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

A surprising number of small and mid-sized employers in South Carolina still treat dental coverage as an afterthought, something they'll "get to eventually." But employees don't see it that way. Dental benefits consistently rank among the top three most-wanted perks in workplace surveys, right behind medical insurance and retirement plans. If you're an employer trying to figure out what kind of dental plan to offer, how much it'll cost, and what the law actually requires, you're in the right place. This guide covers the essentials of group dental insurance, from plan types and costs to compliance obligations that can trip up even experienced business owners. Whether you run a restaurant in Myrtle Beach or a manufacturing operation in Columbia, the decisions you make about dental coverage affect your bottom line and your ability to hold onto good people. And with 21 dental insurance reform laws enacted across states in 2026 legislative sessions, the regulatory picture is shifting faster than most employers realize.

Why Group Dental Insurance is a Core Employee Benefit

Dental insurance isn't just a nice perk anymore. It's a signal to current and prospective employees that you take their well-being seriously. For employers competing in tight labor markets across South Carolina, offering dental coverage can be the deciding factor between landing a skilled hire and losing them to a competitor down the road.

Attracting and Retaining Top Talent

Think about the last time you tried to hire for a skilled position in Florence or Rock Hill. Candidates compare total compensation packages, and dental benefits are part of that math. A 2026 survey by the Bureau of Labor Statistics showed that 40% of private industry workers had access to employer-sponsored dental plans, and in industries like healthcare and manufacturing, the expectation is even higher. Employers who skip dental coverage often find themselves offering higher salaries to compensate, which ends up costing more in the long run anyway.

The Link Between Oral Health and Productivity

Untreated dental problems lead to missed workdays. A toothache doesn't just hurt: it makes concentration nearly impossible. The CDC has long documented the connection between poor oral health and chronic conditions like diabetes and cardiovascular disease. Employees with dental coverage are more likely to get preventive care, catch problems early, and stay productive. That's not a soft benefit. It's a measurable reduction in absenteeism and presenteeism.

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.

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

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.

Common Types of Dental Plans for Employers

Choosing a dental plan structure is one of the first decisions you'll face, and it shapes everything from employee satisfaction to your monthly premium. The three main models each come with distinct trade-offs.

Dental PPOs vs. DHMOs: Understanding the Network

Dental PPOs (Preferred Provider Organizations) give employees access to a network of dentists but also allow out-of-network visits at a higher cost. They're the most popular choice among South Carolina employers because of their flexibility. DHMOs (Dental Health Maintenance Organizations) require employees to choose a primary dentist within the network and get referrals for specialists. Monthly premiums for DHMOs tend to run 20-30% lower, but the restricted network can frustrate employees, especially in less populated areas where DHMO dentist availability is limited.

Indemnity Plans and Fee-for-Service Models

Indemnity plans are the old-school option. Employees visit any dentist they want, pay upfront, and submit claims for reimbursement. There's maximum freedom but also maximum cost. These plans are rare for small employers today because premiums are significantly higher. That said, some professional services firms and executive benefit packages still include them as a premium perk.

Comparison of Plan Structures

Feature DPPO DHMO Indemnity
Network Flexibility In- and out-of-network In-network only Any dentist
Monthly Premium Moderate Low High
Referral Required? No Yes No
Best For Most employers Budget-conscious groups Executive plans
Employee Satisfaction High Moderate High
Claims Process Simplified Simplified Employee submits claims

Understanding Coverage Levels and 100-80-50 Rules

Most group dental plans follow a tiered structure that determines how much the plan pays versus how much the employee pays out of pocket. This is where the "100-80-50" shorthand comes in: it's the most common split, though variations exist.

Preventive, Basic, and Major Services

Preventive services (cleanings, exams, X-rays) are typically covered at 100%, meaning no cost to the employee. Basic services like fillings, extractions, and root canals are usually covered at 80%, with the employee picking up the remaining 20%. Major services: crowns, bridges, dentures, and oral surgery: fall at the 50% level. Some plans adjust these percentages, and a few newer plans have started covering preventive care outside the deductible entirely, which is worth asking about when comparing quotes.

Waiting Periods and Annual Maximums

Most group dental plans impose waiting periods for basic and major services, typically 6 months for basic and 12 months for major. Preventive care usually has no waiting period. Annual maximums, the total the plan will pay per person per year, generally range from $1,000 to $2,500. This number hasn't changed much in decades despite rising dental costs, which is a common frustration. Some carriers now offer plans with rollover features that let unused annual maximum dollars carry forward, a feature worth investigating if your workforce skews younger and healthier.

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

Factors That Influence Employer Premiums

Dental premiums depend on several variables, and understanding them helps you budget accurately and avoid surprises at renewal time.

Fully Insured vs. Self-Funded Dental Plans

With a fully insured plan, you pay a fixed monthly premium per employee to a carrier, and the carrier assumes the risk. This is the standard approach for employers with fewer than 100 employees. Self-funded dental plans, where the employer pays claims directly and uses a third-party administrator for processing, can save money for larger groups with predictable claims history. The risk is that a few expensive claims in one year can blow up your budget. Agencies like CSP Insurance Services can help South Carolina employers evaluate whether self-funding makes financial sense based on their group size and claims data.

Voluntary vs. Contributory Enrollment Models

You can structure dental benefits as employer-paid (contributory), where you cover part or all of the premium, or as voluntary, where employees pay the full cost through payroll deduction. Voluntary plans cost you nothing in premiums but still give employees access to group rates, which are typically 15-30% lower than individual dental policies. Many South Carolina small businesses start with voluntary dental and shift to a contributory model as revenue grows. The key is participation: most carriers require at least 70-75% enrollment for contributory plans to qualify for group rates.

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.

Compliance and Legal Responsibilities

Dental benefits come with real legal obligations. Getting this wrong can mean penalties, lawsuits, or both.

ERISA Requirements for Dental Benefits

If you offer a group dental plan, it's governed by the Employee Retirement Income Security Act (ERISA). That means you need a written plan document, a Summary Plan Description (SPD) distributed to participants, and a formal claims and appeals process. You're also required to file a Form 5500 annually if your plan covers 100 or more participants. Many employers don't realize ERISA applies to dental plans, not just retirement benefits, and the Department of Labor does audit for compliance.

COBRA Obligations for Terminated Employees

Employers with 20 or more employees must offer COBRA continuation coverage for dental benefits when an employee loses coverage due to termination, reduction in hours, or other qualifying events. The former employee can keep their dental coverage for up to 18 months (sometimes 36 months for dependents) but pays the full premium plus a 2% administrative fee. Failing to provide timely COBRA notices can result in penalties of $110 per day per affected individual. South Carolina doesn't have a state mini-COBRA law, so the federal threshold of 20 employees is the trigger.

ACA Pediatric Dental Mandates

The Affordable Care Act requires that pediatric dental coverage be available as an Essential Health Benefit. For employers subject to the ACA employer mandate, this means ensuring pediatric dental is embedded in or offered alongside your health plan. The 2026 ACA affordability percentage affects how you calculate whether your overall benefits package meets the affordability threshold. If you're an applicable large employer (50+ full-time equivalent employees), ignoring this can trigger penalty assessments from the IRS.

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

Common Questions About Group Dental Plans

Do I have to offer dental insurance to my employees?

No. Dental insurance is not mandated by federal or South Carolina state law for adult employees. The only exception involves pediatric dental coverage under the ACA for applicable large employers. That said, offering dental is strongly recommended for recruitment and retention purposes.

How many employees do I need to qualify for a group rate?

Most carriers require a minimum of two employees for a group dental plan, though some set the threshold at five. Participation requirements vary, but expect carriers to want 70-75% enrollment for employer-contributory plans.

Can I offer dental insurance if I don't provide health insurance?

Yes. Dental can be offered as a standalone benefit. Many small employers in South Carolina offer dental and vision without a medical plan, especially businesses under the ACA's 50-employee threshold.

What is the difference between a deductible and a maximum?

A deductible is what the employee pays out of pocket before the plan starts covering costs, usually $50-$100 per person annually. The annual maximum is the most the plan will pay per person in a year. Once you hit the max, you're paying 100% of remaining costs.

Are dental premiums tax-deductible for my business?

Yes. Employer contributions to group dental premiums are deductible as a business expense. Employees who pay their share through pre-tax payroll deductions also benefit from reduced taxable income. This is one of the clearest financial advantages of offering dental coverage.

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.

How to Calculate the Right Aggregate Limit for Your Industry

Start with a realistic worst-case scenario. How many customer records do you store? Multiply that by $150-$200 per record for breach response costs. Add potential business interruption losses based on your daily revenue. Factor in legal defense costs if you handle regulated data.


A medical practice in Columbia with 15,000 patient records should consider at least $2 million in coverage. A small retailer in Florence with 2,000 customer accounts might be adequately protected with $500,000 to $1 million. Your agent should walk you through these calculations using your actual data, not industry averages.

Making the Right Choice for Your Team

Picking the right dental plan isn't just about finding the cheapest premium. It's about matching the plan structure to your workforce's actual needs, staying compliant with ERISA and ACA requirements, and positioning your company as an employer that invests in its people. The regulatory environment is changing too: Massachusetts now requires insurers to spend at least 83% of premium dollars on dental care, and 37 dental insurance reform laws passed across the country in 2025 alone. South Carolina employers should expect more transparency requirements in the years ahead.


An independent agency can compare plans across multiple carriers to find the right fit for your group size, budget, and employee demographics. CSP Insurance Services has been helping South Carolina businesses with exactly this kind of decision since 1939, and their team can walk you through plan options without the pressure of being tied to a single carrier. If you're ready to explore your options, request a quote and get a side-by-side comparison tailored to your business.

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

Get a Quote

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.

◆

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

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