More than just insurance coverage.

A smart solution for individuals, families, and businesses who have more to protect.

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The best way to manage any risks.

Commercial Services

Our goal is to create tailored risk management solutions to meet our clients’ specific insurance needs. We use our broad range of experience and expertise to deliver customized insurance programs, providing clients with the best placement recommendations to fit their needs. Full Circle’s team of professionals takes the time to learn each client’s business, ensuring we market their program in the best way possible. We support their strategic goals with our continued brokerage and management services, ensuring they meet all necessary insurance requirements. 

Protect your personal assets

like a business.

Private Clients

Treat your personal insurance as you would your business, and give what matters most to you the attention it deserves. Our Private Client practice serves as your personal risk advisor. We use our experience and expertise in homeowners, auto, umbrella as well as other lines of insurance to develop customized insurance programs to fit our customers’ unique needs. Our goal is to provide each customer with a comprehensive risk management assessment of their portfolio and deliver an insurance package that works best for them. Our team members always go the extra mile to ensure each customer is protected and cared for throughout the year. 

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Charlie and the team at Full Circle have been a great partner to us at Fried-Goldberg. His consultative approach, access to lawyer specific programs and markets gave us peace of mind that we are in the best insurance product for our practice, all the while keeping an eye on the bottom line. In addition to protecting the firm, Full Circle has also provided comprehensive personal insurance reviews for several individuals and families at Fried-Goldberg, creating customized insurance programs to protect what we work so hard for.  - Joseph A. Fried, Fried Goldberg, LLC

Insurance designed for you.

Insuring high net worth individuals and companies is all we do, and it’s all we’ve ever done.

This focus has allowed Full Circle to craft specialized insurance solutions designed specifically for our clients.

Reduce risk, avoid worry

We know the risks you face. We will help you learn how to avoid them and if necessary, how to recover.

Tailored experience

Our clients are our top priority, therefore our goal is to custom craft protection unique to you.

Certified professionals

This is our specialty. We are Certified Insurance Counselors (CIC) and Commercial Lines coverage Specialists (CLCS).

About us.

Your insurance advocate. Full Circle is a privately held firm designed exclusively for financially successful families and businesses. By being privately held, this allows us the flexibility to always do what is right for our clients without having to answer to any 3rd party money.


At Full Circle, insurance is about more than just the things we protect. It’s about our clients. It’s about making them smarter about risk. It’s about helping them reduce their chances of experiencing a claim. And it’s about making them more resilient so that if a claim does happen, they can recover faster and with greater ease.


When you become a Full Circle client, you join a very select group of responsible, financially successful families and business owners who own high performing businesses, extraordinary homes, and other high-value assets.


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The team.

We are driven by a purpose of doing what is right for our clients while providing excellent service and significant premium savings. Full Circle was founded by Charlie Culverhouse and Cory Phillips, each playing a vital role in the execution of the company's vision.
Image of Charlie Culverhouse

Charlie Culverhouse, CIC, CLCS

Managing Partner

More about Charlie
Image of Cory Phillips

Cory Phillips, CSSC

Principal

More about Cory
Image of Terry Watkins

Terry Watkins

Founder
Image of Josh Watkins

Josh Watkins

Risk Management Consultant /

Carrier Relations

Image of Chad Hogan

Chad Hogan

Risk Management Consultant
More about Chad
Image of Sarah Daves

Sarah Daves

Commercial Account Manager

More about Sarah
Image of Miranda Bohannon

Miranda Bohannon

Personal Lines Insurance Manager

More about Miranda

Contact us.

 We’d love to hear from you. 
Call us anytime at 770-382-1972 or send a message and we’ll get back to you as soon as we can.

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