THGOS

The operating system behind
Carolina's coast

When national carriers abandoned barrier islands, one agency stayed. Now THG Insurance runs on an AI-powered command center that tracks every policy, every renewal, and every opportunity across the coastline.

40+
Years of coastal expertise
5
Agencies acquired
2
Offices across NC
The Reality

Insurance agencies drown in spreadsheets while storms roll in

Multi-carrier quoting. Renewal tracking across thousands of policies. Lead routing between offices. Hurricane season prep for an entire coastline. The operational load of a growing independent agency is relentless, and the tools built for national carriers don't fit.

What THGOS Runs

Built for the way coastal agencies actually work

Agency Metrics Dashboard

Policies in force, premium volume, retention rates, and carrier mix. All in one view, updated daily.

Renewal Risk Detection

Flags policies where premium increases could drive churn. Your agents get time to re-shop before the client walks.

Lead Qualification & Routing

Inbound leads scored by property type, location, and coverage need. Routed to the right agent at the right office.

Competitive Intel

Track carrier rate changes, market entrants, and acquisition targets across the Wilmington and OBX corridors.

Get Protected

Request a free quote

Coastal property? We specialize in it. Tell us about your coverage needs and our team will get back to you within one business day.

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We'll review your details and reach out within one business day.

The agency that stayed when
everyone else left

THG Insurance protects what matters most along Carolina's coast. THGOS makes sure the agency behind it all never misses a beat.