South Carolina Employee Benefits

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

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South Carolina employers face a unique set of decisions when building a benefits package. Between coastal workforce dynamics in Myrtle Beach, a growing manufacturing sector in the Upstate, and competitive hiring markets in Columbia and Rock Hill, the right mix of group health, dental, vision, life, and disability coverage can make or break your ability to attract and keep good people. Small businesses here often compete against national employers with deep pockets, so getting your employee benefits strategy right isn't optional: it's survival. This guide walks through the specific regulations, plan structures, and cost considerations that South Carolina employers need to understand in 2026, whether you're running a 10-person restaurant in Florence or a 200-employee manufacturing operation near Greenville. We'll cover what the state requires, what employees actually expect, and how to build a package that works for your budget without cutting corners that cost you later.

South Carolina Employer Requirements and Regulations

South Carolina doesn't mandate that private employers provide health insurance, but that doesn't mean you're off the hook for regulations. Federal law still applies: if you have 50 or more full-time equivalent employees, the Affordable Care Act's employer mandate requires you to offer minimum essential coverage or face penalties. For smaller businesses, offering benefits is voluntary but increasingly necessary to stay competitive.


The state does have specific rules around workers' compensation (required for businesses with four or more employees) and unemployment insurance, which every employer must carry. These aren't "benefits" in the traditional sense, but they form the baseline of your obligations.

State-Specific Mandates for Small and Large Businesses

South Carolina requires that any group health plan sold in the state cover certain conditions, including mammography screening, diabetic supplies, and well-child care. Small group plans (2-50 employees) must also comply with guaranteed issue rules, meaning carriers can't deny coverage based on health status.


Large employers have more flexibility in plan design but face stricter ACA reporting requirements. If you're near the 50-employee threshold, count carefully: the IRS uses a specific formula for full-time equivalents that catches many employers off guard. A business with 35 full-time workers and 30 part-timers working 20 hours each could still trigger the mandate.

Compliance with South Carolina Department of Insurance Rules

The SC Department of Insurance oversees all insurance products sold in the state, and they don't take kindly to employers or brokers cutting corners. Every group health plan must be filed and approved by the department, and carriers must meet specific financial solvency requirements to operate here.


One area where SC employers trip up: continuation coverage. South Carolina has its own mini-COBRA law that applies to employers with fewer than 20 employees, giving departing workers the right to continue coverage for up to six months. If you're between 2 and 19 employees, you still need a process for handling these requests. Ignoring this creates liability.

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

Structuring Group Health Insurance Plans

Choosing the right group health plan is the single biggest benefits decision most SC employers make, and it's also the most expensive. In 2026, small employer premiums in South Carolina typically range from $475 to $950 per month for employee-only coverage, depending on plan type, carrier, and the age mix of your workforce.

Comparing HMO, PPO, and HDHP Options

PPO plans remain the most popular choice among SC employers because employees value the flexibility to see specialists without referrals. The trade-off is higher premiums. HMO plans cost less monthly but restrict employees to in-network providers, which can be a real problem in rural parts of the state where network options thin out.


High-deductible health plans paired with HSAs have gained serious traction, especially among employers trying to control costs while still offering meaningful coverage. The 2026 HSA contribution limits ($4,300 individual, $8,550 family) give employees a tax-advantaged way to save for medical expenses. For a manufacturing company in the Upstate or a healthcare practice in Florence, an HDHP with an employer HSA contribution of $50-100 per month can be a smart middle ground.

The Role of South Carolina BlueCross BlueShield and Local Carriers

BlueCross BlueShield of South Carolina dominates the state's group health market, and for good reason: their provider network is the broadest in the state. That said, carriers like Aetna, Cigna, and UnitedHealthcare also compete aggressively in metro areas like Columbia and Charleston.


This is where working with an independent agency like CSP Insurance Services pays off. Rather than being locked into one carrier's options, an independent agency can pull quotes from multiple carriers and compare them side by side. A PPO from BlueCross might be the best fit for a Columbia-based office, while a Cigna HDHP could save a Myrtle Beach hospitality group thousands annually. The point is: you won't know unless you compare.

Ancillary Benefits: Dental, Vision, and Life Insurance

Group health gets the headlines, but dental, vision, and life insurance are often what seal the deal for prospective hires. These benefits rank among the most valued by employees after health insurance, and they're relatively affordable for employers to offer.

Voluntary vs. Employer-Paid Dental and Vision Models

You have two basic approaches. Employer-paid plans mean the company covers all or most of the premium, typically running $25-50 per employee per month for dental and $5-15 for vision. Voluntary plans shift the cost entirely to employees, who pay through payroll deduction at group rates that are still cheaper than individual market prices.


Most SC employers we've seen land somewhere in between: they pay 50% of the dental premium and offer vision as a fully voluntary add-on. This approach keeps costs manageable while still giving employees access to coverage they'd struggle to find on their own. Dental plans typically cover preventive care at 100%, basic procedures at 80%, and major work at 50%, though specifics vary by carrier.

Group Term Life Insurance and AD&D Coverage

A basic group term life policy is one of the cheapest benefits you can offer, often costing less than $10 per employee per month for $50,000 in coverage. Most employers provide a base amount (one to two times annual salary) at no cost to the employee, then offer voluntary supplemental life that employees can purchase.


Accidental death and dismemberment coverage is usually bundled with group life at minimal additional cost. For employers in industries with higher physical risk, like SC's manufacturing or construction sectors, AD&D coverage is particularly relevant. One thing to keep in mind: group life insurance over $50,000 triggers imputed income tax for the employee, so factor that into your plan design.

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

Protecting Income with Short-Term and Long-Term Disability

South Carolina has no state-mandated disability insurance program, unlike states such as California or New York. That means if your employees can't work due to illness or injury, they have zero income protection unless you've set something up. This is a gap that catches a lot of SC employers by surprise, and it's a gap that creates real financial vulnerability for workers.


Short-term disability typically replaces 60% of an employee's income for up to 13 or 26 weeks. Long-term disability picks up after that and can last until age 65. Premiums are reasonable: expect to pay $15-40 per employee per month for STD and $10-30 for LTD, depending on the benefit amount and industry risk class.

Elimination Periods and Benefit Durations

The elimination period is the waiting time before benefits kick in. For short-term disability, this is usually 7 days for illness and 0 days for accidents. For long-term disability, the standard elimination period is 90 days, though some plans offer 60 or 180-day options.


Choosing the right elimination period is a balancing act. A longer wait means lower premiums but more time your employee goes without income. Many employers bridge this gap by pairing a short-term policy (with a 7-day elimination) with a long-term policy (90-day elimination), ensuring continuous coverage. If you offer PTO or sick leave, coordinate those benefits so employees can use accrued time during the elimination period.

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.

Comparison of Benefit Tiers for SC Employers

Not every business can afford the same level of benefits, and that's okay. What matters is understanding what you're offering relative to the market and making intentional choices about where to invest.

Table: Essential vs. Comprehensive Benefit Packages

Benefit Essential Package Comprehensive Package
Group Health HDHP with HSA; employer pays 50% of premium PPO plan; employer pays 75% of premium
Dental Voluntary only (employee-paid) Employer pays 50%; preventive at 100%
Vision Not included Voluntary with group rates
Life Insurance $25,000 employer-paid 1x salary employer-paid + voluntary supplemental
Short-Term Disability Not included Employer-paid; 60% income replacement
Long-Term Disability Voluntary only Employer-paid; 60% income to age 65
HSA/Employer Contribution $50/month employer match $100/month employer contribution
Estimated Monthly Cost/Employee $350-$550 $750-$1,100

The essential package works well for businesses under 25 employees who need to offer something competitive without breaking the bank. The comprehensive package is what you'll need to attract experienced professionals in competitive markets like Columbia, Charleston, or Greenville. Many employers, especially those working with agencies like CSP Insurance Services, build a custom package somewhere between these two tiers based on their workforce demographics and budget.

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

Frequently Asked Questions About SC Employee Benefits

Common Questions from Small Business Owners

Do I have to offer health insurance in South Carolina? No. SC doesn't mandate it, and the ACA only requires it for employers with 50+ full-time equivalent employees. But offering benefits significantly improves hiring and retention.


How many employees do I need to qualify for group health insurance? Most carriers in South Carolina require a minimum of two enrolled employees. Some require a minimum participation rate of 70-75% of eligible employees.


Can I offer different benefit levels to different employees? Yes, but with guardrails. You can create different classes (full-time vs. part-time, salaried vs. hourly, by job title) as long as the classifications don't discriminate based on health status. Your plan document needs to clearly define these classes.


Are there tax advantages to offering employee benefits? Absolutely. Employer contributions to group health premiums are tax-deductible as a business expense and exempt from payroll taxes. Small businesses with fewer than 25 employees may also qualify for the Small Business Health Care Tax Credit if they meet income and contribution thresholds.


What's the most cost-effective benefit I can add beyond health insurance? Group term life insurance. It costs very little, employees value it highly, and it signals that you care about their families. A $50,000 policy often runs under $10 per employee per month.


How often should I review my benefits package? Annually, at minimum. Carrier rates change every year, employee needs shift, and new products enter the market. A good independent broker will handle this review for you and bring alternatives before your renewal date.

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.

Making the Right Choice for Your Workforce

Building the right benefits package for your South Carolina business isn't about checking boxes. It's about understanding what your specific employees need, what your local market demands, and what your budget can realistically support. A restaurant group in Myrtle Beach has different priorities than a nonprofit in Rock Hill, and the best package for a 15-person firm won't look like the one designed for a 150-person manufacturer.


The employers who get this right tend to share one trait: they work with someone who knows the SC market and can compare options across carriers without bias. CSP Insurance Services has been doing exactly that since 1939, helping businesses across South Carolina find coverage that fits without overpaying. If you're building or rethinking your benefits program, request a quote to get a side-by-side comparison tailored to your workforce and budget. A quick conversation now can save you thousands at renewal time and help you hold onto the people who keep your business running.

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.

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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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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.

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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.

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.

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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.

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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

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2420 Hoffmeyer Road, Suite D
Florence, SC 29501

Mon–Fri 8:30am – 5:00pm