Who We Are

We’re a family-owned MGA & surplus lines wholesaler based in Knoxville, Tennessee, proudly serving independent insurance agencies across Tennessee, Kentucky, Mississippi & Arkansas. Since 1999, we’ve built a reputation on being accessible, experienced, and easy to work with.



You won’t find a corporate call center here. You’ll find a tight-knit team that answers the phone, knows your name, and turns around quotes fast.

What We Do

We help agencies like yours place tough-to-insure risks through excess & surplus lines (E&S) carriers. From apartment buildings and bars to vacation rentals and auto repair shops, we specialize in the stuff that standard carriers turn away.


Our goal is simple: make it easier for you to write more business.

Our Story

We opened our doors in October 1999 with a commitment to doing things the right way: treating agents like partners, being honest about what we can and can’t write, and delivering personal service that bigger firms just don’t offer.



Today, we work with a few hundred agencies across the Southeast – many of them for 10+ years and counting. That loyalty goes both ways. We’ve stayed small on purpose, so we can be responsive and flexible while giving each submission the attention it deserves.

Why Agents Trust Us

Fast Response Times

Submissions reviewed quickly, and we’ll always let you know where things stand.

No Volume Requirement

Whether you send us one risk a year or one a week, we’re happy to help.

Knowledgeable Team

We’ve been doing this a long time. We know the forms, filings & quirks of the E&S world.

Licensed & Local

We understand the markets and challenges unique to TN, KY, MS & AR.

Built on Relationships

Our business runs on referrals and repeat agents. That only happens when you’re doing things right.

Meet The Team

We’re a small crew – and that’s our strength. Everyone here wears multiple hats, but we all share the same goal: making life easier for our agents.

You can reach any of our team members at (865) 909-0181, using the following extensions:

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Matt Smith – x101

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Kathy Cipollini – x102

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Aleece Yearicks – x100

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Jacki Penn – x108

What’s Next?

If you’re an agent who’s tired of slow responses, hard-to-reach underwriters, or endless quoting with no results – give us a call. We’ll talk through your risk, offer honest feedback, and do what we can to help you win the business.



That’s what we’ve done for 25 years – and we’re just getting started.

Call for a Quote

We’re here Monday through Friday, ready to work with you on your next submission.


Call us at (865) 909-0181 or email jacki@sgatn.com to get started.