personal auto.
• Farmers Insurance: Captive-agent P&C carrier with broad personal and commercial lines. Competes for the same SMB and household customers as TWIA in the SC market.
• Allstate: Major national P&C carrier with captive agents selling auto, home, and life insurance directly. Represents the incumbent alternative to independent agency distribution in TWIA's geographies.
• Progressive: Direct and agency-channel P&C carrier with strong digital distribution. Competes with TWIA across personal auto and homeowners, increasingly through online quoting.
• Hub International: Large North American insurance brokerage providing commercial and personal lines through regional offices. Represents the scaled brokerage model that contrasts with TWIA's boutique independent agency structure.
• State Farm: Largest US personal lines insurer with a captive agent distribution model. Competes head-to-head with TWIA in auto, homeowners, and life insurance across South Carolina.

Emerging players

• Lemonade: Digital-native insurtech selling renters, homeowners, and pet insurance directly to consumers via app. Represents the emerging digital distribution model threatening traditional independent agencies.
• CoverWallet (Aon): Digital commercial insurance brokerage (now part of Aon) offering small business insurance online. Represents the emerging tech-enabled competitor in TWIA's commercial lines segment.

Regional players

• Erie Insurance: Regional mutual insurer with strong East Coast footprint selling through captive agents. Competes in personal lines with TWIA across the Southeast, though agent-based rather than independent.

Direct peers

• Kinghorn Insurance of Beaufort: Sister agency under the same Taylor Wreden Insurance ownership group, sharing staff, management, and operational systems. Operates as a direct peer independent agency in Beaufort, SC with overlapping product lines.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks5 records

Key highlights7 records

Customer concentration

• Facebookfacebook.com/TWIAinsurancesummerville
• LinkedInlinkedin.com/company/tw-insurance-agency

Revenue estimate

Valuation estimate

Number of profiles

Profiles15 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 Twia Insurance Agency - Summerville, Sc