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Commercial coverage

Business Insurance

Comprehensive business solutions for your success.

Browse coverage

Illustration of a business building sheltered under a broad green canopy: professionals reviewing documents in an upstairs office, a craftsperson at a workbench in the shop, a forklift with stacked inventory, and a delivery van at the curb.
An operations manager and a warehouse worker review inventory on a tablet beside stocked shelving.

Protection for the people, property, and operations behind your business

Protect your assets to prepare for the worst. Minimize risk and insure with the best.

Claims from customers and the public

Injuries, damage, advice, products, or pollution that others say your business caused.

Overview guideLiability Insurance: how these policies fit together

Buildings, equipment, and goods

Physical things the business owns, rents, builds, or moves, and premises leased to others.

Overview guideProperty Insurance: how these policies fit together

Vehicles, cargo, and garages

Business driving, freight in transit, and auto-service operations.

Employees, leadership, and data

Workplace injuries, employment and management claims, cyber incidents and theft.

Packages, programs, and bonds

Bundled policies, alternative risk structures, and guarantees others may require of you.

Get started now by searching for your industry.

1231 business types in 31 groups. Open a group, or search using the name you’d use for your work.

Agriculture, Forestry & Fishing83 business types
Automotive & Vehicle Sales10 business types
Aviation & Aerospace16 business types
Business & Facility Services34 business types
Construction & Contractors188 business types

You may build new properties, renovate interiors or carry out a specialist trade. Construction & Contractors overview

Education9 business types
Energy, Utilities & Natural Resources53 business types
Entertainment, Recreation & Attractions30 business types
Financial Services31 business types
Food & Beverage74 business types

You may manufacture food, serve meals, sell drinks or handle ingredients for other businesses. Food & Beverage overview

Healthcare & Medical32 business types
Hospitality, Lodging & Events26 business types
Manufacturing177 business types

Providing a coverage overview for manufacturers using machinery and labor, addressing product liability and operational continuity. Manufacturing overview

Marine & Maritime15 business types
Media, Publishing & Communications39 business types
Mining & Quarrying19 business types
Nonprofits, Religious & Social Services22 business types
Personal Services15 business types
Professional Services46 business types
Public Sector, Defense & Security8 business types
Real Estate11 business types
Rental & Leasing9 business types
Repair & Maintenance12 business types
Retail55 business types
Technology & Internet25 business types
Telecommunications12 business types
Transportation & Logistics61 business types
Travel & Tourism13 business types
Warehousing & Storage10 business types
Waste & Environmental Services10 business types
Wholesale & Distribution86 business types

You supply goods to other businesses, perhaps holding stock, arranging deliveries or acting as a broker without taking custody. Wholesale & Distribution overview

Carrier partners

Every business has unique risks—let’s get you covered with a top insurer.

  • Accident Fund
  • American Modern
  • AmeriTrust
  • Auto-Owners Insurance
  • Bankers Insurance Group
  • Berkshire Hathaway GUARD
  • Builders Mutual
  • Cincinnati Insurance Companies
  • Chubb
  • Donegal Insurance Group
  • Encova Insurance
  • Erie Insurance
  • FFVA Mutual
  • Frank Winston Crum Insurance
  • GEICO
  • The Hanover Insurance Group
  • The Hartford
  • ICW Group
  • Jewelers Mutual
  • LUBA Workers' Comp
  • Main Street America Insurance
  • Maverick
  • National Security
  • Normandy Insurance Company
  • Mid-Continent Group
  • Pennsylvania Lumbermens Mutual
  • Philadelphia Insurance Companies
  • Pie Insurance
  • Progressive
  • RLI Surety
  • Selective Insurance
  • Sola
  • Southern Trust Insurance
  • Stonetrust
  • Summit
  • Tokio Marine America
  • United Heartland
  • US Assure
  • West Bend Insurance
  • The Zenith

Why The Southern Agency

Why choose The Southern Agency

  • Independent & Unbiased

    We will work hard for you to make sure that you get great coverage by comparing multiple carriers.

  • Purpose-Built Solutions

    Every business has different needs—we help you build your policy to match your industry and risk exposure.

  • Competitive Rates

    We represent 40+ carriers—providing you with many coverage options to fit your budget.

  • Dedicated Support

    Our team is here to support you with service after the sale—quick response, excellent claims handling, and friendly assistance.

Ready to experience the difference?

Speak with an agent about your business. Let’s create the right policy with the service and price you deserve.

How can we help you get started?

Choose the quote that fits, and we’ll take it from there.

Have a question? Contact us