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 single wrongful termination lawsuit can cost a small business $75,000 to $250,000 in legal fees and settlements, even when the employer did nothing wrong. For South Carolina businesses, that kind of exposure isn't hypothetical: the EEOC secured a record $660 million for discrimination victims in fiscal year 2025, with $528 million coming through litigation alone. Employment-related claims are rising across industries, and South Carolina's at-will employment status doesn't protect employers as much as many assume.
Employment practices liability insurance, or EPLI, exists specifically for these situations. It covers the legal costs and settlements tied to claims employees (or former employees, or even job applicants) bring against your business. If you run a restaurant in Myrtle Beach, a manufacturing operation in Rock Hill, or a healthcare practice in Columbia, you're exposed to these risks whether you have five employees or five hundred. This guide breaks down what South Carolina businesses actually need to know about EPLI: what it covers, how limits work, what state-specific factors matter, and how to avoid the coverage gaps that catch employers off guard.
Understanding Employment Practices Liability Insurance (EPLI) in South Carolina
EPLI is a specialized insurance product that protects businesses from claims related to how they manage their workforce. Think of it as the policy that kicks in when an employee, former employee, or job candidate alleges your company wronged them in the hiring, management, or termination process. Unlike other commercial policies, EPLI is specifically designed for the human side of running a business: the decisions, conversations, and actions that happen between employers and workers every day.
South Carolina businesses face unique pressures here. The state's growing economy has brought more workers, more regulatory attention, and more awareness among employees about their rights. A claim doesn't need to have merit to drain your bank account. Defense costs alone can cripple a small operation, and EPLI covers those costs from the moment a claim is filed.
Common Claims Covered by South Carolina Policies
Most EPLI policies cover a consistent set of employment-related allegations:
- Wrongful termination or constructive dismissal
- Sexual harassment and hostile work environment claims
- Discrimination based on race, age, gender, disability, religion, or national origin
- Retaliation against employees who report violations or file complaints
- Wage and hour disputes (coverage varies by policy)
- Failure to promote or unfair employment practices
- Negligent hiring, supervision, or retention
South Carolina restaurants, for example, face particularly high exposure to harassment and wrongful termination claims due to high turnover rates and the fast-paced nature of the industry. But these risks aren't limited to food service: healthcare providers, nonprofits, and manufacturers all see their share of employment disputes.
Why General Liability Isn't Enough for Employee Lawsuits
Here's a mistake I see constantly: business owners assume their general liability or commercial package policy will handle an employment claim. It won't. General liability covers third-party bodily injury and property damage. If a customer slips on your floor, that's general liability. If an employee says you fired them because of their age, your general liability policy has nothing to say about it.
Workers' compensation is another common source of confusion. Workers' comp covers workplace injuries and occupational illness. It does not cover discrimination lawsuits, harassment allegations, or wrongful termination claims. EPLI fills a gap that no other standard business policy addresses, and that gap can be financially devastating without the right coverage in place.
Your CSP agent
Lawson Walker, CIC
Insurance Sales
On this page
CSP Insurance Services is a fully licensed independent insurance agency serving individuals, families, and businesses across South Carolina.
From our home in Florence, we proudly serve clients in Florence, Myrtle Beach, Rock Hill, Columbia, and communities throughout South Carolina. As an independent Trusted Choice agency, our team works with a wide range of top-rated carriers to provide personal and commercial coverage — home, auto, business, life, and more — tailored to the real needs of the people and businesses we protect.
Boat and Watercraft Coverage for Weekend Adventures
Your homeowners policy might cover a small kayak or canoe, but anything with a motor typically needs its own policy. Boat insurance covers physical damage to the vessel, liability for injuries or property damage you cause on the water, and sometimes towing and salvage costs.
Lake-specific risks differ from coastal ones. A boat kept at Myrtle Beach faces saltwater corrosion, hurricane exposure, and higher theft rates than one stored at a private dock on Lake Wateree. Your policy should reflect where you keep and operate the boat. An independent agency like CSP Insurance Services can compare quotes across multiple marine carriers to find coverage that actually matches your boating habits rather than forcing you into a one-size-fits-all plan.
| Feature | Admitted (Standard) Carriers | Non-Admitted (E&S) Carriers |
|---|---|---|
| State regulation | Fully regulated; rates filed with state | Exempt from rate filing; flexible pricing |
| Guaranty fund protection | Yes: state fund covers claims if carrier fails | No: no guaranty fund backstop |
| Policy forms | Standardized (ISO forms common) | Manuscript or custom forms |
| Risk appetite | Prefers low-to-moderate risk | Accepts high-risk and unusual exposures |
| Premium cost | Generally lower | Typically 20-75% higher |
| Surplus lines tax | Not applicable | Buyer pays state surplus lines tax (varies 2-5%) |
| Speed of placement | Standard timelines | Can be faster or slower depending on complexity |
South Carolina Employment Laws and Regulatory Requirements
South Carolina has its own set of employment laws that create specific risks for employers operating in the state. Understanding these laws helps you see why EPLI isn't optional for most businesses: it's a financial necessity.
At-Will Employment and Wrongful Termination Risks
South Carolina is an at-will employment state, meaning employers can generally terminate employees for any reason or no reason at all, as long as the reason isn't illegal. Many business owners hear "at-will" and assume they're protected from termination lawsuits. That assumption is dangerous.
At-will employment has significant exceptions. You cannot fire someone for discriminatory reasons, in retaliation for filing a complaint, or in violation of an implied contract. If your employee handbook promises progressive discipline before termination, a court might treat that as an implied contract, even if you never intended it that way. The legal costs of defending against a wrongful termination claim in South Carolina typically start at $30,000 and climb quickly from there.
The Role of the South Carolina Human Affairs Commission (SCHAC)
The South Carolina Human Affairs Commission is the state agency that investigates discrimination complaints filed by employees. SCHAC works alongside the federal EEOC and handles claims under the South Carolina Human Affairs Law, which applies to employers with 15 or more employees. The commission provides technical services and training to help employers comply with state anti-discrimination laws, but when a complaint is filed, it also has investigative and enforcement authority.
SCHAC's annual reports show consistent filing activity across the state, with race discrimination, retaliation, and sex-based claims among the most common categories. Even businesses with fewer than 15 employees aren't completely safe: federal laws like the ADA and ADEA have their own thresholds, and some local ordinances may apply.
Comparing Policy Features and Coverage Scope
Not all EPLI policies are created equal. The differences between a basic policy and a comprehensive one can mean the difference between full protection and a costly gap. Here's how they typically compare:
Comparison Table: State Minimum vs. Recommended Business Limits
| Feature | Basic EPLI | Comprehensive EPLI |
|---|---|---|
| Wrongful termination | Covered | Covered |
| Discrimination claims | Covered | Covered |
| Sexual harassment | Covered | Covered |
| Wage and hour disputes | Usually excluded | Often included (sub-limit) |
| Third-party claims | Excluded | Covered (customers, vendors) |
| Regulatory proceedings | Limited | Full defense coverage |
| Prior acts coverage | Rarely included | Available with retroactive date |
| Employment-related privacy claims | Excluded | Often included |
Third-party coverage is worth highlighting. A basic policy might cover claims from your employees, but what about a customer who alleges your staff discriminated against them? Comprehensive policies extend that protection. For businesses in hospitality, healthcare, or retail, this distinction matters enormously.
An independent agency like CSP Insurance Services can pull quotes from multiple carriers and compare these features side by side, which saves you from discovering a coverage gap after a claim is already filed.
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 |
Determining Coverage Limits and Deductibles for Your Business
Choosing the right coverage limits depends on your business size, industry, and risk profile. Most small businesses carry EPLI limits between $250,000 and $1 million per claim, with aggregate limits that cap total payouts per policy period. Larger employers or those in high-risk industries often need $2 million or more.
Deductibles (sometimes called retention amounts) typically range from $2,500 to $25,000. A higher deductible lowers your premium but means more out-of-pocket cost when a claim hits. The right balance depends on your cash flow and how much risk you're comfortable absorbing.
Factors That Influence South Carolina Premium Rates
EPLI premiums in South Carolina generally cost between $800 and $5,000 annually for small to mid-sized businesses, though the actual number depends on several factors:
- Number of employees (more employees equals more exposure)
- Industry type (restaurants, healthcare, and staffing agencies pay more)
- Claims history (prior employment claims raise your rates significantly)
- HR practices and documentation (formal policies and training can earn discounts)
- Employee turnover rate (high turnover correlates with more claims)
South Carolina's regulatory environment also plays a role. The state Department of Insurance has been issuing data calls related to new insurance products, including those tied to paid family leave insurance requirements with reporting deadlines in 2026. These regulatory shifts can influence how carriers price employment-related coverage in the state.
Duty to Defend vs. Reimbursement Policies
This is one of the most overlooked distinctions in EPLI. A duty-to-defend policy means your insurer takes over your legal defense from day one, selecting and paying attorneys directly. A reimbursement policy means you hire your own attorney, pay upfront, and submit costs to the insurer for repayment.
For most South Carolina small businesses, duty-to-defend policies are the better option. They eliminate the cash flow burden of paying legal fees while waiting for reimbursement. Reimbursement policies give you more control over attorney selection, which some larger companies prefer, but the financial strain on a small business can be significant.
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.
Common Questions About South Carolina EPLI
Does South Carolina require businesses to carry EPLI? No. EPLI is not mandated by state law. However, the financial risk of going without it is substantial, especially for businesses with more than a handful of employees.
Can a business with only three employees face an employment claim? Absolutely. Federal laws like Title VII apply to employers with 15+ employees, but other statutes (like the Equal Pay Act) have no minimum. Applicants who were never hired can also file claims.
Does EPLI cover claims from independent contractors? Most standard policies do not. If you rely heavily on 1099 workers, ask your agent about endorsements that extend coverage to contractor disputes.
Are punitive damages covered under South Carolina EPLI policies? Coverage for punitive damages varies by carrier and is subject to South Carolina law. Some policies include it; others exclude it entirely. Always check your declarations page.
How long does it take to get an EPLI policy in place? Most policies can be bound within a few days of application. If your business has a clean claims history and solid HR documentation, the process is straightforward.
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 EPLI Protects Against Retaliation Claims
Retaliation claims are the fastest-growing category of employment complaints nationally, and South Carolina is no exception. An employee doesn't have to win their original discrimination complaint for a retaliation claim to succeed: they only need to show that you took adverse action against them after they raised a concern. EPLI covers the defense costs and potential settlements from these claims, which often arise from situations employers didn't even realize were risky.
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.
The Connection Between HR Practices and EPLI Premiums
Strong HR practices directly reduce your EPLI costs. Carriers reward businesses that maintain written employee handbooks, conduct regular anti-harassment training, document performance issues, and follow consistent termination procedures. Some insurers offer premium discounts of 5% to 15% for businesses that can demonstrate these practices. If you're paying more than you think you should for coverage, improving your HR documentation is often the fastest path to lower rates.
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 |
Who Needs EPLI Most in South Carolina?
Every employer faces some level of risk, but certain South Carolina businesses carry higher exposure. Restaurants and hospitality businesses in Myrtle Beach and Charleston deal with high turnover and tipping disputes. Healthcare providers in Florence and Columbia manage sensitive patient interactions that can lead to third-party claims. Manufacturers in Rock Hill and Greenville face safety-related retaliation concerns. Nonprofits, often operating with lean HR departments, are especially vulnerable because they lack the internal resources to manage claims effectively.
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.
What Happens When You Don't Have EPLI
Without EPLI, your business pays every dollar of legal defense and any resulting settlement or judgment out of pocket. A single harassment claim that goes to trial can easily exceed $200,000 in combined legal fees and damages. Many small businesses that face uninsured employment claims end up settling for amounts they can't afford, taking on debt, or closing entirely. The policy exists to prevent a single employee dispute from becoming an existential threat to your company.
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 |
Making the Right Choice for Your Workforce
Employment practices liability coverage isn't a luxury for South Carolina businesses: it's a practical response to real and growing risk. The combination of rising EEOC enforcement, active state-level oversight through SCHAC, and increasingly aware employees means that every hiring decision, performance review, and termination carries potential legal exposure.
The most important steps you can take are straightforward. Assess your current coverage to confirm you actually have EPLI (many business owners assume it's bundled with their commercial package when it isn't). Review your HR practices and documentation. And work with an independent agent who can compare policies from multiple carriers to find the right fit for your specific situation.
CSP Insurance Services has been helping South Carolina businesses with exactly this kind of coverage analysis since 1939. Their team can walk you through policy options, explain the differences between carriers, and make sure your limits actually match your exposure. If you're ready to find out what EPLI coverage would look like for your business, request a quote and get a straightforward answer without the runaround.
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
Most Requested
Core business coverage.
The policies most South Carolina businesses start with.
Commercial Property
Protect the building, equipment, and inventory your business runs on, so a covered fire, theft, or storm doesn’t become a closed door.
Workers Compensation
Required for most South Carolina employers with staff. It covers medical bills and lost wages when an employee is hurt on the job.
Commercial Auto
Cars, trucks, and fleets used for work need more than a personal policy. This handles liability, damage, and your drivers.
General Liability
Accidents happen on the job and on your property. General liability covers third-party injury and property damage claims against your business.
Inland Marine
Tools, equipment, and goods on the move aren’t covered by standard property policies. Inland marine protects them wherever they travel.
Business Owners (BOP)
A business owners policy bundles property and liability coverage into one package, often at a better price for small businesses.
We compare several carriers to find a policy that fits you, not one company's products.
◆
80+ years local experience
1939
Serving SC
Insurance Sales
J. Roger Jordan, CIC
[CONFIRM bio]
Personal Insurance
Coverage for your home, vehicles, and family.
Protect what matters most with personal policies shopped across our carriers.
Home
Your house is likely your largest investment. Home insurance helps rebuild after covered damage and protects you from liability.
Auto
South Carolina drivers need real protection. Auto coverage handles liability, collision, medical costs, and uninsured drivers.
Umbrella
When a serious claim climbs past your home or auto limits, umbrella coverage adds an extra layer of liability protection.
Boat
Time on the water should be worry-free. Boat coverage protects your vessel, your passengers, and your liability on the lake or coast.
Motorcycle
Riders need coverage built for the road. Motorcycle insurance protects your bike, your gear, and you after an accident.
Condo
Your association covers the building, but not what’s inside. Condo insurance protects your belongings, improvements, and liability.
We compare several carriers to find a policy that fits you, not one company's products.
◆
80+ years local experience
1939
Serving SC
Insurance Sales
J. Roger Jordan, CIC
[CONFIRM bio]
Boat
Your association covers the building, but not what’s inside. Condo insurance protects your belongings, improvements, and liability.
Time on the water should be worry-free. Boat coverage protects your vessel, your passengers, and your liability on the lake or coast.
Condo
Motorcycle
Riders need coverage built for the road. Motorcycle insurance protects your bike, your gear, and you after an accident.
Industries We Serve
Specialized coverage for your industry.
Every industry carries its own risk. We help South Carolina businesses protect what they've built.
Restaurants
Kitchens, customers, and staff create daily exposure. We protect your property, equipment, liquor liability, and employees.
Manufacturers
From equipment breakdown to product liability, manufacturers face risk on the floor and beyond. We help cover property, machinery, and goods.
Healthcare Providers
Practices and clinics carry patient, property, and professional risk. We help cover liability, equipment, and the people who run your practice.
We compare several carriers to find a policy that fits you, not one company's products.
◆
80+ years local experience
1939
Serving SC
Commercial Property
Protect the building, equipment, and inventory your business runs on, so a covered fire, theft, or storm doesn’t become a closed door.
Commercial Auto
Cars, trucks, and fleets used for work need more than a personal policy. This handles liability, damage, and your drivers.
How It Works
Getting covered is simple.
Four steps, one real person from start to finish.
We compare carriers
We shop options across our carriers to find strong protection at a fair price.
We compare several carriers to find a policy that fits you, not one company's products.
Multi-carrier choice
Claims advocacy
When a claim happens, we stand in your corner and help move it forward with your carrier.
Local SC roots
We live and work in Florence and understand the risks your community faces because we face them too.
Client Reviews
Why clients choose CSP.
Independent advice, real people, and decades of local roots.
We compare several carriers to find a policy that fits you, not one company's products.
◆
80+ years local experience
1939
Serving SC
Insurance Sales
J. Roger Jordan, CIC
[CONFIRM bio]
Boat
Your association covers the building, but not what’s inside. Condo insurance protects your belongings, improvements, and liability.
Time on the water should be worry-free. Boat coverage protects your vessel, your passengers, and your liability on the lake or coast.
Condo
Motorcycle
Riders need coverage built for the road. Motorcycle insurance protects your bike, your gear, and you after an accident.
FAQs
Questions, answered.
Straight answers about working with an independent agency.
What does an independent insurance agency do?
An independent agency represents several carriers instead of one. We compare coverage and pricing across companies, then recommend the policy that fits you best.
Do you cover both personal and business insurance?
Yes. CSP writes personal lines like home and auto, and commercial lines for businesses across South Carolina.
How long has CSP been in business?
CSP traces its roots to 1939, with more than 80 years serving South Carolina families and businesses.
Will I work with a real person?
Always. No call centers and no chatbots — you work with a local team member who knows your account.
Which areas do you serve?
We’re based in Florence and serve clients statewide, including Myrtle Beach, Rock Hill, and Columbia.
How do I get a quote?
Request a quote online, call us, or stop by the office. A real person will review your needs and follow up.
How It Works
Insurance tips & updates.
Plain-language guidance to help you make confident decisions.
We compare several carriers to find a policy that fits you, not one company's products.
◆
80+ years local experience
1939
Serving SC
Insurance Sales
J. Roger Jordan, CIC
[CONFIRM bio]
Boat
Your association covers the building, but not what’s inside. Condo insurance protects your belongings, improvements, and liability.
Time on the water should be worry-free. Boat coverage protects your vessel, your passengers, and your liability on the lake or coast.
Condo
Motorcycle
Riders need coverage built for the road. Motorcycle insurance protects your bike, your gear, and you after an accident.
Get a Quote
Let's find your coverage.
Tell us a little about what you need to protect. A real person from our Florence team will review it and follow up.
2420 Hoffmeyer Road, Suite D
Florence, SC 29501
Mon–Fri 8:30am – 5:00pm