Republic offers personal property, dwelling fire, personal automobile and commercial lines of insurance through independent agents primarily in Texas, Oklahoma, Louisiana and New Mexico. Separately, we manage insurance programs through unaffiliated managing general agents ("MGAs") that target niche markets and underwrite personal and commercial lines policies on our behalf in the southwestern United States and in other selected states. We also provide insurance services to MGAs and national insurance carriers that wish to access our markets and fully reinsure the business written.

Republic's member companies have flexibility to offer the insurance coverage most insureds need, whether for home, automobile or business. Competitive rates and coverages are available for both standard and non-standard risks, which meet our underwriting criteria.

Republic provide our products and services through four business segments:

 
  • Personal Lines
    In this segment, we underwrite personal lines insurance distributed through our network of independent agents. We tailor these products to meet the needs of policyholders located in our region. Our personal lines products include homeowners, dwelling fire, personal auto and umbrella coverages. We have two affiliated MGA's which focus on this personal lines segment, including an MGA which makes homeowners and dwelling fire coverages available to the unconventional marketplace.
  • Commercial Lines
    In this segment, we underwrite commercial lines insurance distributed through our network of independent agents. Our products are designed for small to medium-size businesses, such as garages, family-owned restaurants and artisan contractors. These products include commercial package (composed of a combination of property, general liability, equipment breakdown, crime and/or inland marine equipment), auto, workers' compensation, farm and ranch and umbrella.
  • Program Management
    In this segment, personal and commercial insurance policies are distributed through programs established with unaffiliated MGAs. These programs include commercial auto, light commercial casualty, prize indemnification, collateral protection, employers' nonsubscriber policies and non-standard personal auto coverages.
  • Insurance Services
    In this segment, we write primarily personal and commercial auto insurance in Texas through our county mutual insurance company and other insurance subsidiaries and affiliates on behalf of national and regional insurance carriers that wish to access our markets. We fully reinsure the risks written within this business segment.
Member Companies
Each member company of The Repubilc Group is separate and distinct from the other companies and is responsible for underwriting its own policies.

The member companies of The Republic Group are:

 
Republic Underwriters Insurance Company
Southern Insurance Company
Republic Fire and Casualty Insurance Company
Republic-Vanguard Insurance Company
Southern Underwriters Insurance Company
Southern County Mutual Insurance Company
Southern Vanguard Insurance Company
Republic Lloyds
 

(For ease of reference only, the companies listed above are referred to on this website collectively as "The Republic Group". Not all companies are licensed to write all lines of coverage in the states indicated below.)

Republic Underwriters Insurance Company
Republic Underwriters Insurance Company is licensed to transact business in: Arizona, Colorado, Louisiana, Nevada, New Mexico, Oklahoma, Texas and Utah.

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Southern Insurance Company
Southern Insurance Company is licensed to transact business in: Alabama, Arizona, Arkansas, California, Colorado, Delaware, Florida, Georgia, Idaho, Illinois, Indiana, Iowa, Kansas, Kentucky, Louisiana, Maryland, Michigan, Minnesota, Mississippi, Missouri, Montana, Nebraska, Nevada, New Jersey, New Mexico, Ohio, Oklahoma, Oregon, Pennsylvania, South Carolina, South Dakota, Tennessee, Texas, Utah, Virginia, Washington, West Virginia and Wyoming.

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Republic Fire and Casualty Insurance Company
Republic Fire and Casualty Insurance Company is licensed to transact business in: Colorado, Louisiana, Nevada and Oklahoma.

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Republic-Vanguard Insurance Company
Republic-Vanguard Insurance Company is licensed to transact business in Arizona and New Mexico and is authorized or approved as a surplus lines insurer in: Illinois, Kansas, Louisiana, Maryland, Missouri, Oklahoma, Oregon, and Texas. Republic-Vanguard Insurance Company may be able to write policies as a surplus lines insurer in additional states depending upon such states' laws and regulations.

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Southern Underwriters Insurance Company
Southern Underwriters Insurance Company is licensed to transact business in Louisiana and Oklahoma.

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Southern County Mutual Insurance Company
Southern County Mutual Insurance Company is licensed to transact business in Texas.

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Southern Vanguard Insurance Company
Southern Vanguard Insurance Company is licensed to transact business in Texas.

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Republic Lloyds
Republic Lloyds is licensed to transact business in Texas and Louisiana.

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