Florence, SC Business Insurance

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

Feature Short-Term Disability Long-Term Disability
Waiting Period 7-14 days 90-180 days
Benefit Duration Up to 26 weeks 2 years to age 65+
Income Replacement 60%-70% 50%-60%
Common Claims Surgery recovery, pregnancy, fractures Cancer, heart disease, chronic conditions
Typical Cost $0.10-$0.50 per $100 of payroll $0.20-$0.60 per $100 of payroll
Best For Bridging short absences Protecting against career-ending events
General Liability Professional Liability
What it covers Bodily injury, property damage, personal injury on premises Errors in care, negligent supervision, failure to follow care plans
Example claim Visitor slips on wet floor Staff administers wrong medication dosage
Typical limits $1M per occurrence / $2M aggregate $1M per occurrence / $3M aggregate
Average cost ~$91/month for social service providers $100-$200/month depending on services
Who files claims Visitors, vendors, third parties Residents, families, guardians

General liability insurance for social service organizations currently averages about $91 per month for a $1M/$2M policy. Professional liability typically runs higher because the claims tend to be more complex and costly. Skipping either one is a mistake I've seen operators make, usually because they assume one policy covers everything.

Running a business in Florence, SC, means dealing with risks that are specific to this part of the Pee Dee region: summer storms that can shred a warehouse roof, delivery routes along I-95 and I-20 with heavy truck traffic, and an economy built on industries ranging from healthcare to manufacturing to hospitality. If you're a business owner here, the insurance decisions you make now will determine whether a single bad event becomes a minor setback or a company-ending catastrophe. This guide covers the essential types of business insurance Florence companies need, including general liability, commercial property, workers' compensation, and commercial auto, along with the South Carolina-specific rules that affect what you're required to carry and what you'd be smart to add. Whether you run a two-person landscaping crew or a mid-size manufacturing operation near the Florence Regional Airport, getting coverage right isn't just about checking a legal box. It's about building a foundation that lets you actually focus on growing.

Understanding the Business Insurance Landscape in Florence

Florence sits at a crossroads, both literally and economically. The intersection of I-95 and I-20 makes it a logistics hub, while its role as the commercial center of the Pee Dee region supports a diverse mix of restaurants, medical practices, retail shops, and industrial operations. Each of these business types faces a distinct set of risks, and a one-size-fits-all policy rarely covers them well.


The regional economy has been growing steadily, with new distribution centers and healthcare expansions bringing more workers and more liability exposure. That growth is good news, but it also means more vehicles on the road, more employees to protect, and more property to insure. Understanding what coverage actually applies to your situation is the first step toward spending your insurance dollars wisely.

Why Local Florence Businesses Need Specific Protection

A restaurant on Irby Street faces completely different exposures than a trucking company operating out of an industrial park off US-52. The restaurant worries about slip-and-fall claims and food contamination liability. The trucking company needs to think about cargo damage, driver injuries, and fleet coverage. Generic national advice doesn't account for these differences, and it definitely doesn't account for South Carolina's regulatory environment.


Florence also sits in a region prone to severe thunderstorms and occasional tropical weather. Commercial property damage from wind and hail is a real and recurring concern here, not a hypothetical. Property insurance trends in 2026 reflect this reality: premiums for weather-exposed commercial properties have continued climbing across the Southeast, and Florence is no exception.

South Carolina State Requirements for Small Businesses

South Carolina requires most employers with four or more employees to carry workers' compensation insurance. That threshold is lower than many states, which means even small operations can't skip it. The state also mandates minimum auto liability limits of 25/50/25 for any vehicle used in business operations: $25,000 per person for bodily injury, $50,000 per accident, and $25,000 for property damage.


General liability insurance isn't technically required by state law for most businesses, but many landlords, clients, and licensing boards require proof of GL coverage before they'll work with you. If you're bidding on contracts with the City of Florence or Florence County, expect to show a certificate of insurance. The practical reality is that GL is effectively mandatory for any business that wants to operate professionally.

Your CSP agent

Lawson Walker, CIC

Insurance Sales

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.

Fine Arts and High-Value Specialized Goods

Galleries, auction houses, and even corporate offices with art collections need specialized coverage. Standard property policies cap fine art at absurdly low limits, sometimes $2,500 per item. A fine arts floater provides agreed-value coverage, meaning you and the insurer agree on the item's worth upfront. If it's damaged or stolen, that's what you get paid.

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

Computer Equipment and Data Storage

Businesses increasingly rely on portable tech: laptops, tablets, external drives, and mobile servers. A computer equipment floater covers these items when employees take them off-site, whether that's a sales rep carrying a laptop to a client meeting in Columbia or a nonprofit transporting presentation equipment to a fundraiser. Some policies even cover the cost of data restoration, which can be more expensive than the hardware itself.

Core Coverage Types for Pee Dee Region Companies

Four types of coverage form the backbone of most Florence business insurance programs: general liability, commercial property, workers' comp, and commercial auto. Some businesses need all four. Others might not need commercial auto if they don't use vehicles for work. But skipping any of the ones you do need creates gaps that can be financially devastating.

General Liability and Commercial Property Insurance

General liability protects your business when someone else gets hurt or their property gets damaged because of your operations. A customer trips over a cord in your shop, a subcontractor damages a client's home, a product you sold causes an injury: GL covers these scenarios. For South Carolina contractors, GL premiums typically range from $500 to $3,000 annually depending on your trade and revenue, though high-risk operations pay more.


Commercial property insurance covers your building (if you own it), equipment, inventory, and sometimes lost income if a covered event forces you to close temporarily. This is where Florence-specific risks really matter. Standard policies often exclude flood damage, and if your business is anywhere near the Great Pee Dee River or in a low-lying area, you'll want to add flood coverage separately through the NFIP or a private carrier. The spring 2026 commercial property market has shown some stabilization in pricing after several years of steep increases, which is welcome news for business owners who've been watching their premiums climb.


An independent agency like CSP Insurance Services can be especially useful here because they compare property policies from multiple carriers. One insurer might offer better wind/hail deductibles while another has stronger business interruption coverage, and an independent agent can show you both options side by side.

Workers' Compensation: Rules for Florence Employers

If you have four or more employees in South Carolina, workers' comp isn't optional. The coverage pays for medical treatment and lost wages when an employee gets hurt on the job, and it protects you from lawsuits related to workplace injuries. The maximum weekly compensation rate in South Carolina increased to $1,189.94 as of January 1, 2026, which affects how much claims cost and, by extension, how premiums are calculated.


Your workers' comp rate depends heavily on your industry classification. An office-based accounting firm pays a fraction of what a roofing contractor pays per $100 of payroll. South Carolina uses the NCCI classification system, and the state's advisory forum provides detailed rate information that influences what carriers charge.


One common mistake I see Florence business owners make: classifying employees incorrectly to save on premiums. This can trigger an audit, back-charges, and penalties that cost far more than the savings. Get the classifications right from the start.

Commercial Auto Insurance for Local Delivery and Service Fleets

Any vehicle used for business purposes needs commercial auto coverage, not a personal auto policy. This applies to delivery vans, service trucks, company cars, and even personal vehicles used regularly for work errands. Florence's position along major interstate corridors means your drivers share the road with heavy commercial traffic, which increases accident frequency and severity.


Commercial auto has been one of the most challenging insurance lines in recent years. Rising claim costs driven by higher vehicle repair expenses and larger jury verdicts have pushed premiums up significantly. Businesses with fleets can manage these costs through total cost of risk strategies that include driver safety programs, telematics, and careful fleet management.


If you're running a plumbing company with three service vans or a catering business with delivery vehicles, make sure your policy includes hired and non-owned auto coverage. This protects you when employees use their personal cars for work tasks, which happens more often than most owners realize.

Factors That Influence Your Premium Costs

Several variables drive what you'll pay:


  • Specialty: Neurosurgeons pay far more than internists
  • Claims history: Prior claims increase your rates, sometimes dramatically
  • Location: Urban areas with higher jury awards tend to cost more
  • Policy type: Occurrence policies cost more than claims-made
  • Coverage limits: Higher limits mean higher premiums
  • Years in practice: New physicians sometimes pay less initially on claims-made policies (the "step" or "mature" rate system)


The trend line isn't encouraging. Malpractice claims data for 2026 shows continued growth in both claim frequency and severity, meaning premiums are likely to keep rising. Shopping your coverage through an independent agency that compares multiple carriers can save you thousands annually without sacrificing protection.

For most commercial projects, extended coverage with appropriate endorsements is the smarter choice. The premium difference is often modest compared to the potential gap in coverage.

Comparing Essential Business Insurance Policies

Not every business needs the same mix of coverage, and two policies that sound similar can protect against very different things. One of the most common points of confusion is the difference between general liability and professional liability.

Table: General Liability vs. Professional Liability Coverage

Feature General Liability (GL) Professional Liability (E&O)
What it covers Bodily injury, property damage, advertising injury to third parties Errors, omissions, or negligence in professional services
Who needs it Nearly every business Service-based businesses: consultants, accountants, IT firms, healthcare providers
Common claim example Customer slips on wet floor in your store Accountant makes a tax filing error that costs a client money
Typical annual cost (SC) $500 - $3,000+ $800 - $5,000+ depending on profession
Required by law? Not by SC state law, but often required by contracts Required for some licensed professions
Covers physical injury? Yes Generally no
Covers financial loss to clients? Generally no Yes

The key takeaway: GL and professional liability don't overlap much. If your business provides any kind of advice, design, or professional service, you likely need both. A marketing agency in Florence, for example, could face a GL claim if a client trips in their office and a professional liability claim if a campaign error causes financial harm.

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

This is a policy feature that doesn't get enough attention. A consent-to-settle clause gives you the right to approve or reject any settlement offer your insurer wants to make. Without it, your carrier can settle a claim you believe is meritless, and that settlement goes on your record.


Some policies include a "hammer clause" instead: if you refuse a settlement the insurer recommends and the case goes to trial with a worse outcome, you're responsible for the difference. Understanding this clause before you buy a policy is critical. At CSP Insurance Services, their team walks clients through these policy details line by line, which matters because the fine print in malpractice policies can have career-altering consequences.

The Role of Consent-to-Settle Clauses

Errors and Omissions (E&O) for Design Flaws

If your shop does any design work, engineering consultation, or CAD/CAM programming for clients, E&O insurance is essential. This covers claims where your professional judgment or technical expertise leads to a client's financial loss.


A common scenario: your shop designs a custom fixture based on a client's rough specifications, the fixture fails during production, and the client claims your design was flawed. Without E&O coverage, you're defending that claim and paying any settlement from your own funds. Product recall insurance trends in 2026 show that insurers are paying closer attention to design-related exposures, which means getting E&O in place now is smarter than waiting until underwriting tightens further.

Factors That Influence Insurance Costs in Florence

Your premiums aren't random numbers. They're calculated based on specific risk factors, and understanding them gives you real power to manage costs.

Industry Risk Profiles and Location-Based Hazards

A manufacturing plant on the south side of Florence will pay more for property insurance than a law office downtown, simply because the risk of fire, equipment failure, and employee injury is higher. Industry classification is the single biggest factor in pricing for most coverage types.


Location matters too. Florence's geography puts it in a moderate risk zone for tropical storms and severe thunderstorms. If your business is in a flood-prone area near Jeffries Creek or the Pee Dee River, expect to pay more for property coverage, and make sure you're not assuming your standard policy covers flooding (it almost certainly doesn't). Wind and hail deductibles are another area where Florence businesses need to pay close attention to policy language.

How to Lower Your Premiums Without Sacrificing Coverage

The most effective way to lower costs is to reduce your actual risk, not just shop for the cheapest quote. Here are strategies that genuinely work:


  • Bundle policies into a Business Owner's Policy (BOP), which combines GL and property coverage at a discount
  • Implement documented safety programs and maintain clean loss histories
  • Use higher deductibles where you can absorb the out-of-pocket cost
  • Install security systems, fire suppression, and weather-resistant building features
  • Review employee classifications annually to ensure accuracy on workers' comp


Work with an independent agent who can compare rates across multiple carriers rather than being locked into one company's pricing

CSP Insurance Services has been helping South Carolina businesses with exactly this kind of comparison shopping since 1939. Having an agent who can pull quotes from multiple carriers and identify coverage gaps is worth more than most business owners expect.

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.

FAQ: What counts as a disability? Does it cover mental health? Are benefits taxable?

What qualifies as a disability under most group plans? Most policies define disability as the inability to perform the essential duties of your own occupation (for the first 1-2 years) and later shift to an "any occupation" standard. The exact definition varies by carrier and policy, so reading the contract language matters.


Does disability insurance cover mental health conditions? Yes, most modern group disability policies cover mental health conditions like depression, anxiety, and PTSD. However, many policies limit mental health claims to 24 months of benefits, even if the overall policy pays to age 65. Ask about this limitation before you buy.


Are disability benefits taxable? It depends on who pays the premium. If the employer pays, benefits are taxable to the employee. If the employee pays with after-tax dollars, benefits are received tax-free.


Can employees receive both workers' comp and disability benefits? Generally, no. Most disability policies include an offset provision that reduces benefits by the amount of workers' compensation received. The two programs are designed to complement each other, not stack.


Is there a waiting period before new employees can enroll? Most group plans allow employers to set an eligibility waiting period, commonly 30, 60, or 90 days. South Carolina doesn't regulate this waiting period for disability coverage, so it's up to the employer.


What happens if an employee is partially disabled? Many LTD policies include a partial or residual disability benefit that pays a reduced amount if the employee can work part-time but not full-time. This feature encourages return-to-work efforts while still providing financial support.

Factors That Influence Your Monthly Premiums

Several factors drive your builders risk premium. Project type matters: a wood-frame apartment complex costs more to insure than a concrete tilt-up warehouse. Location is significant, especially in South Carolina where coastal proximity affects wind/hail rates dramatically. A project in Florence will price very differently from one on the Grand Strand.


Other factors include project duration, the contractor's loss history, protective safeguards on-site (fencing, security cameras, fire extinguishers), and the deductible you choose. Premiums typically run between 1% and 4% of the total project value, though market conditions in early 2026 have pushed rates toward the lower end for well-managed projects.

Usually, yes. A single claim can increase your premiums by 10% to 30% or more, depending on the severity and outcome. Some carriers offer claims-free discounts that you'd lose. That said, a claim that's dismissed or results in no payout has less impact than one with a large settlement. Shopping your renewal through an independent agent can help offset rate increases by comparing offers from competing carriers.

FAQ: Will my rates go up if I have one claim?

Apartment complex insurance isn't a single policy: it's a coordinated set of coverages that work together to protect your buildings, your income, your employees, and your financial future. The right package includes general liability, commercial property, workers comp, commercial auto, and specialized add-ons like loss of rental income and equipment breakdown. Skipping any one of these creates a gap that a single bad claim can exploit.


The most effective approach is working with an independent agency that can compare options across multiple carriers. CSP Insurance Services has been helping South Carolina property owners build customized coverage programs since 1939, with direct access to real people who understand multifamily risk. If you're unsure whether your current coverage matches your actual exposure, or if you're purchasing a new complex and need to build a policy from scratch, request a quote to get a personalized analysis of your insurance needs. A 20-minute conversation now can save you six figures when a claim hits.

Does general liability cover fuel spills?

Usually not. Most GL policies contain pollution exclusions that specifically exclude fuel spills and environmental contamination. You need a separate pollution liability policy to cover cleanup costs, third-party damages, and regulatory fines from fuel releases.

Common Questions About Florence Business Insurance

FAQ: What do I actually need to get started?

Do I need business insurance if I'm a sole proprietor with no employees? You're not required to carry workers' comp, but general liability is still strongly recommended. One lawsuit from a client injury could wipe out your personal assets if you're uninsured.


How much does a basic business insurance package cost in Florence? A BOP for a low-risk small business typically starts around $500 to $1,500 per year. Higher-risk industries like construction or manufacturing will pay significantly more.


Can I use my personal auto insurance for business driving? No. Most personal auto policies exclude business use. If you're in an accident while working and only have personal coverage, your claim will likely be denied.


What's the difference between "claims-made" and "occurrence" policies? An occurrence policy covers incidents that happen during the policy period, regardless of when the claim is filed. A claims-made policy only covers claims filed while the policy is active. This distinction matters most for professional liability.


Do I need flood insurance in Florence? Standard commercial property policies exclude flood damage. If you're in or near a flood zone, and many Florence businesses are, a separate flood policy is essential.


How often should I review my business insurance? At least annually, and any time you add employees, buy equipment, expand locations, or take on new types of work. Coverage that fit your business two years ago may leave gaps today.

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

This is a policy feature that doesn't get enough attention. A consent-to-settle clause gives you the right to approve or reject any settlement offer your insurer wants to make. Without it, your carrier can settle a claim you believe is meritless, and that settlement goes on your record.


Some policies include a "hammer clause" instead: if you refuse a settlement the insurer recommends and the case goes to trial with a worse outcome, you're responsible for the difference. Understanding this clause before you buy a policy is critical. At CSP Insurance Services, their team walks clients through these policy details line by line, which matters because the fine print in malpractice policies can have career-altering consequences.

The Role of Consent-to-Settle Clauses

Making the Right Choice for Your Company's Future

Getting business insurance right in Florence isn't about buying the most expensive policy or checking the minimum legal boxes. It's about matching your specific risks to the right coverage, understanding what South Carolina requires, and working with someone who can actually explain the differences between what you're buying.


The businesses that handle insurance well share a common trait: they treat it as a strategic decision, not an annoying expense. They review their coverage annually, they ask questions about exclusions, and they work with agents who know the local market.


If you're starting fresh or suspect your current coverage has gaps, talking to an independent agent is the fastest way to get clarity. CSP Insurance Services works with multiple carriers and can build a package that fits your operation without overselling you on coverage you don't need. You can request a quote to start that conversation, and there's no obligation to buy anything. Getting the right protection in place now means you can focus on what you actually started your business to do.

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.

◆

80+ years local experience

1939

Serving SC

Meet Richard

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

Meet Richard

[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

Meet Richard

[CONFIRM bio]

Get a Quote

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

Get a Quote

Motorcycle

Riders need coverage built for the road. Motorcycle insurance protects your bike, your gear, and you after an accident.

Get a Quote

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.

Meet Richard View all business coverage Get a Quote

Commercial Auto

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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.

Tell us about you

Share a few details about what you need to protect. A real person reviews it.

We compare carriers

We shop options across our carriers to find strong protection at a fair price.

We recommend coverage

We walk you through the policy in plain language and answer every question.

You get covered

Sign with confidence — and we stay on for changes, claims, and yearly reviews.

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

Meet Richard

[CONFIRM bio]

Get a Quote

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

Get a Quote

Motorcycle

Riders need coverage built for the road. Motorcycle insurance protects your bike, your gear, and you after an accident.

Get a Quote

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.

How Much Does Business Insurance Cost for a Small Business in Florence, SC?

How Much Does Business Insurance Cost for a Small Business in Florence, SC?

6 August 2026
Learn how much small business insurance costs in Florence, SC, including GL, workers’ comp, property coverage, pricing factors, and ways to save.
What Insurance Does a Small Business in South Carolina Legally Need?

What Insurance Does a Small Business in South Carolina Legally Need?

6 August 2026
Learn what insurance South Carolina small businesses legally need, including workers’ comp, commercial auto, and essential coverage beyond state requirements.
Group Health Insurance vs. Individual Plans: Which Is Right for SC Employers?

Group Health Insurance vs. Individual Plans: Which Is Right for SC Employers?

6 August 2026
Compare group health insurance vs. individual plans for SC employers. Learn costs, tax benefits, ICHRA options, and the best fit for your team.

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

Insurance Sales

J. Roger Jordan, CIC

Meet Richard

[CONFIRM bio]

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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

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Motorcycle

Riders need coverage built for the road. Motorcycle insurance protects your bike, your gear, and you after an accident.

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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