St. Simons Island-based independent insurance agency, The Live Oak Agency, takes pride in helping the Golden Isles community, and families across Georgia, understand their insurance coverages, compare options, and make confident decisions about protecting what matters most.
Live Oak Agency
Founded by CEO Phil Setzer, following a more than a decade of experience as a property insurance adjuster, The Live Oak Agency grew from the simple belief that people deserve guidance they can trust and coverage that truly protects the life they’re building. With a focus on personalized service, informed guidance, and community connection, the agency delivers tailored personal and business insurance solutions designed to support long-term success.
The agency’s own success in business hasn’t gone unnoticed. The Live Oak Agency recently earned the prestigious recognition of being named to the 2026 Bulldog 100 for the third consecutive year. Presented annually by the University of Georgia Alumni Association, the Bulldog 100 honors the 100 fastest-growing businesses owned or led by University of Georgia alumni, celebrating entrepreneurial excellence, sustained growth, and community impact.
The Bulldog 100 recognizes businesses that demonstrate strong revenue growth while embodying the Pillars of the Arch—wisdom, justice, and moderation—and the values that define the University of Georgia. Companies are ranked through a third-party evaluation based on verified financial data.
“Being recognized on the Bulldog 100 for a third consecutive year is both humbling and meaningful, and it reflects the steady commitment of our team, our clients, and our partners,” said Setzer, CEO. “This honor is a testament to the people behind our growth and the trust our clients place in us every day.”
For The Live Oak Agency, this continued recognition underscores a commitment to thoughtful leadership, long-term strategy, and service-driven growth. Rooted in Georgia values and fueled by innovation, the agency continues to expand while remaining focused on delivering exceptional results and lasting relationships.
As an independent agency, The Live Oak Agency partners with a carefully selected network of carriers to offer you options—real choices designed to fit your life, your budget, and your goals. Setzer stresses, “We don’t answer to a single insurance company. We answer to you, the client.” This means providing clear explanations, honest recommendations, and support that continues long after the policy is signed. “When you need us, we’re here: to review your policies, to shop rates, and to stand by you through the claims process.”
For more information about The Live Oak Agency and the services and support they offer, call 912.434.4220 or visit liveoakssi.com. They’re conveniently located mid-island at 1700 Frederica Road, Suite 305, with a dedicated team who is always willing to help, and are backed by the Bulldog pawprint of approval!
