In South Carolina in 2025, Big Insurance Corporations have launched an unprecedented effort to make it harder for individual consumers to recover from their insurance companies when bad things happen to them. Conservatives need to stand up and call their legislators to make their voices heard.
In South Carolina in 2025, Big Insurance Corporations have launched an unprecedented effort to make it harder for individual consumers to recover from their insurance companies when bad things happen to them. Conservatives need to stand up and call their legislators to make their voices heard.
Reform Insurance Now SC is a grassroots organization of regular folks and small business owners in South Carolina who are dedicated to protecting South Carolinians from predatory insurance practices and fighting against Big Insurance’s attempts to rig the system in their favor. We stand for fairness, accountability, and consumer protection against corporate overreach.
So did we — but this legislation pending in the Statehouse in 2025 is far from the honest, conservative ideal of “reform.” Instead, Woke Big Insurance is trying to dupe us by calling this huge, omnibus spending and regulatory increase bill a “reform” bill.
What’s actually happening is that this legislation would give Big Insurance a HUGE “BAILOUT” (in President Trump’s words) while also simultaneously making it harder for South Carolinians to get what they need from their insurance carriers when bad things happen to them and they have to make a claim. We’ve all seen what happened in Western North Carolina after Hurricane Helene, when insurers were denying legitimate claims by their insured customers left and right — this legislation would embolden Big Insurance to act that way with their insured customers in South Carolina, too, by eroding the consumer protections currently enshrined in South Carolina law and carefully guarded over 200+ years of conservative jurisprudence.
When you give more power to a Big Insurance company, it never helps the actual People. South Carolinians will not be fooled — we demand a stop to S.244 and H.3849, the 2025 “Big Insurance Bailout Bill” that President Trump warned us against!
Big Insurance — i.e. the woke corporate Insurance industry, their millionaire CEO’s, and the Corporate Lobbyists who they employ. Don’t take our word for it — look at what Evan Greenberg, the Chairman and CEO of Chubb, one of the biggest insurance companies in the world, said in 2024 at a special meeting in California of the Risk Management Society, which is a consortium of Big Insurance corporate elites from all over the globe:
“Corporations should prepare to fund, with support from insurers, a long-term ‘tort reform’ campaign…It’s going to take money. It’s going to take talent. It’s going to have to be approached like a long-term political campaign.”
So, it’s no secret who is funding these efforts — it’s Big Insurance and the corporate elites from all over the globe who support their efforts and continue to put Profits Over People.
Oh, and did we mention? According to S&P Global in their August 22, 2024 report, Evan Greenberg — the same insurance CEO quoted above — made $27,700,000 as his salary from Chubb that year. That’s almost $28 million dollars in annual compensation in just one year, but apparently that’s still not enough, which is why Big Insurance is seeking this power-grab of handouts through the 2025 Big Insurance Bailout Bill here in South Carolina.
You tell us who South Carolina’s legislators are looking out for when they consider legislation that would enrich Big Insurance corporations and their CEO’s at the expense of regular folks in South Carolina. It’s unconscionable. South Carolinians’ insurance premiums should stay in South Carolina to benefit South Carolinians. Our premiums shouldn’t go to enriching huge corporations headquartered thousands of miles away from our state. (See the list below to see where these insurance companies are headquartered:)
Allstate – headquartered in Chicago
Liberty Mutual – headquartered in Boston
Farmers – headquartered in Los Angeles, California
GEICO – headquartered outside Washington, DC
Nationwide – headquartered in Columbus, OH
Progressive – headquartered in Cleveland, OH
State Farm – headquartered in Bloomington, IL
In 2026, we must continue to push back with our legislators against a growing package of insurance and civil justice bills moving through the South Carolina General Assembly, including S.244 and H.3849, as well as some components of newly introduced House bills such as H.4817, H.4670, H.4819, H.4733, and H.4667. Taken together, these proposals have the potential of systematically dismantling long-standing protections in South Carolina law that, for decades, have helped families recover after drunk-driving crashes, natural disasters, and other devastating accidents when insurance companies fail to act in good faith.
While these bills are being promoted as so-called “tort reform,” they overwhelmingly shift power away from consumers and toward Big Insurance by limiting accountability, restricting access to the courts, and weakening enforcement tools that protect policyholders when insurers delay, deny, or underpay valid claims.
And critically, what none of these bills actually do is require insurance companies to pass any supposed “savings” on to South Carolina consumers. There is no enforceable mechanism in any of these proposals that mandates rate reductions, premium relief, refunds for policyholders or accountability for Big Insurancde. As a result, these bills will not make insurance more affordable. Instead, they empower Big Insurance, erode consumer protections, and make it even harder for South Carolinians to recover financially when the unimaginable happens.
Fill out the contact form here, and let us know what questions you have — we are happy to help educate you on the issues, and to keep you informed when things are happening at the Statehouse.