Southern Insurance Services

Protect yourself and your family.

We want to help you make smart decisions that protect you from the unexpected and help you plan for the future by offering reliable, quality insurance products that are important to you and your family. Our experienced team can help you analyze your options and suggest the best alternatives for your needs.

Contact Us

Our team of expert agents are always available to answer your insurance questions.

Johnny Hardcastle

Johnny Hardcastle

Agency Manager


Lisa Grissom

Lisa Grissom



Toni McClish

Toni McClish

Customer Service Representative


Where We're Located

Southern Insurance Services offices are located in these Southern Bank branches:

Hours of operation: Monday thru Friday 8:30am - 4:00pm

Kennett - 301 First Street
Dexter - 303 West Market Street
Gideon - 106 Main Street






Personal Insurance

Life happens quickly. Preparing in advance can give you peace of mind. >

Older couple hiking

Our goal is to protect you from the unexpected through quality insurance coverage that meets your needs, and fits your budget.

Homeowner Insurance
Your home is one of your biggest assets, and it’s important to do all that you can to protect it. We’ll help you plan for the unexpected with insurance coverage that’s just right for you and your family.

Auto Insurance
Your automobile can be a fairly costly investment – one that is exposed to many potential losses that are out of your control. We’ll make sure you have the protection you need at a price you can afford.

Seasonal and Secondary Home Insurance
Your vacation property is an amazing getaway from the daily grind, but it comes with unique risks. We’ll make sure you have the right coverage specially designed for the unique exposures involved.

Umbrella Insurance
Experiencing a major insurance claim or lawsuit could lead to personal financial loss if costs exceed coverage provided by your standard homeowners and auto policies. We’ll help protect your financial future.

Watercraft Insurance
Whether you own a paddle boat or a power boat, you want to enjoy your time on the water without worry. We’ll help you leave your worries behind and fully enjoy your time on the water.

RV Insurance
Whether you’re planning a family vacation or a weekend road trip, you want to have peace of mind on the open road. We’ll work with you to make sure owning an RV is a rewarding experience, and also a safe one.

Renters Insurance
When you rent or lease, your landlord’s insurance usually only protects the building itself — not your personal belongings. We’ll design coverage to protect your personal property and your lifestyle while renting.

Motorcycle Insurance
While you’re on the road chasing the scenery, you need insurance that works hard to protect your adventurous spirit. We’ll help you hit the road with smart, customized coverage – no matter what journey you find yourself on.

Classic Car Insurance
Your prized collector car represents real commitment of your time and resources. We’ll help you protect your investment through specialized insurance coverage designed for classic car lovers like you.

Valuable Possessions Insurance
Accidents happen. Gems fall out of rings. Antiques get broken. Art gets stolen. We’ll get you the protection you need for your most precious belongings in the event of loss through theft, accident or natural disaster.

Off-Road Vehicle Insurance
Your off-road vehicle needs protection that’s different from what your auto or homeowners insurance can provide. We’ll help keep you and your off-road vehicle safe and secure while you explore.

Individual Life Insurance
You can’t put a dollar amount on your family, but you can ensure their future is protected. We can’t predict the unexpected, but we can help you prepare for it when it happens.

Long Term Disability Insurance
Serious illnesses or accidents can happen in a moment. They can interrupt your life, and your ability to work for long periods of time. We’ll make sure you have financial support to manage your disability and your family.

Condo Insurance
The master condo policy typically protects only the shell of your unit, leaving your personal property and the unit interior at risk. We’ll make sure you understand your bylaws and have the protection you need.

Commercial Insurance

Insurance tailored to your business. >

Woman hanging sign

Protect Your Business
Whether it is insurance for your building, business property, equipment, inventory or company vehicles, we offer products and services to protect your business. In addition, we offer group health and retirement plans.

Property Insurance
Property Insurance covers the risk of property loss in a variety of commercial situations, including commercial buildings, equipment, furniture, fixtures, inventories, business records, supplies and other physical items.

Property Insurance may cover two types of property losses:

  • Direct losses may be covered when property is lost, stolen, damaged or destroyed.
  • Indirect or consequential losses related to direct losses may also be covered.

Commercial General Liability Insurance
Casualty Insurance consists primarily of liability coverages, which protect an insured party against injury or damage claims made by other parties.

Policies provide coverage for liability arising out of:

  • Premises and Operation
  • Fire Damage Liability (damage by fire to premises rented to insured)
  • Personal and Advertising Injury
  • Medical Payments
  • Products/Completed Operations

You may want to consider a Business Owners Package which combines your Liability, Property and other types of coverage into one comprehensive policy and which can help you save time and money on your total insurance program. And since we live in an age of million-dollar lawsuits, you may also want to add extra liability protection in the form of a Commercial Umbrella Policy. We can tell you more about these plans and if they make sense for you.

Business Auto Insurance
Business Auto coverage insures vehicles that are owned, leased, hired or borrowed by businesses, whether they are associations, corporations, partnerships or sole proprietorships. Business Auto coverage may be used to insure private passenger autos and all types of trucks, trailers, semitrailers and commercial vehicles designed for use on public roads. We can give you more details about specific coverages and deductibles and about tailoring a Business Auto plan that's right for you and your business.

Workers' Compensation
Workers' Compensation coverage applies to bodily injury and diseases arising out of and in the course of employment. Any bodily injury must be accidental, and the term includes death resulting from the accident. Only occupational diseases, which are unique to the occupation, are covered.

Policies provide coverage for liability arising out of:

  • Medical benefits
  • Income benefits
  • Death benefits
  • Rehabilitation benefits

A representative can provide you with complete details on Workers' Compensation Insurance and recommend cost-effective ways to control expenses through safety engineering and claim services.

Agri-business & Farm

Your farm is more than just a business. >

Farmer in pasture with cows

It is your home, your passion, and your family's livelihood. A lot is riding on its success. Southern Insurance recognizes the importance of our local farming community and the unique set of challenges it faces. Whether you have a hobby farm, livestock, dairy, crop, or a combination, our professional team can design the perfect agriculture line of coverage to protect you from the unexpected. We provide complete Agri & Farm Insurance protection that you can depend on. We offer tailor made programs available for small, medium and large farming operations.

Farm Equipment - Each piece of equipment on your farm serves an important function and can be vital to the farm’s success. If you have had to purchase new or replace any of these pieces, you know they can be costly. Protect your farm’s equipment and your ability to maintain operations with a farm equipment line of coverage from Southern Insurance.

Farm Property and Buildings - Your farm relies on more than just crops, livestock and equipment. Protection for barns, equipment sheds, fences, storage containers and structures, feed, seed and the tools you use every day are just as important. Ask us about protection for everything else your farm relies on.

Farm Homeowners - If your farm is also your home, we can include homeowner’s policies along with the rest of the coverage you need. Protect your home, as well as your farm.

Farm Automobile & Trucks - From trucks to farm truck tractors, ATVs and even trailers, the vehicles that keep your farm or ranch working need special protection.

Farm Liability - Our customizable coverage can protect you from bodily injury claims or accidental property damage claims that occur as a result of your farm or ranch operation. Claims can be unpredictable, and you need a plan to cover these claims. From family farms to commercial ag, we have the coverage to fit your operation.

Farm Umbrella - Farm Umbrella Policy — provides high limits of liability to protect an insured farmer against a catastrophic liability loss. This policy grants liability coverage that stacks on top of the primary liability coverage provided by the insured farmer's farm owners policy, personal auto, and any other scheduled underlying liability policy. It covers bodily injury, property damage, and personal injury. The farm umbrella policy also fills some gaps in coverage over a specified deductible (often called a retained limit) in the underlying policy.

Transportation Insurance

We’ll ensure you comply with federal regulations and are properly covered. >

Semi-truck on highway

Whether you are looking for owner operator, motor carrier or private carrier, we can help you find the best fit for your trucking insurance coverage.

  • Semis (tractor-trailers or 18-wheelers)
  • Dump trucks
  • Garbage trucks
  • Car haulers and auto trailers
  • Tow trucks
  • Flatbed trucks
  • Tank trucks
  • Indirect or consequential losses related to direct losses may also be covered.

Commercial Truck Liability Insurance
Commercial Truck Liability Insurance covers your liability risks if you or one of your drivers has an accident. Your policy will include bodily injury liability to cover the costs of any injuries and/or medical expenses for the injured party. You will also have property damage liability to cover the costs of any property damage resulting from an accident.

Comprehensive Physical Damage and Collision Coverage
Physical Damage Coverage covers any damage to your vehicle from an accident or other incidents. It also includes comprehensive coverage that pays for damage from theft, vandalism, and non-collision causes. Physical Damage Coverage also includes collision coverage.

Motor Truck Cargo Coverage
Motor Truck Cargo insurance protects the transporter for his responsibility in the event of damaged or lost freight. The policy is purchased with a maximum load limit per vehicle.

Non-Trucking Liability/Bobtail Coverage
Non-Trucking Liability (Bobtail Coverage) provides limited liability insurance for owner-operators who are permanently leased to an ICC regulated carrier. It provides limited liability protection when the owner-operator is not on dispatch, nor pulling a loaded trailer.

Flood Insurance

For those ‘more frequent than hundred year’ floods. >

House on flooded street

Flood Insurance
Just because you don’t live in a high flood risk area, doesn’t mean it’ll never happen to you. We’ll provide the specialized coverage you need to help protect your home from rising waters – even if you’re not in a flood zone.

What is it?
Flood insurance is a type of property insurance that covers a dwelling for losses sustained by water damage, as it specifically relates to flooding. It is an insurance policy that helps to protect you against property damage in the event of a flood. If you live in an area that is deemed to have a high flood risk, you will likely be required to buy flood insurance buy your mortgage lender.

What is covered by flood insurance?
Flood insurance covers losses directly caused by flooding. In simple terms, a flood is an excess of water on land that is normally dry, affecting two or more acres of land or two or more properties. For example, damage caused by a sewer backup is covered if the backup is a direct result of flooding.

Why you should buy flood insurance?
Flood insurance compensates you for all covered flood-related losses to your home or business after your deductible is met. You can depend on being reimbursed for flood damages because NFIP flood insurance is backed by the federal government, even if the President does not declare a federal disaster.

Flood insurance in general is required for homeowners if their residences are located in special flood hazard areas (SFHAs) and have federally backed mortgages. If this describes you, every lender will require you to carry flood insurance that covers the smallest of these three: The cost to completely rebuild your home, the amount remaining on your mortgage, or $250,000, which is the coverage limit for NFIP insurance.

Flood Insurance Options
The current flood insurance marketplace offers three major options for consumers:

NFIP-backed Policy
This is a NFIP policy obtained directly through the NFIP or a WYO insurer. WYOs are private insurance companies that assume no risk, but sell NFIP-backed insurance under their companies’ names. Under the arrangement, the private companies are compensated for policies written and claims processed, while the government defines underwriting rules and assumes all of the risk.

NFIP coverage is limited to $250,000 on personal residences and $500,000 on commercial structures. The program is reliant on government funding, so if it is not reauthorized or the government debt ceiling is not adequate, the NFIP cannot issue new coverage or renew existing policies.

NFIP Lookalike Policy
This is a NFIP policy obtained directly through the NFIP or a WYO (Write Your Own) insurer. Some insurers, including some WYOs, now offer policies which are nearly identical to NFIP policies, besides the fact that the issuing carrier assumes the risk. It is still unclear how many states will require insurance professionals to take the NFIP class to sell these products.

This approach is fairly new, and the jury is still out as to how state insurance commissioners will regulate it. The product is usually sold as surplus lines coverage.

Private Insurer Policy
This is a “normalized” policy, with a privately backed insurer, that performs to insurance industry norms. High-quality private insurers offer more robust coverage and higher limits than the NFIP or similar policies. Often, these private policies come with lower rates for policyholders, language that is easy to understand and explain to clients, and user-friendly applications and policy forms.

Further, options are sometimes available to bundle flood with other perils like earthquake and landslide. With some private insurers, agents and brokers will find a broader definition of “flood,” plus coverage that includes basement contents, business interruption and additional living expense, among numerous other enhancements.

What is the NFIP?
The National Flood Insurance Program (NFIP) is a program created by the Congress of the United States in 1968 through the National Flood Insurance Act of 1968 (P.L. 90-448). The program enables property owners in participating communities to purchase insurance protection, administered by the government, against losses from flooding.

What is Private Market Flood Insurance?
Private Market Flood Insurance is coverage for flood insurance that is not offered through the National Flood Insurance Program. This includes primary standalone policies and first dollar policies that cover the flood peril and excess flood

About Us

Where we started and where we’re headed.

Our agency started as First Commercial LLC in July of 2000. For over 20 years, our goal has been to help you make smart decisions that protect you with quality insurance coverage that meets your needs, and fits your budget. In November 2018, we were purchased by Southern Bank as part of the First Commercial acquisition and at that time, we became Southern Insurance Services.

We have physical locations in Missouri at Kennett, Dexter, and Gideon. However, we service most of the Southern Bank footprint which extends across Southern Missouri and Northern Arkansas. In addition to the full line of personal products like homeowners, auto, boat, and RV; our team of 3 producers have expertise in large scale commercial products, farm, flood, and artisan programs. We also have competitive premiums on life and health products.

We quote multiple partners to get you the best coverage at the best price.

We are here to service you with our promise of the best service and the best experience as we strive to have the best markets at the best prices.

Not FDIC Insured | No Financial Insitution Guarantee | May Lose Value

Ready to explore your insurance options?