Securing Your Tomorrows.
One team.
That actually
answers the phone.
We're not your grandfather's insurance brokerage. A young, forward-thinking team using modern tools to find better coverage at better prices — without the corporate runaround.
Nicolas Cain, MBAManaging Agent & Founder
I didn't start this agency to just sell policies. I started it because I watched too many people get burned — stuck with coverage they didn't understand, from agents who disappeared after the ink dried. My MBA from the Jack Welch School of Business taught me the operational side. Growing up in this community taught me the human side. You deserve both.
I built Cain Family Insurance to be what insurance brokerages rarely are: transparent, responsive, and genuinely invested in your outcome. We answer our phones. We return calls the same day. And we never, ever recommend a policy we wouldn't sell to our own family.
The name isn't just branding. My wife, my kids, my parents — they all depend on the same coverages we help you choose. When your family's protection is on the line, you want someone who treats it as personally as you do.
Insurance solutions
built around you.
We partner with top-rated carriers. Every client gets a custom comparison — not a one-size-fits-all quote.
Commercial Insurance
Comprehensive business protection including commercial auto, general liability, workers compensation, contractor insurance, trucking insurance, and business owners policies.
Multi-carrier comparison for your business
Health Insurance
Affordable individual and family health coverage with expert guidance.
Medicare Solutions
Navigate Medicare with confidence through personalized guidance.
Employee Benefits & ICHRA
Competitive benefits packages and ICHRA solutions for modern employers.
Not just quotes.
Real outcomes for real people.
Every client has a story. Here's what happens when you work with a brokerage that actually digs into the details.
Contracting Business
A local contractor with 12 employees was getting crushed by workers' comp premiums — $84,000 a year with a 19% renewal increase on the table.
We benchmarked their current policy against 8 carriers, identified a misclassification in their employee codes that was inflating their risk rating, and rebuilt the policy with proper classifications and a safety program discount.
Saved $22,000 annually — plus got them a dedicated claims advocate who reduced their open claims liability by 40% in 6 months.
Manufacturing Company
A 45-employee manufacturing firm was losing good people because their group health plan was too expensive and the coverage was terrible. Renewal was coming with a 14% hike.
We transitioned them to an ICHRA model — they set a fixed $450/month allowance per employee, employees picked their own plans on the individual market, and the company locked in predictable costs.
Company saved 23% on benefits spend year one. Employees got better coverage. Zero turnover in the 12 months since switching.
Retired Couple
A couple turning 65 was drowning in Medicare mailers. 47 plan options. They almost enrolled in an Advantage plan that didn't cover either of their specialists.
We sat down with them for 90 minutes, reviewed every prescription, every doctor, and their travel habits. Built a Supplement + Part D combo that covered everything they actually needed.
Both specialists in-network. Prescriptions covered. And they saved $1,100/year versus the Advantage plan they almost picked on their own.
Trucking Company
An owner-operator with two trucks had commercial auto coverage that excluded loading/unloading liability — a gap they didn't know about until we reviewed their policy. One claim in that gap zone could have bankrupted them.
We sourced a specialized trucking policy from a carrier that understands the industry, included motor truck cargo coverage, and added non-trucking liability for when they're off dispatch.
Full coverage with no gaps for $3,200 less per year than their old, incomplete policy. Peace of mind for the first time in 6 years of business.
No pressure. No obligation. Just an honest conversation about what you actually need.
Not tied to one carrier.
Tied to you.
Our independence means we work for you — not an insurance company. Here's what that actually looks like.
We Answer Our Phones
No automated menus. No call centers. When you call (803) 859-7052, a licensed professional picks up — same day, every time. Try it.
20+ Carriers, Zero Loyalty to Any
We shop Blue Cross, Aetna, UHC, Humana, GEICO, Progressive, Nationwide, and 13+ more — because we work for you, not an insurance company.
Licensed Across SC, NC, GA, FL & More
One brokerage for all your locations. We handle multi-state compliance so you don't have to juggle different agents in different states.
Every Policy Is Custom-Built
We don't quote until we understand your situation. Business, family, retirement — your coverage should fit your life, not a template.
Aiken-Based, Community-Rooted
Our office is at 900 Trail Ridge Rd. We live here, our kids go to school here, and our reputation depends on every single client we serve.
We Don't Disappear After the Sale
Annual policy reviews. Claims advocacy. Mid-year check-ins when life changes. Most clients stay with us 5+ years because we earn it every year.
Real people.
Real expertise.
No call centers. No automated menus. When you call Cain Family Insurance, you get a licensed professional who knows your name and your story.
Nicolas Cain, MBA
Managing Agent & Founder
Nicolas is the visionary founder of Cain Family Insurance, building the brokerage from the ground up with a mission to make quality insurance accessible to everyone. Currently pursuing his DHA, Nicolas combines academic rigor with real-world expertise to lead the brokerage forward. His strategic vision has positioned Cain Family Insurance as a trusted independent brokerage serving businesses, families, and seniors across SC, NC, GA, FL and more.
Abbey Blackston
Health Benefits Consultant
A proud CSRA native, Abbey specializes in health benefits consulting with a unique focus on addiction recovery facilities. She understands the complex insurance needs of recovery centers and helps them secure comprehensive coverage that supports their life-saving work. Abbey brings deep local knowledge and a genuine passion for helping organizations that serve vulnerable populations get the protection they deserve.
Shellion Covington
Senior Medicare & ACA Specialist
Shellion is a dedicated senior specialist focused on Medicare and ACA Health Insurance, with a heartfelt mission to serve underserved communities across multiple states. She brings patience, clarity, and deep product knowledge to every client interaction, ensuring that seniors and families who need coverage the most get the guidance they deserve. Shellion's multi-state expertise means she can help clients navigate coverage options regardless of where they live.
Victorian Williams
Health, Life & Real Estate Professional
Victorian is a young, forward-thinking innovator who takes a holistic approach to protecting families. Licensed in health insurance, life insurance, and real estate, she understands that a family's well-being spans from their health to their home to their legacy. Victorian brings fresh energy and a 360-degree perspective, ensuring every client's coverage strategy aligns with their complete financial picture and long-term goals.
Don't take our
word for it.
Real feedback from real clients. Our reputation is built on trust, results, and actually caring.
Based on 6+ verified Google reviews
Verified Reviews“Nicolas and his team have been handling our commercial insurance for over 10 years. They saved us thousands by finding better coverage than we had before. Truly a partner, not just an agent.”
“Shellion helped me understand Medicare in a way no one else could. She was patient, knowledgeable, and found me a plan that saved me money while giving me better coverage. I recommend Cain Family Insurance to everyone I know.”
“As a small business owner, finding the right insurance was overwhelming. Nicolas walked me through every option and built a package that perfectly fits my contracting business. The ongoing support is incredible.”
We partner with
top-rated carriers so you
get the right fit — not a guess.
And many more trusted carriers available — contact us for the full list
Ready to stop overpaying for insurance?
Tell us what you need and our team will get back to you within one business day with personalized options — no pressure, no obligation.
Don't guess.
Get the facts.
Commercial Auto Insurance: Stop Overpaying in a Surging Market
Commercial auto rates are up 15-20%. Learn the 5 strategies our clients use to fight back against rising premiums — including how multi-carrier comparison alone saves $800-$2,400 per vehicle.
ICHRA: The Modern Alternative to Group Health Insurance
ICHRA adoption is up 350%. Learn why businesses are ditching traditional group plans — and how to set a fixed benefits budget while letting employees pick their own coverage.
Medicare Turning 65: Your Complete Decision Guide (2026 Edition)
New for 2026: CMS GLP-1 Bridge Program with $50 copays, $2,000 Part D cap, and expanded Advantage benefits. Don't enroll without reading this first.
ACA Health Insurance: Maximize Your Subsidy, Minimize Your Costs
4 out of 5 people qualify for subsidies — most don't know it. Learn how enhanced subsidies work in 2026, how to avoid the low-premium-high-deductible trap, and navigate Special Enrollment.
Life Insurance: How Much You Actually Need (And What It Really Costs)
Americans overestimate life insurance cost by 300%. A 35-year-old can get $500K for ~$30/month. This guide walks you through exact coverage calculation and the "ladder strategy" smart families use.