South Carolina ICHRA Plans

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

South Carolina employers are rethinking how they offer health benefits, and for good reason. Traditional group plans have become expensive, inflexible, and frustrating to manage, especially for small and mid-sized businesses scattered across the state from Florence to Rock Hill. Individual Coverage HRAs give South Carolina employers a way to fund employee health benefits through defined contributions while letting workers choose their own plans on the individual market. This approach has been gaining serious traction since 2020, but the last two years have seen the sharpest acceleration yet. ICHRA adoption among large employers with 50+ employees surged by 34% year-over-year, and smaller employers are following close behind. For Palmetto State businesses, whether you run a restaurant in Myrtle Beach or a manufacturing operation in Columbia, the model solves a very specific set of problems that group coverage creates. The question isn't really whether ICHRAs work. It's whether they work for your particular situation, your team, and your budget.

Understanding ICHRA in the South Carolina Business Landscape

An Individual Coverage HRA lets employers set a monthly tax-free allowance for each employee. Workers then use that allowance to purchase their own individual health insurance policy and get reimbursed for premiums and, depending on the plan design, other qualified medical expenses. The employer controls the budget. The employee controls the coverage.


This matters in South Carolina because the state's employer demographics skew heavily toward businesses with fewer than 50 employees. These companies rarely get competitive group rates, and many have struggled with annual renewal increases of 8-15%. An ICHRA removes the employer from the insurance-buying equation entirely while still providing a meaningful, tax-advantaged health benefit.

How Individual Coverage HRAs Differ from Group Plans

With a group plan, the employer selects one carrier and one or two plan options. Everyone enrolls in the same coverage, and the employer pays a percentage of the premium. If claims are high one year, renewal rates spike. The employer bears the risk of cost fluctuation.


ICHRAs flip that model. The employer decides how much to contribute per month, per employee class. Employees shop for their own individual plans, whether on the federal marketplace (healthcare.gov) or off-exchange. There's no carrier to negotiate with, no renewal shock, and no minimum participation headaches. The employer's cost is fixed from day one.


One critical distinction: employees must be enrolled in individual health insurance that meets minimum essential coverage standards to participate. They can't simply pocket the allowance.

The Role of the South Carolina Health Insurance Exchange

South Carolina uses the federal marketplace at healthcare.gov rather than operating its own state exchange. This actually simplifies ICHRA implementation because employees across all regions of the state use the same platform. Marketplace plans in South Carolina are offered by carriers like Blue Cross Blue Shield, Ambetter, and Molina, with plan availability varying by county.


Employees who receive ICHRA contributions can still access premium tax credits in some cases, but only if the ICHRA is considered "unaffordable" under IRS guidelines. For most employees with a reasonable ICHRA allowance, the employer's contribution replaces the subsidy. This is a nuance worth understanding before setting allowance amounts, because it directly affects how much value your employees actually receive.

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

Medical Payments and Personal Injury Protection

Medical payments coverage (MedPay) pays for medical bills for you and your passengers after an accident, regardless of who caused it. South Carolina doesn't require PIP (personal injury protection), but MedPay is a practical alternative that covers immediate medical costs without waiting for fault to be determined. If you regularly travel with family or friends, carrying $10,000 to $25,000 in MedPay is a reasonable baseline.

Key Advantages for Palmetto State Employers

The appeal of ICHRAs for South Carolina businesses comes down to three things: cost control, flexibility, and simplicity. But the specific advantages play out differently depending on your company size and workforce composition.

Predictable Budgeting with Defined Contributions

Group plan renewals are the bane of every HR manager's existence. You budget $8,000 per employee, then get hit with a 12% increase you didn't plan for. With an ICHRA, you set the contribution amount and that number doesn't change unless you decide to change it. A Columbia-based nonprofit with 25 employees can budget $400 per employee per month and know exactly what the annual cost will be: $120,000, period.


This predictability is especially valuable for seasonal businesses along the coast and restaurants that deal with tight margins. You're not gambling on claims experience you can't control.

Eliminating Participation Rate Requirements

Here's something that trips up a lot of small South Carolina employers with group plans: carrier participation requirements. Most group carriers require 70-75% of eligible employees to enroll. If you have a young workforce where half the team is on a spouse's plan or a parent's plan, you might not hit that threshold, and the carrier walks away.


ICHRAs have no participation minimums. You offer the benefit to eligible classes, and employees choose whether to use it. If only 3 out of 10 employees enroll in individual coverage and submit for reimbursement, that's fine. You only pay for what's actually used.

Most South Carolina small businesses land on Silver or Gold plans. Bronze works well when paired with employer HSA contributions, while Platinum plans are typically reserved for businesses competing for top talent in industries like healthcare or tech.

South Carolina Group Health vs. ICHRA Comparison

The differences between these two approaches become clearer when you see them side by side.

Feature Traditional Group Plan ICHRA
Cost predictability Variable: tied to claims and renewals Fixed: employer sets the budget
Employee choice 1-2 plan options from one carrier Any individual plan on or off exchange
Minimum participation Typically 70-75% required No minimum
Employer administration Carrier enrollment, billing, compliance Allowance setup, reimbursement processing
Tax treatment Premiums are pre-tax Reimbursements are tax-free
Scalability Harder for small or distributed teams Works for 1 employee or 1,000
Coverage portability Employee loses coverage when leaving Employee keeps their individual plan

That last row matters more than people realize. When an employee leaves a group plan, they face COBRA or a gap in coverage. With an ICHRA, the employee already owns their individual policy. They just stop getting reimbursed. The coverage continues without interruption.

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

How South Carolina's Insurance Market Shapes ICHRA Value

South Carolina's individual insurance market has some characteristics that make ICHRAs particularly effective here. The state has seen steady growth in marketplace enrollment, which means more plan options and more competitive pricing in most counties.


Coastal counties like Horry and Georgetown tend to have slightly higher premiums due to provider network costs, while inland areas like Florence and the Midlands often see more affordable options. This geographic variation actually works in an ICHRA's favor: employees in lower-cost areas get more purchasing power from the same allowance, and employees in higher-cost areas can supplement with their own funds or choose a plan that fits their budget.


The state's healthcare landscape also faces some uncertainty. Healthcare coverage access could shift depending on federal funding decisions, which makes employer-sponsored options like ICHRAs even more relevant as a stable source of coverage for workers.

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.

Setting Up an ICHRA for Your South Carolina Team

Getting an ICHRA off the ground isn't complicated, but it does require following specific IRS rules. Skip a step and you risk losing the tax-advantaged status of the entire arrangement.


Start by choosing an ICHRA start date. Most employers align with their fiscal year or January 1, but you can start mid-year. Then select an ICHRA administration platform or work with a broker who handles the compliance and reimbursement processing. Agencies like CSP Insurance Services, which has been working with South Carolina businesses since 1939, can walk you through the setup and help employees understand their individual plan options across multiple carriers.

Determining Allowance Amounts by Employee Class

The IRS lets you set different allowance amounts for different employee classes. These classes can be based on full-time vs. part-time status, salaried vs. hourly, geographic location, or age. You cannot, however, base classes on health status or claims history.


A practical example: a Rock Hill manufacturer might offer $500/month to full-time salaried employees and $300/month to full-time hourly workers. Both are valid classes. The key rule is that everyone within a class must receive the same allowance amount. You can't give your favorite manager an extra $100.

Meeting Legal Notice and Attestation Requirements

Employers must provide written notice to eligible employees at least 90 days before the start of each plan year. This notice needs to include the allowance amount, a statement that the employee must have individual coverage to participate, and information about how the ICHRA might affect marketplace subsidy eligibility.


Employees must also attest monthly or annually that they maintain qualifying individual health coverage. Most ICHRA administration platforms automate this process, but the requirement exists regardless of how you manage it.

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

FAQ: Do I need special insurance for a rental RV?

Yes. If you're renting an RV from a peer-to-peer platform, the rental company usually offers insurance, but read the fine print carefully. Your personal auto policy almost certainly won't cover a rented motorhome. If you're renting out your own RV, you'll need a commercial or rental-specific endorsement on your policy.

Common Questions About South Carolina ICHRAs

Can I offer an ICHRA and a group plan at the same time? Yes, but not to the same class of employees. You could offer a group plan to full-time employees and an ICHRA to part-time employees, for example.


Do ICHRA contributions count toward the ACA employer mandate? Yes, if the ICHRA is considered "affordable" under IRS guidelines, it satisfies the employer shared responsibility requirement for applicable large employers (50+ full-time equivalent employees).


Can employees use ICHRA funds for dental or vision? Only if you design the ICHRA to cover those expenses. You can limit reimbursements to premiums only or expand them to include other Section 213(d) medical expenses.


What happens to unused ICHRA funds? Unlike FSAs, ICHRA funds don't have to be forfeited at year-end. You can allow rollover, but you're not required to. Most employers choose not to roll over funds to keep budgets clean.


Is there a maximum ICHRA contribution? No. The IRS sets no cap on how much you can contribute. This is one of the biggest differences between ICHRAs and QSEHRAs, which do have annual limits.

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.

Why Small and Mid-Sized SC Businesses Are Leading the Shift

The ICHRA trend isn't being driven by Fortune 500 companies. It's being driven by businesses with 5 to 200 employees that have been priced out of or frustrated by the group market. South Carolina has a disproportionate share of these employers, particularly in sectors like hospitality, healthcare staffing, and agriculture.


A 15-person dental practice in Florence doesn't have the bargaining power to negotiate group rates the way a 500-person firm does. But that same practice can offer a competitive ICHRA allowance of $450/month and let each hygienist, assistant, and office manager pick the plan that works best for their family. The practice gets a predictable expense line item, and the employees get genuine choice.


The growth in HRA adoption across the country reflects this shift, and South Carolina employers are keeping pace with the national trend.

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

FAQ: Do I need special insurance for a rental RV?

Yes. If you're renting an RV from a peer-to-peer platform, the rental company usually offers insurance, but read the fine print carefully. Your personal auto policy almost certainly won't cover a rented motorhome. If you're renting out your own RV, you'll need a commercial or rental-specific endorsement on your policy.

What Employees Actually Experience with an ICHRA

From the employee's perspective, an ICHRA works like this: your employer tells you that you have, say, $400/month to spend on individual health insurance. You go to healthcare.gov or work with a broker to find a plan. You enroll, pay the premium, and submit proof of coverage. Your employer reimburses you up to the allowance amount, tax-free.


The biggest adjustment for employees is shopping for their own plan. This can feel overwhelming at first, especially for workers who have always been on a group plan. That's where having access to knowledgeable brokers makes a real difference. An independent agency can help employees compare plans across carriers without pushing them toward any single option, which is exactly the kind of personalized guidance that South Carolina workers benefit from during open enrollment.

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 Considerations for SC Employers

South Carolina doesn't impose state-level ICHRA regulations beyond what federal law requires, which keeps things relatively straightforward. But federal compliance still demands attention.


You need a formal written plan document. You need to follow ERISA requirements (though ICHRAs are generally exempt from many ERISA provisions that apply to group plans). You need to ensure your employee classes don't discriminate based on health factors. And if you're an applicable large employer, you need to make sure your ICHRA offer meets ACA affordability standards to avoid penalties.


South Carolina's Department of Insurance oversees the individual market plans that employees purchase, but the ICHRA itself falls under federal jurisdiction. The state's ongoing health reform efforts may eventually introduce additional considerations, so staying connected with a knowledgeable broker is worth the effort.

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

FAQ: Do I need special insurance for a rental RV?

Yes. If you're renting an RV from a peer-to-peer platform, the rental company usually offers insurance, but read the fine print carefully. Your personal auto policy almost certainly won't cover a rented motorhome. If you're renting out your own RV, you'll need a commercial or rental-specific endorsement on your policy.

Making the Right Choice for Your Workforce

ICHRAs aren't the right fit for every South Carolina employer. If you have a large, homogeneous workforce that's happy with your current group plan and your renewals are manageable, switching might create unnecessary disruption. But if you're dealing with rising group costs, low participation, a distributed workforce, or employees who want more choice, an ICHRA deserves serious consideration.


The math is straightforward. Calculate what you're spending per employee on group coverage today. Compare that to what a competitive ICHRA allowance would cost. Factor in the administrative savings and the elimination of renewal risk. For most small and mid-sized South Carolina businesses, the numbers favor the ICHRA.


If you're weighing your options, talking to an independent agency that understands both the group and individual markets in South Carolina will save you time and prevent costly mistakes. CSP Insurance Services works with employers across the state to evaluate whether an ICHRA, a group plan, or a hybrid approach makes the most sense. You can request a quote to start a conversation about what would work best for your team and your budget.

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

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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.

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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.

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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.

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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.

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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