Personal Lines Insurance

We represent a large assortment of A and A+ Rated, personal lines, insurance companies. We can usually find our clients better coverages at a more competitive price. Please give us an opportunity to earn your business. You can call us, email us, or complete the online application and one of our personal lines agents will be happy to assist you. You can also get an online quote for your homeowners or your personal automoble policy by clicking on the tabs on the right side of this page, under our featured carriers.

Business Insurance

Theodore & Associates specializes in small business insurance solutions and insurance for landlords and property investors.  Over the years we have stayed focused on insuring small business and have carefully selected the insurance companies we represent based on the unique insurance needs of our small business clients. 



Our Services

Service to our clients is our main focus. Our goal is to be a valuable part of our clients financial success by protecting them against unforeseen, unavoidable losses, and doing so with as little effort as possible from our client. What makes us different from our competition is our friendly, informed and professional staff and our ability to respond to our clients needs quickly. We provide old fashion service to our clients with a modern, high tech delivery system.

Trusted Choice® Pledge of Performance


What makes us different?

For starters, when you call our office during business hours a person answers the phone. If your team is not available at the time of your call, you have an option of voicemail.

Most commercial insurance agencies are divided into departments in which the sales staff contacts a prospect and then turns it over to the marketing department that finds an insurance company to quote and then a service department that deals with the day-to-day processing. You usually end up with a different person each time you call. At Theodore & Associates, a team of Brokers and Agents handle your commercial account. Your team will handle your account from beginning to end. Your Lead Broker gathers your specific information, designs the tailored coverage program that fits your needs, and then negotiates with our many insurance companies for the most competitive premiums. The Lead Broker works with an In-House Broker and Agent throughout the process. That way a team member is usually available to handle your service needs.

Theodore & Associates represent an unusually large number of insurance companies. This gives us the ability to provide you, our client, with the most comprehensive coverage program with very competitive premiums. Our relationships with our insurance companies have been cultivated over many years, some going back for over a century.

Theodore & Associates has a stable and experienced staff. Our staff has been with Theodore & Associates for an average of 14 years. We have lost some staff to our competitors but many of them have come back. We pride ourselves on having a highly trained and experienced insurance staff, many with over 30 years insurance industry experience.

Our agency automation system is state of the art and secure so  that your personal information is protected.  We are also paperless so after your information is put into our secure system it is then shredded.

We look forward to serving you and providing for all your insurance needs.




Come By & See Us!

Proudly serving the state of South Carolina since 1984. We work for you. Call, email, or stop in today and let us help you!


1700 Laurel Street
Columbia, SC 29201

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204 N Gum Street
Summerville, SC 29484

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Get a Quote or call for a quote at 803-799-9979 or 843-871-3950