Why Southern Insurance Assc. Southern Insurance Associates is a family of independent insurance agents located in Chattanooga, TN with community roots back to 1910. We are an agency that represents over 70 insurance companies, which allows us to do the insurance shopping for you. We welcome you to our site and look forward to serving all your insurance needs.As an independent insurance agency, our goal is to assist you in all your insurance needs. We will help you manage and plan for all your potential risks. As professionals, we assess your needs and offer you a variety of insurance products to choose from. Service, whether it is in response to an insurance claim or general question, is the most important value we offer you.