Choosing the Right Insurance Advisor is One of the Most Important Decisions You Will Make

At The Turner Agency, helping businesses and people is what we do best. We’ve been independent and putting your needs first since 1962.

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Our Commitment

At The Turner Agency, we care about you, your business, and your family.

We’ll always be here for you.

We’re independently owned and have been in business since 1962. We’ll offer you sound, professional advice as your trusted insurance advisor.

We care about you.

We care about helping you find the coverage that fits your needs. As life changes, we’ll be here to serve you with knowledge and compassion.

Friendly service you can trust.

You’ll always be greeted with a warm welcome and friendly service from our dedicated team, and never forwarded to a call center for help.

We’ll treat you with respect.

We hope you’ll be a customer for life. We’ll always look out for your best interests and offer advice to protect what matters to you.

The Turner Agency, Inc.

“Take care of the customer and the rest will take care of itself”

–Clarence R. Turner, Jr. Founder

As an independently owned agency founded in 1962, we are proud to provide personalized service and risk management to businesses, families, and individuals throughout the Southeast. At The Turner Agency, we care about your success and protecting your assets.

Our access to multiple companies and our commitment to quality service enable us to offer you a broad choice of products and unparalleled advocacy. We are dedicated and committed to treating you as a person, not a policy. Whether you are searching for business insurance or personal insurance, we are your advocate. Read more about us!

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What makes our independent agency different?

  • We represent multiple insurance companies.
  • We are licensed insurance advisors.
  • We are by your side every step of the way.
  • We offer a wide variety of insurance solutions.
  • We are there for you in your time of need.
Find Out How

Business Insurance

Coverage and risk management solutions for companies of all sizes.

Personal Insurance

Trusted advice and insurance solutions to protect what matters most.

Life & Health

Peace of mind and protection for you, your family, and your team.

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Service With a Local Touch

We are proud to offer great customer service with a local touch to our clients throughout the Southeastern United States.

Greenville, SC

623 Halton Road
Greenville, SC 29607
864-288-9513

Clemson, SC

145 Thomas Green Boulevard
Suite 206
Clemson, SC 29631
864-986-6000

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The Turner Agency, Inc. + Trusted Choice

We hold ourselves to unusually high standards because you’re a person, not a policy. As a Trusted Choice agent, we represent multiple companies, provide value, and offer you great service from a trusted advisor.

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Our Clients Count on Us

See how we deliver for our clients time and time again.

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Real clients. Real reviews. Real coverage.

“I have been with The Turner Agency for 45 years. Initially only for car insurance. Then for all our insurance needs, including our business. I value the personal touch and recommend them very highly.”

– Adrian Steinmann
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Get a glimpse of the risks you face and how your insurance can protect what matters most.

Business

Business Owners Policy (BOP)

Risk Factor

As a business owner, you've worked hard to build a solid business. But what happens when the unexpected happens? Are you covered?

Solution

A business owners policy is uniquely designed to protect your most important assets, including your business, its continuation, your employees, and your way of life. Discuss the details of this coverage with your agent and ensure that you're protected.

Errors and Omissions Liability (E&O)

Risk Factor

If you perform services for others, you are at risk of not doing the work correctly (errors) or not doing it at all (omissions). Lawsuits can arise claiming the error or omission harmed your client and caused them a financial loss.

Solution

Errors and omissions liability insurance protects any business that gives advice, makes educated recommendations, designs solutions, or represents the needs of others. Ensure you have this important coverage if you perform services for clients.

Directors and Officers Liability Insurance (D&O)

Risk Factor

Directors and officers (such as board members) are exposed to increased risk factors and are held accountable for acts that claim negligence in the performance of their duties. Any resulting lawsuits are typically expensive to defend, resulting in potentially large settlements.

Solution

Obtain comprehensive coverage to protect senior individuals of your company. Directors and officers liability insurance provides coverage for the legal costs to defend a covered lawsuit and provides the money necessary for any settlement beyond the defense costs.

Commercial Umbrella

Risk Factor

What happens when your business faces a large liability loss that exceeds the basic limit of your standard policy?

Solution

A commercial umbrella policy provides high limits of insurance, typically between $2,000,000 and $10,000,000. Coverage is extended over your general liability insurance, workers' compensation, business auto, as well as directors and officers liability coverage. It provides a great safety net and helps ensure your business is well protected.

General Liability

Risk Factor

Businesses are susceptible to many risks, such as claims due to bodily injury, property damage, personal injury, and more.

Solution

General liability insurance is an absolute necessity for any business. It provides broad coverage when you are deemed responsible and liable, and will also pay to defend any covered lawsuit or action regardless of its merit.

Crime and Fidelity Bond

Risk Factor

What will you do if one of your trusted employees is found guilty of doing something dishonest?

Solution

Crime and fidelity coverage is designed to provide coverage for employee dishonesty, forgery and depository, theft, destruction and disappearance, and more. Discuss the details of this coverage with your agent to learn more.

Environmental Insurance

Risk Factor

Could your business cause damage to the environment? If so, are you covered?

Solution

Environmental insurance provides protection if an environmental catastrophe occurs.

Systems Breakdown

Risk Factor

With technology performing many tasks in today's world, a breakdown can cause a significant financial burden, including the cost to repair the equipment, the interruption of your business, as well as any lost income and extra expenses.

Solution

Comprehensive coverage provides protection against equipment mechanical breakdown. Discuss the details of what's covered with your insurance agent.

Workers' Compensation and State Disability

Risk Factor

If one of your employees receives an injury or becomes ill due to a work-related occurrence, you are required by law to have the proper coverage in place.

Solution

State disability and workers' compensation protects your employees should a job-related injury or sickness occur during the course of employment. This coverage is required by law, so be sure that you have it.

Business Auto Insurance

Risk Factor

An auto accident can cause bodily injury or property damage to others for which you are responsible, potentially putting your business in financial jeopardy.

Solution

Business auto insurance provides coverage for vehicles owned or leased by a commercial enterprise and provides coverage for bodily injury, property damage, and other coverages, and includes both comprehensive and collision coverage.

Employment Practices Liability Insurance (EPLI)

Risk Factor

On average, it's estimated that three out of five businesses will be sued by their employees. While there is nothing you can do to prevent someone from filing a lawsuit, there is something you can do to limit the costs of defending a legal claim.

Solution

Obtain employment practices liability insurance to protect your business and its directors, officers. and employees from alleged employment-related acts such as wrongful termination, failure to promote, discrimination, and sexual harassment.

Cyber Liability

Risk Factor

The Internet has spun a whole new web of liability exposures. E-commerce, social networking, cloud storage, and other technologies bring great benefits to large and small businesses alike. But with these benefits also come challenges, including protection of privacy, data, and financial information of your customers.

Solution

Cyber liability coverage covers unauthorized access to electronic data or software within your network. It also provides coverage for spreading a virus, computer theft, extortion, or any unintentional act, mistake, error, or omission made by an employee. This coverage is quickly becoming more and more important as you embrace technology to help run your businesses.

Business Income

Risk Factor

What would you do if a fire impacted the operation of your business? Or what if a pipe leak caused a system outage or extended downtime? These and other events can destroy your ability to serve clients and bring in revenue, which can have a major long-term impact on the viability of your business.

Solution

Business income insurance compensates you for lost income if the business cannot operate as normal due to damage that is covered under your commercial property insurance policy, such as fire or water damage. Business interruption insurance covers the revenue you would have earned, based on your financial records, had the incident not occurred. The policy also covers operating expenses, like electricity, that continue even though business activities have come to a temporary halt.

Commercial Property

Risk Factor

Your business property is a significant financial investment. What if something happens to it?

Solution

Commercial property insurance can help protect the property your business owns or leases, including things like equipment, inventory, furniture, and fixtures. Whether you own your building or lease your workspace, commercial property insurance can be purchased separately or can be combined with other necessary coverage to protect your business’ physical assets.

Business Insurance 101

Make sure you cover the unique risks you face with business insurance.

  • Click on the hotspots.
  • Discover your risks.
  • Get the right coverage.
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