MGA & Surplus Lines Broker for Independent Insurance Agencies

At our company, we specialize in helping independent insurance agencies place tough risks with reliable markets. Based in Knoxville, Tennessee, we serve agents across Tennessee, Kentucky, Mississippi, and Arkansas. For over 25 years, we’ve worked with agents like you to place commercial & personal lines coverage through trusted excess & surplus lines (E&S) carriers.


We’re not the biggest MGA out there – but we are easy to reach, quick to quote, and genuinely invested in your success.

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Why Agents Choose to Work With Us

Plain Talk. Real Relationships. No Red Tape.



Our team focuses on personal service and quick responses. We keep things simple, communicate clearly, and help you find solutions that make you look good to your clients.

  • Access to Hard-to-Find Markets – Especially for habitational, hospitality, and garage risks

  • Quick Turnaround – Quotes reviewed fast so you can stay ahead of the game

  • Flexible Appetite – We place risks the standard markets turn away

  • No Volume Quotas – Send us 1 risk or 100 – we value every submission

  • Licensed in TN, KY, MS & AR – We know the markets, filings, and state-specific challenges

What We Offer

We help you find coverage for risks that don’t fit the box. From older apartment buildings to bars with liquor exposure, from vacation rentals to light manufacturing, we’ve got markets that get it.

Commercial Lines We Handle:

  • Habitational (Apartments, Condos, Rental Properties)
  • Restaurants, Bars & Taverns
  • Light Manufacturing
  • Mercantile & Retail
  • Garage Risks (Auto Dealers, Repair Shops)

Personal Lines We Handle:

  • Homeowners (High-Value, Older, Prior Claims)
  • Rental Dwellings
  • Short-Term Rentals (Airbnb, Cabins, Vacation Homes)


Have a risk you’re not sure about? Call us. If we can’t write it, we’ll tell you fast – and we might even know who can.

What Makes Us Different

We’re a family-owned MGA that believes in long-term relationships, not transactions. Our agents know our names, our underwriters answer the phone, and we’ll never make you wait a week just to hear “no.”


You don’t need a fancy portal to work with us – just solid markets and good people. That’s what we deliver.

Our Carrier Partners

We work with a select group of trusted insurance carriers to offer dependable solutions for hard-to-place commercial and personal lines risks.

These carrier relationships help us provide flexible programs for everything from apartment buildings and restaurants to rental homes and short-term rentals.


If you need help placing a specific risk, just give us a call at 865-909-0181 or visit our Contact Page. We’re happy to help.

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Serving the Southeast

From Nashville to Biloxi, from Little Rock to Lexington, we understand the insurance needs of the South. Our team knows the local risks, state compliance rules, and underwriting roadblocks – and how to work around them


We proudly support independent agents across:



  • Tennessee
  • Kentucky
  • Mississippi
  • Arkansas

Let’s Work Together

You’ve got clients. We’ve got markets. Let’s keep it that simple.