Stephen Frank is the founder and principal of Magnolia Risk Solutions, a commercial insurance and risk management firm serving businesses, HOAs, and property investors across the Southeast. With years of experience guiding organizations through complex insurance and risk challenges, Stephen has built a reputation for delivering clarity, transparency, and tailored solutions in an industry often clouded by fine print.

Drawing on his background as both an entrepreneur and a legislator in the South Carolina House of Representatives, Stephen brings a unique perspective to protecting organizations. He understands firsthand the pressures that business leaders face—from rising costs and regulatory red tape to the need to safeguard employees, property, and assets. That’s why Magnolia Risk Solutions was built around a simple mission: helping clients control their Total Cost of Risk so they can focus on growth and peace of mind.

Stephen is especially passionate about working with middle-market businesses and community associations. Whether guiding a manufacturing company through coverage reviews, helping a property investor manage portfolio risks, or structuring specialized programs for HOAs, his approach always begins with listening, understanding, and building a customized risk strategy.

When he’s not serving clients, Stephen is actively engaged in public service, advocating for fiscal responsibility, limited government, and policies that strengthen local communities. He lives in Greenville, South Carolina with his family.