Business Details
43 Years
experience
Insurance & Reinsurance Solutions in Columbia, SC
Founded in 1983, we are a client-focused insurance and reinsurance intermediary with decades of industry experience. Our employee-owned structure ensures alignment with client interests, eliminating conflicts from public ownership or parent companies. We specialize in traditional reinsurance placements, MGA/MGU program development, and alternative risk solutions for captives and RRGs. Operating independently since 1993, we maintain relationships with top-rated domestic and international carriers. Our team of principals works directly with clients, providing tailored strategies without delegation to junior staff.Headquartered in Columbia, South Carolina, we serve clients across North America through offices in New York, Illinois, and New Jersey. Our mission remains to deliver innovative solutions while maintaining the agility to respond effectively to client needs. With a heritage of industry leadership dating to South Carolina's oldest insurance groups, we combine deep expertise with personalized service.
Services
Insurance Brokerage
Reinsurance Consulting
MGA Program Development
Alternative Risk Solutions
Employee Ownership Benefits
Details
- Year established: 1983
Highlights and features
- 100% employee-owned structure aligns with client interests
- Direct access to company principals for all clients
- Decades of experience in insurance and reinsurance markets
- No conflicts from parent company relationships
- Specialized expertise in alternative risk financing solutions
Services
Insurance Brokerage
We connect clients with top-rated insurance carriers to secure optimal coverage solutions. Our independent status allows unbiased recommendations across domestic and international markets. With access to Lloyds, EU, and Bermudian carriers, we deliver comprehensive protection strategies tailored to each client's risk profile.
Reinsurance Consulting
Our experts develop customized reinsurance programs for insurance companies seeking risk mitigation. We specialize in structuring transactions that balance client objectives with market realities. The team leverages deep industry relationships to negotiate favorable terms while maintaining capital efficiency for our clients.
MGA Program Development
We design and implement specialty insurance programs through managing general agents. Our approach combines market expertise with operational support to create profitable ventures. From concept development to carrier partnerships, we ensure programs meet specific niche market needs while maintaining regulatory compliance.
Alternative Risk Solutions
Our team structures captive insurance and risk retention group programs for organizations seeking self-insurance alternatives. We provide comprehensive guidance through formation, regulatory approval, and ongoing management. These solutions offer greater control over risk exposure and potential cost savings for qualified clients.
Employee Ownership Benefits
As a 100% employee-owned firm since 1993, we maintain complete independence from larger broker networks. This structure eliminates conflicts of interest while ensuring long-term commitment to client relationships. Our ownership model fosters accountability, attracting top industry talent dedicated to delivering exceptional service outcomes.
People
Robert H. Sanders
Founder
Industry veteran with 40+ years experience who established the company in 1983 after rising to Vice President at Seibels Bruce Group. Pioneered client-focused reinsurance model emphasizing independence and direct client access to principals.
Mike Husbands
Assistant Vice President
Experienced insurance professional joining in 2025 to expand client services. Brings specialized expertise in reinsurance placements and risk management solutions. Works directly with clients to develop tailored coverage strategies that align with business objectives.
Questions
What makes your firm different from other insurance brokers?
We're 100% employee-owned with no parent company ties, ensuring complete independence. Clients work directly with principals rather than junior staff, and we maintain no conflicting interests from public ownership.
Which insurance markets do you access for clients?
We work with top-rated domestic carriers plus Lloyds, European Union, and Bermudian markets. This global network allows customized solutions while maintaining financial security for our clients' coverage needs.
What experience does your team have?
Our leadership includes professionals with 40+ years industry experience. Founding history traces back to South Carolina's oldest insurance group, combining heritage with modern risk management approaches since 1983.
How do you handle specialty insurance programs?
We specialize in MGA/MGU development, creating tailored programs for niche markets. Our services include carrier partnerships, operational support, and regulatory compliance guidance throughout the program lifecycle.
Can you assist with alternative risk financing options?
Yes, we structure captive insurance and risk retention groups for qualified clients. Our services cover formation, regulatory approval, and ongoing management to create customized risk financing solutions.
