CSP Insurance Services was founded in 1939, when Clifford Cormell joined Earnest Streett to sell insurance in Florence. More than 80 years later, we still answer the phone ourselves. No call centers, no chatbots — just a local team that knows your name and your policy.
We compare several carriers to find a policy that fits you, not one company's products.
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80+ years local experience
Hospital bills, treatment, and prescriptions for a work-related injury or illness.
Medical expenses
Claims history
Commercial Property for Specialized Equipment
A standard property policy covers your building (if you own it), furniture, and general inventory. But hearing aid centers have specialized equipment that needs proper valuation: audiometers, tympanometers, real-ear measurement systems, and programming hardware can easily total $50,000 to $100,000 or more.
Make sure your property policy covers replacement cost rather than actual cash value. A five-year-old audiometer that cost $15,000 new might have a depreciated value of $5,000, but replacing it still costs $15,000. South Carolina coastal practices should also pay attention to wind and hail exclusions, which are common in standard policies near Myrtle Beach and other coastal areas. You may need a separate windstorm policy through the SC Wind and Hail Underwriting Association.
South Carolina drivers pay some of the highest auto insurance premiums in the Southeast, and there are real, specific reasons for that. Between hurricane season, a fault-based accident system, and an uninsured motorist rate that consistently ranks among the worst in the country, understanding your coverage here isn't optional: it's a financial necessity. Full coverage in the Palmetto State runs about $2,415 per year, roughly 12% above the national average. Whether you're commuting through Columbia, running errands in Florence, or making weekend trips to Myrtle Beach, the risks you face on South Carolina roads are different from those in most other states. This guide breaks down the coverage requirements, cost factors, and state-specific hazards that every SC resident should understand before signing a policy.
South Carolina Minimum Insurance Requirements
South Carolina law requires every registered vehicle to carry liability insurance. The state mandates minimum coverage of 25/50/25, which translates to $25,000 for bodily injury per person, $50,000 for bodily injury per accident, and $25,000 for property damage per accident. You also must carry uninsured motorist coverage at the same 25/50/25 limits, though you can reject this in writing.
Here's the thing most people miss: these minimums were set years ago, and they haven't kept pace with the actual cost of accidents. A single trip to the emergency room can blow past $25,000 before you leave the building, and modern vehicles routinely cost $30,000 or more to replace. If you cause an accident and your coverage maxes out, you're personally responsible for the difference.
Understanding Liability Limits and Uninsured Motorist Coverage
Liability insurance pays for the other driver's injuries and vehicle damage when you're at fault. Uninsured motorist (UM) coverage protects you when the at-fault driver has no insurance or not enough of it. South Carolina has one of the highest uninsured motorist rates in the nation, hovering around 10-12% of all drivers. That means roughly one in every ten cars you pass on I-26 might not have a valid policy.
UM coverage is your safety net. While you can legally reject it, doing so is a gamble that most insurance professionals would advise against. If an uninsured driver totals your car or sends you to the hospital, UM coverage steps in where their nonexistent policy can't.
Comparison of Mandatory vs. Recommended Coverage
| Coverage Type | SC Minimum | Recommended |
|---|---|---|
| Bodily Injury (per person) | $25,000 | $100,000+ |
| Bodily Injury (per accident) | $50,000 | $300,000+ |
| Property Damage | $25,000 | $50,000 - $100,000 |
| Uninsured Motorist | 25/50/25 (can reject) | Match your liability limits |
| Collision | Not required | Recommended if car < 10 years old |
| Comprehensive | Not required | Strongly recommended in coastal areas |
The gap between minimum and recommended coverage is where most South Carolina drivers are underinsured without realizing it. If you're financing or leasing a vehicle, your lender will require collision and comprehensive anyway, but even if you own your car outright, these coverages are worth serious consideration given the state's weather risks.
Your CSP agent
Lawson Walker, CIC
Insurance Sales
On this page
CSP Insurance Services is a fully licensed independent insurance agency serving individuals, families, and businesses across South Carolina.
From our home in Florence, we proudly serve clients in Florence, Myrtle Beach, Rock Hill, Columbia, and communities throughout South Carolina. As an independent Trusted Choice agency, our team works with a wide range of top-rated carriers to provide personal and commercial coverage — home, auto, business, life, and more — tailored to the real needs of the people and businesses we protect.
Boat and Watercraft Coverage for Weekend Adventures
Your homeowners policy might cover a small kayak or canoe, but anything with a motor typically needs its own policy. Boat insurance covers physical damage to the vessel, liability for injuries or property damage you cause on the water, and sometimes towing and salvage costs.
Lake-specific risks differ from coastal ones. A boat kept at Myrtle Beach faces saltwater corrosion, hurricane exposure, and higher theft rates than one stored at a private dock on Lake Wateree. Your policy should reflect where you keep and operate the boat. An independent agency like CSP Insurance Services can compare quotes across multiple marine carriers to find coverage that actually matches your boating habits rather than forcing you into a one-size-fits-all plan.
| Feature | Admitted (Standard) Carriers | Non-Admitted (E&S) Carriers |
|---|---|---|
| State regulation | Fully regulated; rates filed with state | Exempt from rate filing; flexible pricing |
| Guaranty fund protection | Yes: state fund covers claims if carrier fails | No: no guaranty fund backstop |
| Policy forms | Standardized (ISO forms common) | Manuscript or custom forms |
| Risk appetite | Prefers low-to-moderate risk | Accepts high-risk and unusual exposures |
| Premium cost | Generally lower | Typically 20-75% higher |
| Surplus lines tax | Not applicable | Buyer pays state surplus lines tax (varies 2-5%) |
| Speed of placement | Standard timelines | Can be faster or slower depending on complexity |
| Feature | Basic Liability Only | Full Coverage |
|---|---|---|
| Bodily injury liability | State minimum (25/50) | Higher limits (100/300+) |
| Property damage liability | $25,000 | $100,000+ |
| Collision (your vehicle) | Not included | Included |
| Comprehensive (theft, weather) | Not included | Included |
| Uninsured motorist | Optional | Typically included |
| Rental car reimbursement | Not included | Often included |
| Typical annual cost (SC) | $600-$900 | $1,400-$2,200 |
The price difference is real, but so is the coverage gap. If you're financing or leasing a vehicle, your lender will require full coverage anyway.
| Feature | HMO | PPO | HDHP with HSA |
|---|---|---|---|
| Network Flexibility | Must use in-network providers; referrals needed | In-network and out-of-network options | Broad network; works like PPO |
| Monthly Premiums | Lowest | Highest | Moderate |
| Out-of-Pocket Costs | Low copays | Moderate copays/coinsurance | High deductible before coverage kicks in |
| Best For | Employees who want low costs and don't mind restrictions | Employees who want provider choice | Younger, healthier employees; tax-savvy savers |
| HSA Eligible | No | No | Yes |
Factors Influencing Your Premium in the Palmetto State
Your premium isn't just a number pulled from thin air. Insurers weigh dozens of variables, and several of them hit South Carolina residents harder than drivers in neighboring states. Your driving record, credit history, age, and the vehicle you drive all matter. But two factors are uniquely pronounced here: geography and the state's fault-based insurance system.
How Local Geography and Coastal Risks Affect Rates
If you live in Myrtle Beach, Charleston, or anywhere along the Lowcountry coast, you're paying more than someone in Rock Hill or Greenville. Coastal ZIP codes carry higher comprehensive premiums because of hurricane exposure, flooding, and salt air corrosion. Insurers price this risk into every policy they write for those areas.
Even inland drivers aren't immune. South Carolina's interior regularly sees severe thunderstorms, hail, and flash flooding from spring through fall. The state's flood risk extends well beyond FEMA-designated zones, and standard auto policies don't always cover flood damage without comprehensive coverage. Where you park your car at night, whether you have a garage, and how close you live to a floodplain all influence what you pay.
The Impact of South Carolina's Fault-Based System
South Carolina operates under a fault-based (or "tort") system for auto accidents. The driver who caused the crash is financially responsible for damages. This means the at-fault driver's insurance pays out, and the injured party can also file a lawsuit for additional compensation if the policy limits aren't enough.
What this means for your premium: if you're found at fault in an accident, expect a significant rate increase at renewal. South Carolina uses a modified comparative negligence rule, so if you're found more than 50% at fault, you can't recover damages from the other driver at all. A clean driving record is your single best tool for keeping premiums manageable.
| Feature | Basic Coverage | Extended Coverage |
|---|---|---|
| Liability | State minimums (25/50/25 in SC) | $500K-$1M+ limits |
| Collision | Often excluded or high deductible | Included with lower deductible |
| Comprehensive | May be excluded | Included (theft, weather, vandalism) |
| HNOA | Not included | Typically included |
| Uninsured Motorist | State minimum only | Higher limits available |
| Roadside/Towing | Not included | Available as add-on |
| Rental Reimbursement | Not included | Available as add-on |
For a restaurant owner in Florence with one delivery vehicle, basic coverage might seem sufficient. But if that driver causes a serious injury, the state minimum liability won't come close to covering the medical bills and legal costs. Extended coverage costs more upfront but prevents the kind of catastrophic out-of-pocket expense that closes businesses.
More hearing aid centers are offering in-home fitting and testing services, especially for elderly or mobility-limited patients. If any employee drives a company vehicle, or even their personal car, for business purposes, your personal auto policy won't cover accidents that happen during work-related trips.
A commercial auto policy covers liability, collision, and comprehensive damage for vehicles used in your business operations. South Carolina's minimum auto liability limits are 25/50/25 ($25,000 per person, $50,000 per accident for bodily injury, $25,000 for property damage), but most businesses should carry significantly higher limits. A serious accident during a house call could easily exceed those minimums.
Commercial Auto for Mobile Services
Protecting Your Vehicle from State-Specific Hazards
South Carolina's climate creates insurance risks that most northern or western states simply don't deal with. The combination of hurricane season (June through November), heavy rainfall, and coastal wind exposure means your vehicle faces threats that go beyond fender benders and parking lot dings.
Flood and Hurricane Damage Coverage
Standard liability and collision policies do not cover flood damage. Period. If your car is submerged in a parking lot during a tropical storm, you need comprehensive coverage to file a claim. This catches people off guard every hurricane season, especially drivers who moved to SC from states where flooding isn't a major concern.
Comprehensive coverage handles flood, storm surge, falling trees, and wind-driven debris. For drivers in Florence, Myrtle Beach, and the Pee Dee region, where inland flooding from hurricanes is a documented pattern, carrying comprehensive coverage isn't a luxury. An independent agency like CSP Insurance Services can compare comprehensive rates across multiple carriers to find the right fit, which matters because pricing on comprehensive coverage varies wildly from one insurer to the next.
South Carolina's Zero-Deductible Windshield Law
South Carolina is one of a handful of states with a zero-deductible windshield replacement law. If you carry comprehensive coverage, your insurer must cover windshield repair or replacement without charging you a deductible. This is a genuine perk that many SC drivers don't know about.
Road debris, gravel trucks on I-95, and storm damage crack windshields constantly in this state. If you've been putting off a repair because you assumed you'd owe $250 or $500 out of pocket, check your policy. As long as you have comprehensive coverage, the glass work should be fully covered.
Boat and Watercraft Coverage for Weekend Adventures
Your homeowners policy might cover a small kayak or canoe, but anything with a motor typically needs its own policy. Boat insurance covers physical damage to the vessel, liability for injuries or property damage you cause on the water, and sometimes towing and salvage costs.
Lake-specific risks differ from coastal ones. A boat kept at Myrtle Beach faces saltwater corrosion, hurricane exposure, and higher theft rates than one stored at a private dock on Lake Wateree. Your policy should reflect where you keep and operate the boat. An independent agency like CSP Insurance Services can compare quotes across multiple marine carriers to find coverage that actually matches your boating habits rather than forcing you into a one-size-fits-all plan.
Boat and Watercraft Coverage for Weekend Adventures
Your homeowners policy might cover a small kayak or canoe, but anything with a motor typically needs its own policy. Boat insurance covers physical damage to the vessel, liability for injuries or property damage you cause on the water, and sometimes towing and salvage costs.
Lake-specific risks differ from coastal ones. A boat kept at Myrtle Beach faces saltwater corrosion, hurricane exposure, and higher theft rates than one stored at a private dock on Lake Wateree. Your policy should reflect where you keep and operate the boat. An independent agency like CSP Insurance Services can compare quotes across multiple marine carriers to find coverage that actually matches your boating habits rather than forcing you into a one-size-fits-all plan.
| Feature | Admitted (Standard) Carriers | Non-Admitted (E&S) Carriers |
|---|---|---|
| State regulation | Fully regulated; rates filed with state | Exempt from rate filing; flexible pricing |
| Guaranty fund protection | Yes: state fund covers claims if carrier fails | No: no guaranty fund backstop |
| Policy forms | Standardized (ISO forms common) | Manuscript or custom forms |
| Risk appetite | Prefers low-to-moderate risk | Accepts high-risk and unusual exposures |
| Premium cost | Generally lower | Typically 20-75% higher |
| Surplus lines tax | Not applicable | Buyer pays state surplus lines tax (varies 2-5%) |
| Speed of placement | Standard timelines | Can be faster or slower depending on complexity |
Ways to Save on South Carolina Auto Insurance
Premiums here are above average, but that doesn't mean you're stuck overpaying. Several strategies can meaningfully reduce your costs:
- Bundle your auto and homeowners policies with the same carrier: most insurers offer a 5-15% multi-policy discount.
- Ask about safe driver discounts if you've been accident-free for three or more years.
- Take a defensive driving course approved by the SC DMV. Completing one can knock a percentage off your premium.
- Raise your deductible from $250 to $500 or $1,000 if you have enough savings to cover the higher out-of-pocket cost after an accident.
- Shop around every 12-18 months. Rates shift constantly, and loyalty to one carrier rarely pays off financially.
Working with an independent agency gives you an advantage here because they can pull quotes from multiple carriers simultaneously. CSP Insurance Services, for example, has been helping South Carolina families compare options since 1939, and that kind of market access often turns up savings that a single-carrier agent simply can't offer.
Specialty Lines: Flood, Earthquake, and Valuable Items
Flood insurance is a separate policy, typically written through FEMA's National Flood Insurance Program or a private carrier. If your home sits in a designated flood zone anywhere along the SC coast or near inland rivers, your mortgage lender will require it. But even homes outside mapped flood zones can flood: roughly 25% of flood claims come from properties in low-to-moderate risk areas.
Earthquake coverage is less common in South Carolina, but the state sits near the Charleston fault zone, which produced a magnitude 7.3 quake in 1886. A rider or standalone earthquake policy is worth considering if you're in the Lowcountry.
Scheduled personal property endorsements cover high-value items like jewelry, art, firearms, or musical instruments that exceed standard policy sub-limits. Most homeowners policies cap jewelry coverage at $1,500-$2,500 per item. If your engagement ring is worth $8,000, you need a scheduled endorsement or inland marine floater to cover the difference.
ERISA Requirements for Life Insurance Plans
If you offer employer-paid group life insurance, your plan almost certainly falls under the Employee Retirement Income Security Act. ERISA requires you to provide employees with a Summary Plan Description that explains benefits, eligibility, and claims procedures in plain language. You also need to file Form 5500 annually with the Department of Labor if your plan covers 100 or more participants. The ERISA compliance checklist for employers includes maintaining a written plan document, designating a plan fiduciary, and following proper claims and appeals procedures. Skipping any of these steps creates real liability.
South Carolina doesn't have its own mini-ERISA statute, so federal rules govern most employer-sponsored plans. But the SC Department of Insurance does regulate the carriers themselves, so make sure your insurer is licensed to operate in the state. Employers who fail to meet ERISA's fiduciary standards can face personal liability, not just corporate penalties.
Common Questions About SC Auto Insurance
How much does insurance go up after a speeding ticket in SC?
A single speeding ticket in South Carolina typically raises your premium by 15-25%, depending on how fast you were going and your prior record. Points stay on your driving record for two years, and the insurance impact can linger even longer.
Do I need extra coverage if I drive to the coast often?
If you're regularly driving to Myrtle Beach, Hilton Head, or Charleston, comprehensive coverage is worth carrying year-round. Coastal areas have higher theft rates, storm exposure, and salt-related damage risks that your liability-only policy won't touch.
What happens if I get hit by a driver who has no insurance?
Your uninsured motorist coverage kicks in to pay for your injuries and vehicle damage. If you rejected UM coverage when you signed your policy, you'll likely need to pursue the at-fault driver directly through a lawsuit, which is expensive and often fruitless if they have no assets.
Is glass repair really free in South Carolina?
Yes, if you carry comprehensive coverage. South Carolina law requires insurers to waive the deductible for windshield repair and replacement. You still need comprehensive on your policy for this benefit to apply.
How does the SC Point System affect my car insurance?
The SC DMV assigns points for traffic violations: two points for speeding, six points for reckless driving, and so on. Accumulating 12 or more points within two years triggers a license suspension. Insurers monitor your point total and adjust your rates accordingly, with each violation pushing your premium higher.
Boat and Watercraft Coverage for Weekend Adventures
Your homeowners policy might cover a small kayak or canoe, but anything with a motor typically needs its own policy. Boat insurance covers physical damage to the vessel, liability for injuries or property damage you cause on the water, and sometimes towing and salvage costs.
Lake-specific risks differ from coastal ones. A boat kept at Myrtle Beach faces saltwater corrosion, hurricane exposure, and higher theft rates than one stored at a private dock on Lake Wateree. Your policy should reflect where you keep and operate the boat. An independent agency like CSP Insurance Services can compare quotes across multiple marine carriers to find coverage that actually matches your boating habits rather than forcing you into a one-size-fits-all plan.
Boat and Watercraft Coverage for Weekend Adventures
Your homeowners policy might cover a small kayak or canoe, but anything with a motor typically needs its own policy. Boat insurance covers physical damage to the vessel, liability for injuries or property damage you cause on the water, and sometimes towing and salvage costs.
Lake-specific risks differ from coastal ones. A boat kept at Myrtle Beach faces saltwater corrosion, hurricane exposure, and higher theft rates than one stored at a private dock on Lake Wateree. Your policy should reflect where you keep and operate the boat. An independent agency like CSP Insurance Services can compare quotes across multiple marine carriers to find coverage that actually matches your boating habits rather than forcing you into a one-size-fits-all plan.
| Feature | Admitted (Standard) Carriers | Non-Admitted (E&S) Carriers |
|---|---|---|
| State regulation | Fully regulated; rates filed with state | Exempt from rate filing; flexible pricing |
| Guaranty fund protection | Yes: state fund covers claims if carrier fails | No: no guaranty fund backstop |
| Policy forms | Standardized (ISO forms common) | Manuscript or custom forms |
| Risk appetite | Prefers low-to-moderate risk | Accepts high-risk and unusual exposures |
| Premium cost | Generally lower | Typically 20-75% higher |
| Surplus lines tax | Not applicable | Buyer pays state surplus lines tax (varies 2-5%) |
| Speed of placement | Standard timelines | Can be faster or slower depending on complexity |
Does this cover me if a hacker steals my data?
Not exactly. Crime insurance covers financial theft, like funds transferred fraudulently. Data breaches and the costs associated with them (notification, credit monitoring, regulatory fines) fall under cyber liability insurance. Some overlap exists with computer fraud coverage, but a standalone cyber policy is the right tool for data-related incidents. The FBI found that 85% of cybercrime losses in 2025 traced back to human error, which underscores why both crime and cyber policies matter.
Making the Right Choice for Your Policy
South Carolina's combination of high uninsured motorist rates, coastal weather threats, and a fault-based legal system makes auto insurance here more complex than in many other states. The minimum requirements will keep you legal, but they won't keep you financially whole after a serious accident or a hurricane.
The smartest move is to carry coverage that actually matches your risk profile: not just the state minimum, not the most expensive option, but the policy that protects your specific situation. If you live near the coast, comprehensive coverage is essential. If you have assets worth protecting, higher liability limits are a no-brainer.
If you're unsure whether your current policy has gaps, or if you haven't compared rates recently, it's worth a conversation with someone who can look at the full picture. CSP Insurance Services works with multiple carriers and can tailor a policy to your needs without locking you into a single company's limitations. Request a quote to see where you stand and whether better coverage at a better price is available to you.
About the author
Lawson Walker, CIC
I'm proud to be part of an agency that's served Florence since 1939. CSP Insurance Services started as Cormell-Streett & Patterson, built by people who believed insurance should be personal — and more than eight decades later, that conviction still drives everything we do. Commitment, Service, Protection isn't just what CSP stands for; it's how I approach every client relationship.
As an independent, Trusted Choice agency, we aren't tied to any single carrier. That means I work for you — shopping multiple companies to match you with coverage that actually fits your family, your business, and your budget. No call centers, no chatbots. Just a local expert who takes the time to understand what matters to you and stands by you when it counts.
Whether you're protecting your home, your car, or a business you've spent years building, I'd be glad to help you find the right coverage.
We compare several carriers to find a policy that fits you, not one company's products.
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80+ years local experience
1939
Serving SC
Most Requested
Core business coverage.
The policies most South Carolina businesses start with.
Commercial Property
Protect the building, equipment, and inventory your business runs on, so a covered fire, theft, or storm doesn’t become a closed door.
Workers Compensation
Required for most South Carolina employers with staff. It covers medical bills and lost wages when an employee is hurt on the job.
Commercial Auto
Cars, trucks, and fleets used for work need more than a personal policy. This handles liability, damage, and your drivers.
General Liability
Accidents happen on the job and on your property. General liability covers third-party injury and property damage claims against your business.
Inland Marine
Tools, equipment, and goods on the move aren’t covered by standard property policies. Inland marine protects them wherever they travel.
Business Owners (BOP)
A business owners policy bundles property and liability coverage into one package, often at a better price for small businesses.
We compare several carriers to find a policy that fits you, not one company's products.
◆
80+ years local experience
1939
Serving SC
Insurance Sales
J. Roger Jordan, CIC
[CONFIRM bio]
Personal Insurance
Coverage for your home, vehicles, and family.
Protect what matters most with personal policies shopped across our carriers.
Home
Your house is likely your largest investment. Home insurance helps rebuild after covered damage and protects you from liability.
Auto
South Carolina drivers need real protection. Auto coverage handles liability, collision, medical costs, and uninsured drivers.
Umbrella
When a serious claim climbs past your home or auto limits, umbrella coverage adds an extra layer of liability protection.
Boat
Time on the water should be worry-free. Boat coverage protects your vessel, your passengers, and your liability on the lake or coast.
Motorcycle
Riders need coverage built for the road. Motorcycle insurance protects your bike, your gear, and you after an accident.
Condo
Your association covers the building, but not what’s inside. Condo insurance protects your belongings, improvements, and liability.
We compare several carriers to find a policy that fits you, not one company's products.
◆
80+ years local experience
1939
Serving SC
Insurance Sales
J. Roger Jordan, CIC
[CONFIRM bio]
Boat
Your association covers the building, but not what’s inside. Condo insurance protects your belongings, improvements, and liability.
Time on the water should be worry-free. Boat coverage protects your vessel, your passengers, and your liability on the lake or coast.
Condo
Motorcycle
Riders need coverage built for the road. Motorcycle insurance protects your bike, your gear, and you after an accident.
Industries We Serve
Specialized coverage for your industry.
Every industry carries its own risk. We help South Carolina businesses protect what they've built.
Restaurants
Kitchens, customers, and staff create daily exposure. We protect your property, equipment, liquor liability, and employees.
Manufacturers
From equipment breakdown to product liability, manufacturers face risk on the floor and beyond. We help cover property, machinery, and goods.
Healthcare Providers
Practices and clinics carry patient, property, and professional risk. We help cover liability, equipment, and the people who run your practice.
We compare several carriers to find a policy that fits you, not one company's products.
◆
80+ years local experience
1939
Serving SC
Commercial Property
Protect the building, equipment, and inventory your business runs on, so a covered fire, theft, or storm doesn’t become a closed door.
Commercial Auto
Cars, trucks, and fleets used for work need more than a personal policy. This handles liability, damage, and your drivers.
How It Works
Getting covered is simple.
Four steps, one real person from start to finish.
We compare carriers
We shop options across our carriers to find strong protection at a fair price.
We compare several carriers to find a policy that fits you, not one company's products.
Multi-carrier choice
Claims advocacy
When a claim happens, we stand in your corner and help move it forward with your carrier.
Local SC roots
We live and work in Florence and understand the risks your community faces because we face them too.
Client Reviews
Why clients choose CSP.
Independent advice, real people, and decades of local roots.
We compare several carriers to find a policy that fits you, not one company's products.
◆
80+ years local experience
1939
Serving SC
Insurance Sales
J. Roger Jordan, CIC
[CONFIRM bio]
Boat
Your association covers the building, but not what’s inside. Condo insurance protects your belongings, improvements, and liability.
Time on the water should be worry-free. Boat coverage protects your vessel, your passengers, and your liability on the lake or coast.
Condo
Motorcycle
Riders need coverage built for the road. Motorcycle insurance protects your bike, your gear, and you after an accident.
FAQs
Questions, answered.
Straight answers about working with an independent agency.
What does an independent insurance agency do?
An independent agency represents several carriers instead of one. We compare coverage and pricing across companies, then recommend the policy that fits you best.
Do you cover both personal and business insurance?
Yes. CSP writes personal lines like home and auto, and commercial lines for businesses across South Carolina.
How long has CSP been in business?
CSP traces its roots to 1939, with more than 80 years serving South Carolina families and businesses.
Will I work with a real person?
Always. No call centers and no chatbots — you work with a local team member who knows your account.
Which areas do you serve?
We’re based in Florence and serve clients statewide, including Myrtle Beach, Rock Hill, and Columbia.
How do I get a quote?
Request a quote online, call us, or stop by the office. A real person will review your needs and follow up.
How It Works
Insurance tips & updates.
Plain-language guidance to help you make confident decisions.
We compare several carriers to find a policy that fits you, not one company's products.
◆
80+ years local experience
1939
Serving SC
Insurance Sales
J. Roger Jordan, CIC
[CONFIRM bio]
Boat
Your association covers the building, but not what’s inside. Condo insurance protects your belongings, improvements, and liability.
Time on the water should be worry-free. Boat coverage protects your vessel, your passengers, and your liability on the lake or coast.
Condo
Motorcycle
Riders need coverage built for the road. Motorcycle insurance protects your bike, your gear, and you after an accident.
Get a Quote
Let's find your coverage.
Tell us a little about what you need to protect. A real person from our Florence team will review it and follow up.
2420 Hoffmeyer Road, Suite D
Florence, SC 29501
Mon–Fri 8:30am – 5:00pm