Built On Relationships. Focused On Protection.
Terry Insurance Group helps families and businesses across Alabama, Tennessee, Mississippi, and Texas protect what matters most through personalized insurance solutions and access to 30+ A-rated carriers.
Our Story
Insurance Should Be Personal
Terry Insurance Group was built on the belief that insurance should be personal. As an independent agency based in Northport, Alabama, we take pride in helping families, contractors, trucking companies, and business owners find the right coverage at the right value.
With over 25 years of combined insurance experience and access to more than 30 A-rated carriers, our team works to simplify the insurance process while building long-term relationships with the people and businesses we serve.
We are not a call center. When you reach out, you talk to someone who knows your name, your policy, and your business. That is the difference an independent agency makes.
Why Clients Choose Us
We believe trust is earned through action. Here is what sets Terry Insurance Group apart.
30+ A-Rated Insurance Companies
Access to the nation’s top carriers
25+ Years Combined Experience
Deep expertise across personal and commercial lines
Independent Agency Advantage
We shop carriers for you — not the other way around
Personalized Service
You speak to a real person who knows your account
Commercial Insurance Specialists
Contractors, fleets, and small businesses are our focus
Licensed in Alabama, Tennessee, Mississippi & Texas
Local expertise across the Southeast
Fast Certificates & Policy Support
COIs turned around quickly — never miss a bid deadline
Annual Coverage Reviews
Proactive reviews to catch gaps and save money
Why Independent Insurance Matters
Unlike captive insurance companies that only offer one option, Terry Insurance Group compares coverage from multiple trusted carriers to help clients find the best protection and value for their unique needs.
That means more flexibility, better coverage options, better pricing options, and personalized guidance every step of the way. We do not push products — we build solutions.
Terry Insurance vs. Captive Agencies
See why more business owners and families are choosing an independent agency that puts their interests first.
Terry Insurance
Independent Agency
Same-day turnaround, 24/7 online access
Still unsure? Call us and we will walk you through exactly how an independent agency can save you money and improve your coverage.
See How Much You Could Save
Independent agencies typically save clients 10-25% by shopping multiple carriers. Contact us tod to see how much you could save.
No spam. No obligation. We typically respond within a few hours.
Commercial Insurance Built For Business Owners
We do not just sell policies. We understand the industries we serve — from roofing contractors and HVAC companies to trucking fleets and industrial maintenance firms.
Contractors
General liability, workers comp, commercial auto, and equipment coverage for construction professionals.
Roofing Companies
Specialized liability and workers comp designed for the unique risks roofing contractors face daily.
HVAC Contractors
Service van coverage, installation liability, and equipment protection for heating and cooling professionals.
Trucking & Fleets
DOT-compliant commercial auto, cargo coverage, and fleet management for trucking operations.
Industrial Maintenance
Liability and equipment coverage for industrial contractors serving manufacturing facilities.
Small Business (BOP)
Business Owner Policies combining property and liability for offices, restaurants, and retail.
Local Service You Can Count On
As a local agency, we believe relationships still matter. Our team is committed to being responsive, accessible, and dependable for every client we serve — whether it is helping a family protect their home or helping a contractor protect their business.
Frequently Asked Questions
Quick answers about our agency, our process, and how we can help you.
In what states is Terry Insurance Group licensed?
We are licensed in Alabama, Georgia, Florida, Tennessee, Mississippi, and Texas. We help families and businesses across all six states find the right insurance coverage at competitive rates from our network of 30+ A-rated carriers.
How is an independent insurance agency different?
Unlike captive agents who represent only one insurance company, independent agencies like Terry Insurance Group work with multiple carriers. This means we can shop the market for you, compare coverage and pricing across 30+ companies, and find the best protection at the most competitive rate for your unique needs.
Do you specialize in commercial insurance for contractors?
Yes. We are known throughout Alabama, Tennessee, and Mississippi for our contractor insurance expertise. We serve roofing companies, HVAC contractors, industrial maintenance firms, electricians, plumbers, and landscapers with customized commercial packages including general liability, workers compensation, commercial auto, and tools coverage.
How quickly can you provide certificates of insurance?
We understand that contractors and businesses often need certificates of insurance (COIs) quickly to bid on jobs or start projects. Our team typically turns around COI requests within the same business day — so you never miss an opportunity.
Ready To Work With A Local Independent Agency?
Let us review your coverage and shop 30+ carriers to find you better protection at a better rate. No obligation.