CSP Insurance Services was founded in 1939, when Clifford Cormell joined Earnest Streett to sell insurance in Florence. More than 80 years later, we still answer the phone ourselves. No call centers, no chatbots — just a local team that knows your name and your policy.

We compare several carriers to find a policy that fits you, not one company's products.

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80+ years local experience

Hospital bills, treatment, and prescriptions for a work-related injury or illness.

Medical expenses

Claims history

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

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

Greer sits in a sweet spot of the South Carolina Upstate: close enough to Greenville for convenience, but with its own identity, its own neighborhoods, and its own set of insurance challenges. If you own a home here, you already know the area is growing fast. What you might not know is how that growth, combined with local weather patterns and shifting carrier appetites, shapes what you'll pay for coverage and what gaps you might be carrying without realizing it. This guide to home insurance for Greer homeowners covers the local risks, carrier preferences, and coverage details that actually matter for your property. Whether you bought a new build near Riverside or you're in a decades-old home off Trade Street, the right policy depends on specifics that generic advice won't address. The Upstate has its own insurance personality, and understanding it can save you real money while keeping you properly protected.

Understanding the Greer Housing Market and Insurance Landscape

Greer's population has grown steadily over the past decade, and the housing market reflects that momentum. New subdivisions continue popping up along Highway 14 and near the Inland Port area, while older neighborhoods maintain steady demand. That mix of old and new construction creates a wide range of insurance scenarios within a single zip code.

Local Property Value Trends in the Upstate

Home values in Greer have climbed significantly since 2020, with median sale prices rising roughly 30-40% in many neighborhoods. That appreciation is great for equity, but it means your dwelling coverage limit from three or four years ago might be dangerously low. Replacement cost, not market value, is what your insurer uses to determine your payout after a total loss, and construction costs in the Upstate have risen sharply thanks to labor shortages and material price increases.


If you haven't reviewed your dwelling limit recently, you could be underinsured by tens of thousands of dollars. A good rule of thumb: your dwelling coverage should reflect what it would cost to rebuild your home from the ground up at current prices, not what you paid for it.

The Impact of Greer's Geography on Insurance Rates

Greer benefits from being inland, which means you're not paying the coastal premiums that homeowners in Myrtle Beach or Charleston face. The average annual premium for homeowners insurance in South Carolina runs approximately $3,100 for a $250,000 dwelling, but Upstate homeowners typically pay less than that statewide average. Your exact rate depends on your home's age, roof condition, proximity to a fire station, and claims history.


That said, Greer isn't immune to weather-related losses. The foothills geography means you're exposed to severe thunderstorms, and elevation changes across the area create localized flood risks that many homeowners underestimate.

Your CSP agent

Lawson Walker, CIC

Insurance Sales

CSP Insurance Services is a fully licensed independent insurance agency serving individuals, families, and businesses across South Carolina.

From our home in Florence, we proudly serve clients in Florence, Myrtle Beach, Rock Hill, Columbia, and communities throughout South Carolina. As an independent Trusted Choice agency, our team works with a wide range of top-rated carriers to provide personal and commercial coverage — home, auto, business, life, and more — tailored to the real needs of the people and businesses we protect.

Fine Arts and High-Value Specialized Goods

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

Boat and Watercraft Coverage for Weekend Adventures

Your homeowners policy might cover a small kayak or canoe, but anything with a motor typically needs its own policy. Boat insurance covers physical damage to the vessel, liability for injuries or property damage you cause on the water, and sometimes towing and salvage costs.


Lake-specific risks differ from coastal ones. A boat kept at Myrtle Beach faces saltwater corrosion, hurricane exposure, and higher theft rates than one stored at a private dock on Lake Wateree. Your policy should reflect where you keep and operate the boat. An independent agency like CSP Insurance Services can compare quotes across multiple marine carriers to find coverage that actually matches your boating habits rather than forcing you into a one-size-fits-all plan.

Feature Admitted (Standard) Carriers Non-Admitted (E&S) Carriers
State regulation Fully regulated; rates filed with state Exempt from rate filing; flexible pricing
Guaranty fund protection Yes: state fund covers claims if carrier fails No: no guaranty fund backstop
Policy forms Standardized (ISO forms common) Manuscript or custom forms
Risk appetite Prefers low-to-moderate risk Accepts high-risk and unusual exposures
Premium cost Generally lower Typically 20-75% higher
Surplus lines tax Not applicable Buyer pays state surplus lines tax (varies 2-5%)
Speed of placement Standard timelines Can be faster or slower depending on complexity

Computer Equipment and Data Storage

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

Specific Risks Facing Greer Homeowners

Every region has its hazards, and Greer's are distinct from what coastal South Carolina deals with. Understanding these risks helps you choose coverage that actually protects you rather than just checking a box.

Severe Weather: Wind, Hail, and Summer Storms

Greer and the surrounding Upstate see their share of severe thunderstorms from late spring through early fall. Hail damage is one of the most common homeowners insurance claims in the area, particularly for roofs. A single hailstorm can cause thousands of dollars in damage to shingles, gutters, and siding, and many homeowners don't notice until a leak develops months later.


Wind damage from straight-line storms is another frequent concern. Unlike hurricanes, which give you days of warning, these storms can develop in hours. Your standard HO-3 policy covers wind and hail, but pay close attention to your deductible. Some carriers apply a separate wind/hail deductible that's a percentage of your dwelling coverage (often 1-2%) rather than a flat dollar amount. On a $300,000 home, a 2% wind/hail deductible means you're paying the first $6,000 out of pocket.

Flood Risks Near the Enoree and Tyger Rivers

Here's something that catches Greer homeowners off guard: standard home insurance does not cover flood damage. Period. If your home sits anywhere near the Enoree River, Tyger River, or their tributaries, you need a separate flood policy. Even homes outside FEMA-designated flood zones can flood during heavy rain events, and the SC Department of Insurance regularly issues bulletins and consumer alerts reminding residents to evaluate their flood exposure.


A separate NFIP or private flood policy typically costs between $400 and $1,500 annually for Upstate properties, depending on your zone and elevation. That's a small price compared to the $30,000-$50,000 average flood claim.


Winter Freeze and Pipe Burst Concerns

The Upstate gets cold enough in January and February to freeze pipes, particularly in crawl spaces and exterior walls. Pipe burst claims are among the most expensive water damage events, often running $10,000 to $20,000 or more when you factor in drywall, flooring, and mold remediation. Your homeowners policy generally covers sudden pipe bursts, but not gradual leaks or maintenance failures.


Older homes in Greer, especially those built before the 1980s with galvanized or polybutylene plumbing, are at higher risk. If your home has outdated plumbing, some carriers may exclude water damage or require you to replumb before they'll offer full coverage.

Factors That Influence Your Premium Costs

Several variables drive what you'll pay:


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


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

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

Essential Home Insurance Coverage Types

Not all homeowners policies are created equal, and the differences between policy forms matter more than most people realize.

Comparison: Standard HO-3 vs. Comprehensive HO-5 Policies

Most Greer homeowners carry an HO-3 policy, which is the industry standard. But an HO-5 offers broader protection that's worth considering, especially for higher-value homes.

Feature HO-3 (Standard) HO-5 (Comprehensive)
Dwelling Coverage Open perils (covers everything unless specifically excluded) Open perils
Personal Property Named perils only (covers only listed causes of loss) Open perils (much broader)
Typical Cost Difference Base rate 5-15% higher premium
Best For Budget-conscious homeowners Homeowners with valuable belongings
Claims Burden of Proof You prove the cause of loss for personal property Insurer must prove an exclusion applies

The key difference is how your personal belongings are covered. With an HO-3, if your laptop gets damaged by something not on the named perils list, you're out of luck. An HO-5 flips that burden: the insurer has to prove the damage is excluded. For homeowners with significant personal property, that distinction is worth the premium increase. You can estimate what your specific premium might look like using online calculators, though nothing replaces a personalized quote.

Boat and Watercraft Coverage for Weekend Adventures

Your homeowners policy might cover a small kayak or canoe, but anything with a motor typically needs its own policy. Boat insurance covers physical damage to the vessel, liability for injuries or property damage you cause on the water, and sometimes towing and salvage costs.


Lake-specific risks differ from coastal ones. A boat kept at Myrtle Beach faces saltwater corrosion, hurricane exposure, and higher theft rates than one stored at a private dock on Lake Wateree. Your policy should reflect where you keep and operate the boat. An independent agency like CSP Insurance Services can compare quotes across multiple marine carriers to find coverage that actually matches your boating habits rather than forcing you into a one-size-fits-all plan.

Boat and Watercraft Coverage for Weekend Adventures

Your homeowners policy might cover a small kayak or canoe, but anything with a motor typically needs its own policy. Boat insurance covers physical damage to the vessel, liability for injuries or property damage you cause on the water, and sometimes towing and salvage costs.


Lake-specific risks differ from coastal ones. A boat kept at Myrtle Beach faces saltwater corrosion, hurricane exposure, and higher theft rates than one stored at a private dock on Lake Wateree. Your policy should reflect where you keep and operate the boat. An independent agency like CSP Insurance Services can compare quotes across multiple marine carriers to find coverage that actually matches your boating habits rather than forcing you into a one-size-fits-all plan.

Feature Admitted (Standard) Carriers Non-Admitted (E&S) Carriers
State regulation Fully regulated; rates filed with state Exempt from rate filing; flexible pricing
Guaranty fund protection Yes: state fund covers claims if carrier fails No: no guaranty fund backstop
Policy forms Standardized (ISO forms common) Manuscript or custom forms
Risk appetite Prefers low-to-moderate risk Accepts high-risk and unusual exposures
Premium cost Generally lower Typically 20-75% higher
Surplus lines tax Not applicable Buyer pays state surplus lines tax (varies 2-5%)
Speed of placement Standard timelines Can be faster or slower depending on complexity

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


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

The Role of Consent-to-Settle Clauses

Errors and Omissions (E&O) for Design Flaws

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


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

Carrier Appetite and Finding the Right Local Provider

"Carrier appetite" is an industry term for what types of homes and risks an insurance company wants to write. Not every carrier is eager to insure every home in Greer, and understanding why helps you shop smarter.

Why Some Companies Prefer Newer Construction in Greer

Insurance companies love new construction. Homes built after 2005 typically have updated electrical systems, modern plumbing, impact-resistant roofing, and meet current building codes. These factors translate to fewer claims, which means carriers compete aggressively for that business with lower rates.


Older homes, particularly those with original roofs over 15 years old, outdated wiring (like aluminum or knob-and-tube), or polybutylene plumbing, face a tighter market. Some national carriers won't write them at all. Others will, but at significantly higher premiums or with coverage restrictions. This is where working with an independent agency like CSP Insurance Services makes a real difference: they can shop across multiple carriers to find one that's actually willing to compete for your business, rather than being stuck with whatever one captive company offers.

Evaluating Credit Scores and Claims History

South Carolina allows insurers to use credit-based insurance scores when setting premiums, and the impact is significant. A homeowner with excellent credit might pay 30-40% less than someone with poor credit for the same coverage on the same house. The state legislature has examined how insurance scoring affects rate-setting.%20Matt%20Overturf%20and%20Gina%20Rotunno.pdf), and it remains a key factor carriers weigh.


Your claims history matters just as much. Filing two or more claims within a five-year window can make you a tough placement. Even claims at a previous address follow you through the CLUE (Comprehensive Loss Underwriting Exchange) report. Before you file a small claim, consider whether the payout is worth the potential premium increase: for claims under $2,000, it often isn't.

Specialty Lines: Flood, Earthquake, and Valuable Items

Flood insurance is a separate policy, typically written through FEMA's National Flood Insurance Program or a private carrier. If your home sits in a designated flood zone anywhere along the SC coast or near inland rivers, your mortgage lender will require it. But even homes outside mapped flood zones can flood: roughly 25% of flood claims come from properties in low-to-moderate risk areas.


Earthquake coverage is less common in South Carolina, but the state sits near the Charleston fault zone, which produced a magnitude 7.3 quake in 1886. A rider or standalone earthquake policy is worth considering if you're in the Lowcountry.


Scheduled personal property endorsements cover high-value items like jewelry, art, firearms, or musical instruments that exceed standard policy sub-limits. Most homeowners policies cap jewelry coverage at $1,500-$2,500 per item. If your engagement ring is worth $8,000, you need a scheduled endorsement or inland marine floater to cover the difference.

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

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


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


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


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


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


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

Factors That Influence Your Monthly Premiums

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


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

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

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

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


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

Does general liability cover fuel spills?

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

Common Questions About Greer Home Insurance

How much does home insurance cost in Greer compared to the rest of South Carolina? Greer homeowners generally pay less than the statewide average because inland properties avoid coastal wind surcharges. Expect to pay somewhere between $1,800 and $3,000 annually for a typical single-family home, depending on age, condition, and coverage limits.


Does my homeowners policy cover tornado damage? Yes. Tornado damage falls under wind coverage in your standard policy. Just watch your wind/hail deductible, which may be a percentage rather than a flat amount.


Do I need flood insurance if I'm not in a flood zone? About 25% of all flood claims come from properties outside high-risk zones. If you're near any creek, river, or low-lying area in Greer, a flood policy is worth serious consideration.


Will my rates go up if I file a claim? Usually, yes. Most carriers apply a surcharge after a claim, and it typically lasts three to five years. Small claims under your deductible obviously aren't filed, but even inquiry calls can sometimes be recorded.


What discounts are available for Greer homeowners? Common discounts include bundling home and auto, having a monitored security system, installing impact-resistant roofing, being claims-free for three or more years, and maintaining a newer roof. Some carriers also discount homes near fire hydrants or within a certain distance of a fire station.


How often should I review my policy? At least once a year, or whenever you make significant home improvements. Adding a deck, finishing a basement, or upgrading a kitchen can all increase your replacement cost. You can also watch a helpful breakdown of policy review basics to understand what to look for.

Boat and Watercraft Coverage for Weekend Adventures

Your homeowners policy might cover a small kayak or canoe, but anything with a motor typically needs its own policy. Boat insurance covers physical damage to the vessel, liability for injuries or property damage you cause on the water, and sometimes towing and salvage costs.


Lake-specific risks differ from coastal ones. A boat kept at Myrtle Beach faces saltwater corrosion, hurricane exposure, and higher theft rates than one stored at a private dock on Lake Wateree. Your policy should reflect where you keep and operate the boat. An independent agency like CSP Insurance Services can compare quotes across multiple marine carriers to find coverage that actually matches your boating habits rather than forcing you into a one-size-fits-all plan.

Boat and Watercraft Coverage for Weekend Adventures

Your homeowners policy might cover a small kayak or canoe, but anything with a motor typically needs its own policy. Boat insurance covers physical damage to the vessel, liability for injuries or property damage you cause on the water, and sometimes towing and salvage costs.


Lake-specific risks differ from coastal ones. A boat kept at Myrtle Beach faces saltwater corrosion, hurricane exposure, and higher theft rates than one stored at a private dock on Lake Wateree. Your policy should reflect where you keep and operate the boat. An independent agency like CSP Insurance Services can compare quotes across multiple marine carriers to find coverage that actually matches your boating habits rather than forcing you into a one-size-fits-all plan.

Feature Admitted (Standard) Carriers Non-Admitted (E&S) Carriers
State regulation Fully regulated; rates filed with state Exempt from rate filing; flexible pricing
Guaranty fund protection Yes: state fund covers claims if carrier fails No: no guaranty fund backstop
Policy forms Standardized (ISO forms common) Manuscript or custom forms
Risk appetite Prefers low-to-moderate risk Accepts high-risk and unusual exposures
Premium cost Generally lower Typically 20-75% higher
Surplus lines tax Not applicable Buyer pays state surplus lines tax (varies 2-5%)
Speed of placement Standard timelines Can be faster or slower depending on complexity

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


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

The Role of Consent-to-Settle Clauses

Errors and Omissions (E&O) for Design Flaws

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


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

Making the Right Choice for Your Property

Getting home insurance right in Greer means more than picking the cheapest quote. It means understanding what your home actually needs: the right dwelling limit based on current construction costs, appropriate deductibles you can afford out of pocket, and endorsements for risks your standard policy doesn't cover (like flood or sewer backup).


The smartest approach is working with someone who knows the local market and can compare options across multiple carriers. CSP Insurance Services has been helping South Carolina homeowners since 1939, and their independent model means they're not locked into one company's products. They can match your specific home, whether it's a 1960s ranch or a 2024 new build, with a carrier that actually wants to write it at a competitive price.


If you're buying a new home in Greer, renewing a policy you haven't looked at in years, or just wondering if you're overpaying, take 10 minutes to request a quote and see where you stand. A quick conversation with an actual person, not a chatbot, can reveal coverage gaps and savings you didn't know existed.

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.

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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.

Get a Quote

Industries We Serve

Specialized coverage for your industry.

Every industry carries its own risk. We help South Carolina businesses protect what they've built.

Restaurants

Kitchens, customers, and staff create daily exposure. We protect your property, equipment, liquor liability, and employees.

Manufacturers

From equipment breakdown to product liability, manufacturers face risk on the floor and beyond. We help cover property, machinery, and goods.

Healthcare Providers

Practices and clinics carry patient, property, and professional risk. We help cover liability, equipment, and the people who run your practice.

We compare several carriers to find a policy that fits you, not one company's products.

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80+ years local experience

1939

Serving SC

Commercial Property

Protect the building, equipment, and inventory your business runs on, so a covered fire, theft, or storm doesn’t become a closed door.

Meet Richard View all business coverage Get a Quote

Commercial Auto

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Cars, trucks, and fleets used for work need more than a personal policy. This handles liability, damage, and your drivers.

How It Works

Getting covered is simple.

Four steps, one real person from start to finish.

Tell us about you

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

We compare carriers

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

We recommend coverage

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

You get covered

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

We compare several carriers to find a policy that fits you, not one company's products.

Multi-carrier choice

Claims advocacy

When a claim happens, we stand in your corner and help move it forward with your carrier.

Local SC roots

We live and work in Florence and understand the risks your community faces because we face them too.

Client Reviews

Why clients choose CSP.

Independent advice, real people, and decades of local roots.

We compare several carriers to find a policy that fits you, not one company's products.

◆

80+ years local experience

1939

Serving SC

Insurance Sales

J. Roger Jordan, CIC

Meet Richard

[CONFIRM bio]

Get a Quote

Boat

Your association covers the building, but not what’s inside. Condo insurance protects your belongings, improvements, and liability.

Time on the water should be worry-free. Boat coverage protects your vessel, your passengers, and your liability on the lake or coast.

Condo

Get a Quote

Motorcycle

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

Get a Quote

FAQs

Questions, answered.

Straight answers about working with an independent agency.

  • What does an independent insurance agency do?

    An independent agency represents several carriers instead of one. We compare coverage and pricing across companies, then recommend the policy that fits you best.

  • Do you cover both personal and business insurance?

    Yes. CSP writes personal lines like home and auto, and commercial lines for businesses across South Carolina.

  • How long has CSP been in business?

    CSP traces its roots to 1939, with more than 80 years serving South Carolina families and businesses.

  • Will I work with a real person?

    Always. No call centers and no chatbots — you work with a local team member who knows your account.

  • Which areas do you serve?

    We’re based in Florence and serve clients statewide, including Myrtle Beach, Rock Hill, and Columbia.

  • How do I get a quote?

    Request a quote online, call us, or stop by the office. A real person will review your needs and follow up.

How It Works

Insurance tips & updates.

Plain-language guidance to help you make confident decisions.

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

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

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

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

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

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

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

We compare several carriers to find a policy that fits you, not one company's products.

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80+ years local experience

1939

Serving SC

Insurance Sales

J. Roger Jordan, CIC

Meet Richard

[CONFIRM bio]

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Boat

Your association covers the building, but not what’s inside. Condo insurance protects your belongings, improvements, and liability.

Time on the water should be worry-free. Boat coverage protects your vessel, your passengers, and your liability on the lake or coast.

Condo

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Motorcycle

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

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Let's find your coverage.

Tell us a little about what you need to protect. A real person from our Florence team will review it and follow up.

2420 Hoffmeyer Road, Suite D
Florence, SC 29501

Mon–Fri 8:30am – 5:00pm