Discover the difference.
Our Story
At The Southern Agency, we don’t just sell insurance—we deliver peace of mind. Built on the principle “Create great policies with great carriers at competitive rates,” we take the time to understand your unique risks and craft coverage that truly protects what matters most.
Founded by Derek Wirz in 2015, we’ve redefined the insurance process with The Southern Agency Underwriting Narrative—a method that ensures businesses get a “top of the stack” application, giving underwriters a clear, compelling picture of their needs. For personal insurance, we take the same meticulous approach, designing policies that respond when life hits hardest.
Many agents cut corners. We don’t. Our 10 P Underwriting Narrative Process uncovers key risks others miss, ensuring you’re not just insured—you’re truly protected. With The Southern Agency, you get a partner who advocates for you, fights for the best coverage, and makes sure you never feel lost in the fine print.
Insurance shouldn’t be a guessing game. Let’s get it right—together.
Our Underwriting Narrative Process
1. Profile
Brief description of business operations
2. People
Brief overview of the people involved in the business
3. Product
An overview of what the business makes or does
4. Process
An overview of how the business operates
5. Plant
An overview on the building and equipment the business uses to operate
6. Prevention
An overview on steps taken to mitigate hazards and reduce risk, including a pre- and post-loss plan of action
7. Pain
Discussion of the current shortcomings of the current policy
8. Price
We do not set the premium, but we do negotiate
9. Performance
If applicable, we underscore the applicant's excellent claims history
10. Persuade
This is your forum to convince the underwriter that you are an excellent risk and to convey your sincerity
Our Approach
At The Southern Agency, we do more than just sell policies—we become your insurance partner, actively protecting what matters most to you. Whether it’s your business, home, or personal assets, we take a hands-on, proactive approach to coverage. Here’s how we set ourselves apart:
- We Get to Know You – Whether it’s your business operations or personal lifestyle, we take the time to understand your unique risks and needs.
- Uncover Gaps & Review Your History – We analyze past claims and current coverage to spot weak points that could leave you vulnerable.
- Identify Risks Before They Become Problems – We assess potential hazards and provide you with a clear, actionable report.
- Find Ways to Reduce Risk & Strengthen Protection – We explore smart solutions to minimize threats and improve your insurability.
- Customize the Perfect Coverage – We match you with the right policy and the right carrier to ensure you get comprehensive protection without overpaying.
- Align Coverage with Your Budget – We help you plan for premium costs and audits so there are no surprises.
- Stay Ahead with Ongoing Support – Insurance isn’t “set it and forget it.” We track results, adjust as needed, and help you plan ahead for continued success.
Most agents stop at the policy—we’re just getting started. If you’re ready for a more engaged, proactive insurance partner, let’s talk.
Our Vision
Our Vision: Excellence in Every Policy, Relationship, and Promise
- Tailored Protection – Help every policyholder create the best coverage for their unique needs.
- Unmatched Value – Deliver more value to our clients and insurance carriers than any other agency.
- Trusted Relationships – Build lasting, superior relationships with those we serve and those who support our commitments.
- The First Choice – Be the go-to agency for individuals, businesses, and organizations in our communities.
- Carrier Excellence – Represent our insurance carriers with integrity, bringing them the right clients and the right business.
- Relentless Advocacy – Market our policies and solutions with persistence, accuracy, and transparency.
- Personalized Service – Treat every client like they are our only client.
- Proactive Engagement – Stay in touch with our clients before they need us.
- Comprehensive Coverage – Ensure every client has the right policies to protect their full range of risks.
- Empowered Clients – Educate and guide our clients to become savvy insurance consumers who make informed decisions.
The Southern Agency, we don’t just provide insurance—we create partnerships, protect futures, and redefine what it means to have an insurance advocate.
Our Values
Our Core Values: What Drives The Southern Agency
- Protection with Purpose – We help people and businesses build strong insurance policies, ensuring certainty when adversity strikes.
- Unwavering Integrity – We operate with the highest ethical standards, both personally and professionally.
- Client-First Commitment – Our customers come first, and we treat everyone with exceptional respect and care.
- Trust & Security – We are dedicated to safeguarding and protecting our clients’ information with the utmost responsibility.
At The Southern Agency, our values aren’t just words—they’re the foundation of everything we do.
Our Trusted Carriers
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