About Us

Southern Mutual Insurance Company

Serving our policyholders since 1847

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Southern Mutual Insurance Company is a property and casualty insurance company that provides full lines of personal and commercial insurance products through independent agents in Georgia and South Carolina. We are affiliated with the Donegal Insurance Group, a family of property and casualty insurance companies that operates across multiple regions of the United States.

Southern Mutual was founded by a group of concerned Georgians who saw the need for a regional, mutual insurance company to provide insurance against fire for those outside of the larger metropolitan areas. Up until this point property insurance was only available from large, northern, investor-owned insurance companies. Southern Mutual was chartered by the Georgia Legislature on December 29, 1847.

In our early years we insured cotton and molasses in transport, ships, factories and plantation houses. The scope of coverages has changed considerably over the years, but the company’s original mission “to bear ye one another’s burdens” has remained the same. Southern Mutual has successfully withstood three major wars, the Great Depression, and borne the financial burdens of thousands of our insureds over the decades from numerous devastating hurricanes and conflagrations.

Today Southern Mutual provides the very latest in property and liability coverages. Our employees are dedicated to providing our policyholder/owners the very best in service and at competitive rates. It is this focus on customer service that has allowed Southern Mutual to prosper since 1847.