Agency website
About us
Auto Insurance ● Home Insurance ● Life Insurance ● Business Insurance
The Southern Agency is a premier independent insurance firm offering personalized coverage solutions to individuals, families, and businesses across the United States. With deep expertise in both personal and commercial insurance, we deliver trusted guidance and access to top-rated carriers-ensuring our clients get the protection they need, tailored to fit their lives and goals.
We know finding the right insurance can be confusing, time-consuming, and frustrating. That's why we've simplified the process with a hands-on, three-step approach that makes securing great coverage easy and stress-free. Whether you're protecting your home, your car, your business, or your loved ones, our team is here to walk with you every step of the way.
At The Southern Agency, we don't just sell policies-we build lasting relationships rooted in trust, transparency, and service. We take pride in delivering expert support, fast communication, and digital tools that keep things convenient and efficient. With a genuine commitment to our clients, we're proud to be the agency people rely on to protect what matters most.
Our Services Include:
✔ Business Insurance (Property, Liability, Workers' Compensation & More)
✔ Personal Insurance (Home, Auto, Life & More)
✔ Specialty Coverage for Unique Risks
We proudly partner with leading carriers including ERIE, Travelers, Chubb, Auto-Owners, Hanover, Hartford, and many more-giving you options, flexibility, and peace of mind.
What our clients are saying
"Always a good experience with Southern Agency. Derek has a great relationship with Dale and Jennifer is always so helpful and responds quickly to our requests. I appreciate the opportunity to say THANK YOU!"
"I worked with Brandon for all of my insurance policies, he took very good care of my needs, and we got to be friends. Since then I had a chance to meet the rest of the team, excellent service and 100% customer satisfaction. I felt like this is what I was missing in my past insurance company. It was like doing business with your family, people that really care. Thanks Guys and Gals!"
"Mr. Derek Wirz and staff have gone above and beyond, to help provide the highest level of insurance expertise and advisement that I have ever had the pleasure of receiving. They are my trusted advisors for all things P & C related, and I cant say enough good things about them, including their responsiveness, solution suggesting, and finding just the right coverage for my textile business. Matthew Wilson, Wilson & Bow, Custom Ties and Textiles"
"I am writing to recommend the company and services at The Southern Agency, Inc. During the past year, we began our communication and ultimately chose them as our partners as our new Insurance Agency for our Property and Casualty insurance. They cover our 72 Waffle House locations that are part of our Southern Legacy Waffles, LLC Franchise in North Georgia, Chattanooga, Knoxville, Tri-City, and North Carolina territories. I can honestly say that I am more than pleased with their offerings and overall Customer Service as a company. I had worked with Chris Cain for several years when he was worked with our Worker's Comp TPA. Chris made the initial introduction to Derek Wirz and the offerings at The Southern Agency. When Chris joined The Southern Agency, his knowledge of our business needs was a driving force in our decision to make a change. Derek and Chris have given 110% of their time to ensure that we were given the proper coverage and best pricing for our business. Derek and his knowledge of industry is like no other and our team is very impressed as we were making our decision to go with his company. Their attention to detail and immediate response to our needs surpasses all expectations we could have hoped for! If you are looking for a partner that has your best interest and is willing to negotiate strong pricing for your company, then The Southern Agency is where you need to take your business. I look forward to a long partnership."
"Everyone can say they offer great service but I had not ever experienced it, until today - THE GREATEST! Here is my story: Several months ago, I moved my insurance to The Southern Agency and they saved me money; a lot of money. Today a piece of metal came off of a truck and seriously damaged my Toyota Camry. I made one call to The Southern Agency and not only did I have a tow truck to my rescue but I EVEN HAD A RENTAL CAR waiting on me at the body shop. I LOVE THE SOUTHERN AGENCY AGENTS! If you are looking for the best, these guys are it! "
"The Southern Agency handles my insurance and Id recommend discussing your insurance needs with them. Many options! They took great care of me and they will you too!"
"My experience with The Southern Agency has been great! Derek was very thorough in his assessments and made sure we have the coverage that we need. He saved our company thousands and follows up quickly on any questions we have. I highly recommend Derek and his team! Ed Trimner Trimcraft of Ft. Myers"
"Derek and his team provided excellent customer service. They doubled my coverage, solved my insurance problems, made it simple and cut my premium by almost half. I highly recommend The Southern Agency. Mark Turner Ringgold, GA"
" I recently needed a solution for my log cabin home insurance. I researched and came to know Brandon & Derek at The Southern Agency who was able to provide the help and best policy package for me and my family. Highly recommend this team for your insurance plans! "
"Great company. Derek went above and beyond to make sure I had the best coverage at the best price. He was patient in explaining all of the details, not the least bit pushy, and makes himself available for help and guidance should any questions arise. "
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Personal and Commercial Lines insurance professionals
Ask me about these types of insurance...
Having the right car insurance is so important, even more important is understanding all the ins and outs of your coverage to help protect you.
Request an automobile insurance quoteAn independent insurance agent will make sure that your business is covered in the event of a catastrophe or sudden loss.
Request a business insurance quoteGet multiple quotes on your homeowners insurance with one phone call. Let an independent agent shop for you.
Request a homeowners insurance quoteOur independent insurance agents are here to help you find the best life insurance that will take care of those you leave behind.
Request a life insurance quoteAn annuity is an investment product issued by an insurance company that provides you with guaranteed periodic payments in return for your initial investment.
Request a annuities quoteIf a data breach does happen, it's a wise decision to have a cyber liability insurance policy to help your company stay secure.
Request a cyber liability quoteWhy choose The Southern Agency, Inc.
States we serve
- Alabama
- Florida
- Georgia
- Kentucky
- Mississippi
- North Carolina
- South Carolina
- Tennessee
Our insurance coverages
Personal insurance coverage
- ATV
- Automobile
- Boat
- Builders Risk / Construction
- Collectible Auto
- Condo
- Earthquake
- Farm
- Flood
- Health
- Home
- Identity Fraud
- Landlord
- Mobile Home
- Motorcycle
- Other
- Personal Watercraft
- Pet
- RV / Motorhome
- Renters
- Short-Term / Sharing
- Special Event
- Travel Trailer
- Umbrella
- Vacant Land
- Valuable Items
Business insurance coverage
- Bonds
- Builders Risk
- Business Owners Package (BOP)
- Business Vehicle
- Contractors Equipment
- Cyber Liability
- Directors & Officers
- Employment Practices Liability
- Errors & Omissions
- General Liability
- Inland Marine
- Other
- Professional Liability
- Property
- Umbrella / Excess
- Workers' Compensation
Life & Annuities coverage
- Annuities
- Disability Income
- Life
- Long Term Care
Industries we serve
- Accommodation and Food Services
- Administrative and Support and Waste Management and Remediation Services
- Agriculture, Forestry, Fishing and Hunting
- Arts, Entertainment, and Recreation
- Construction
- Educational Services
- Finance and Insurance
- Health Care and Social Assistance
- Information
- Management of Companies and Enterprises
- Manufacturing - Food / Beverage / Textiles / Apparel / Leather
- Manufacturing - Metal / Machinery / Computer / Electrical / Transportation / Furniture
- Manufacturing - Wood / Paper / Paper / Mining / Plastics
- Mining, Quarrying, and Oil and Gas Extraction
- Other Services (except Public Administration)
- Professional, Scientific, and Technical Services
- Public Administration
- Real Estate and Rental and Leasing
- Retail - Sporting Goods / Hobby / Music / General / Misc.
- Retail - Vehicle / Home / Furniture / Building / Garden / Food / Health / Gas / Clothing
- Transportation - Air / Rail / Water / Truck / Transit / Ground / Pipeline / Scenic
- Transportation and Warehousing
- Utilities
- Wholesale Trade
Recommended insurance company partners
Other companies we work with:
Accident Fund, Accident Fund/Comp West, Auto-Owners Insurance Company, Cincinnati Insurance Company, Erie Insurance Company, Guard Insurance Group, Life Insurance Company of Alabama, Pennsylvania Lumbermens Mutual, Philadelphia Insurance Companies, RetailFirst Insurance Company, The Hartford, US AssureThe Southern Agency, Inc. Team
The Southern Agency, Inc. Reviews
Customer Reviews
Always a good experience with Southern Agency. Derek has a great relationship with Dale and Jennifer is always so helpful and responds quickly to our requests. I appreciate the opportunity to say THANK YOU!
I worked with Brandon for all of my insurance policies, he took very good care of my needs, and we got to be friends. Since then I had a chance to meet the rest of the team, excellent service and 100% customer satisfaction. I felt like this is what I was missing in my past insurance company. It was like doing business with your family, people that really care. Thanks Guys and Gals!
Mr. Derek Wirz and staff have gone above and beyond, to help provide the highest level of insurance expertise and advisement that I have ever had the pleasure of receiving. They are my trusted advisors for all things P & C related, and I cant say enough good things about them, including their responsiveness, solution suggesting, and finding just the right coverage for my textile business. Matthew Wilson, Wilson & Bow, Custom Ties and Textiles
I am writing to recommend the company and services at The Southern Agency, Inc. During the past year, we began our communication and ultimately chose them as our partners as our new Insurance Agency for our Property and Casualty insurance. They cover our 72 Waffle House locations that are part of our Southern Legacy Waffles, LLC Franchise in North Georgia, Chattanooga, Knoxville, Tri-City, and North Carolina territories. I can honestly say that I am more than pleased with their offerings and overall Customer Service as a company. I had worked with Chris Cain for several years when he was worked with our Worker's Comp TPA. Chris made the initial introduction to Derek Wirz and the offerings at The Southern Agency. When Chris joined The Southern Agency, his knowledge of our business needs was a driving force in our decision to make a change. Derek and Chris have given 110% of their time to ensure that we were given the proper coverage and best pricing for our business. Derek and his knowledge of industry is like no other and our team is very impressed as we were making our decision to go with his company. Their attention to detail and immediate response to our needs surpasses all expectations we could have hoped for! If you are looking for a partner that has your best interest and is willing to negotiate strong pricing for your company, then The Southern Agency is where you need to take your business. I look forward to a long partnership.
Everyone can say they offer great service but I had not ever experienced it, until today - THE GREATEST! Here is my story: Several months ago, I moved my insurance to The Southern Agency and they saved me money; a lot of money. Today a piece of metal came off of a truck and seriously damaged my Toyota Camry. I made one call to The Southern Agency and not only did I have a tow truck to my rescue but I EVEN HAD A RENTAL CAR waiting on me at the body shop. I LOVE THE SOUTHERN AGENCY AGENTS! If you are looking for the best, these guys are it!
The Southern Agency handles my insurance and Id recommend discussing your insurance needs with them. Many options! They took great care of me and they will you too!
My experience with The Southern Agency has been great! Derek was very thorough in his assessments and made sure we have the coverage that we need. He saved our company thousands and follows up quickly on any questions we have. I highly recommend Derek and his team! Ed Trimner Trimcraft of Ft. Myers
Derek and his team provided excellent customer service. They doubled my coverage, solved my insurance problems, made it simple and cut my premium by almost half. I highly recommend The Southern Agency. Mark Turner Ringgold, GA
I recently needed a solution for my log cabin home insurance. I researched and came to know Brandon & Derek at The Southern Agency who was able to provide the help and best policy package for me and my family. Highly recommend this team for your insurance plans!
Great company. Derek went above and beyond to make sure I had the best coverage at the best price. He was patient in explaining all of the details, not the least bit pushy, and makes himself available for help and guidance should any questions arise.
We prioritize honest feedback from our clients to assist future customers in making well-informed decisions. Our review section showcases authentic experiences from real customers. When a less-than-positive review is submitted, we share it with both the agent and the reviewer to foster collaboration and improvement based on constructive feedback. We also moderate reviews to remove inappropriate content or spam, upholding a high standard of trust and transparency.
