Owens Insurance Agency

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Owens Insurance Agency Owens Insurance Agency, located in Clinton, Mississippi, is a Managing General Agency (MGA) specializing in surplus lines business.

Started in 1973 by Sam Owens, we are a family owned and operated business.

Every new project comes with its own set of variables — a different location, a different contract, a different scope of...
10/14/2026

Every new project comes with its own set of variables — a different location, a different contract, a different scope of work. Each change can also shift what your coverage needs to do.

So, if the new year has brought new projects to your team, it's worth a quick conversation to make sure your policies still match the job in front of you. Swipe through for a few things worth reviewing.

Got new projects on the horizon? We’re here to help. Just give our team a call, and we can find a time to connect.

Flood insurance is becoming more difficult to place for some clients, especially when the risk profile is more complex t...
10/06/2026

Flood insurance is becoming more difficult to place for some clients, especially when the risk profile is more complex than a standard submission. That’s where MGAs, like our team, can come in to help. Swipe to see more.

If you’re navigating a flood placement in a hard-to-cover area or a client whose exposure doesn't fit neatly into the standard market, contact our office. We are here to be a resource for you.

Do you know when a risk is best suited to a surplus market? This is a common question agents run into, and knowing the a...
10/01/2026

Do you know when a risk is best suited to a surplus market? This is a common question agents run into, and knowing the answer can be tough.

So, to help you out, we wanted to share a few common cases where a non-admitted, or excess and surplus (E&S) market, can be a good fit:

✅ The risk doesn't fit the filed forms - Unique operations, unusual locations, mixed occupancies, or contract requirements call for accommodations beyond standard forms.

✅ The exposure is genuinely non-standard - Emerging industries, new product lines, atypical revenue streams, or a business model that doesn't map neatly to an admitted underwriting template could be better suited for a surplus market.

✅ Loss history tells a complicated story - Frequency issues, severity spikes, prior non-renewals, and cancellations can indicate that a non-admitted market could be a good fit.

✅ Capacity is the constraint - Higher limits, layered placements, catastrophe-exposed property, or schedules where admitted capacity is thin can often fit better in an E&S market.

✅ The market is moving faster than filings can - When a coverage need is evolving quickly, the E&S market's ability to adjust terms and pricing can be the difference between "no" and a workable "yes."

So, if you have an account that you think may be best supported in a surplus market but aren't sure, feel free to send it over. We're happy to take a quick look, confirm direction, and help you place the risk quickly.

With fall finally here, the season brings many wonderful things to enjoy; however, it also brings a few seasonal risks a...
09/29/2026

With fall finally here, the season brings many wonderful things to enjoy; however, it also brings a few seasonal risks around the home and on the road, too.

So, with that in mind, our team wanted to pass along some safety reminders for this season. Swipe for more information.

We hope you found these tips helpful! And, as you enjoy the season, it’s worth making sure your personal property coverage is ready to protect you no matter what comes your way. If you’d like to schedule a quick policy review as the season shifts or have any other insurance needs, please don’t hesitate to reach out. Our team is here to help.

If you are looking ahead to the end of the year and want to close out Q4 on a strong footing, now is the time to get you...
08/04/2026

If you are looking ahead to the end of the year and want to close out Q4 on a strong footing, now is the time to get your plans in motion.

The fourth quarter is one of the busiest times of year for many insurance professionals, which is exactly why having the right wholesale partner in place early can make a meaningful difference.

We can help:

✅ Strategize hard-to-place lines.
✅ Grant access to specialty markets for all types of inquiries.
✅ Move quickly during tight, end-of-year deadlines.
✅ Expand capability without having to take on additional in-house responsibilities.

So, if you are looking at Q4 and want to get set up with support to close out the year strong, don’t hesitate to reach out to our team. We are here to help.

As an insurance agent, you know that delivering strong customer service is always important, but it can be challenging w...
07/08/2026

As an insurance agent, you know that delivering strong customer service is always important, but it can be challenging when you are balancing tricky submissions, renewals, complicated overage questions, carrier requirements, and client expectations.

That is where working with the right MGAs, like our team, can make a real difference. Our role is not just to provide access to markets, but to help you respond faster, present better options, and give your clients a smoother experience from start to finish. Swipe for more information.

We are here to help you deliver the great experience you continuously deliver to your clients. That said, if you’d like to connect about how our team can assist you, don’t hesitate to give us a call.

And, as always, if there is an account you would like to discuss or a placement challenge we can help with, just reach out.

Summer can be a busy season for many businesses, with more customers through the door, more seasonal staff on the floor,...
06/29/2026

Summer can be a busy season for many businesses, with more customers through the door, more seasonal staff on the floor, and more events that could expand your liability exposure.

That means now is a good time to review your commercial coverage and ensure it keeps pace with your business. Our team is here to help you do just that.

Give us a call today, and we can talk through additional coverage options that could make sense for you and your team.

Spring and summer bring longer days and bigger project schedules. If your business is ramping up during this period, now...
06/24/2026

Spring and summer bring longer days and bigger project schedules. If your business is ramping up during this period, now's the time to review your coverage and ensure it's fully protected during busy periods. Even small gaps in coverage can let minor issues escalate into costly ones.

We’re here to help you ensure your business is fully protected. If you want to get started with a new construction policy or layer on additional coverages, don’t hesitate to reach out.

One of the most effective ways for agents to grow their business is to expand what they can offer. And one of the most e...
06/15/2026

One of the most effective ways for agents to grow their business is to expand what they can offer. And one of the most effective ways for agents to expand what they can offer is to partner with an MGA.

Swipe through for six ways working with an MGA can help open up new possibilities for agents and their clients.

If you’re curious about getting started working with an MGA, don’t hesitate to give our team a call. We are here to help you!

We enjoyed sponsoring the sand castle and volleyball at Independent Insurance Agents of Mississippi last week!
06/15/2026

We enjoyed sponsoring the sand castle and volleyball at Independent Insurance Agents of Mississippi last week!

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1054 Biedenharn Cove
Clinton, MS
39056

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