South Carolina HVAC Contractor Insurance

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

Running an HVAC business in South Carolina means dealing with brutal summers, aging ductwork in historic homes, and the occasional call at 2 a.m. when someone's compressor dies in July. What most contractors don't think about until it's too late is what happens when a job goes wrong: a refrigerant leak damages a customer's hardwood floors, a new install fails six months later, or a technician gets hurt on a ladder. Insurance for South Carolina HVAC contractors isn't just a licensing checkbox. It's the difference between absorbing a $40,000 claim and shutting your doors. Whether you're running a crew out of Columbia or handling residential service calls along the Grand Strand, the right mix of general liability, completed operations coverage, tools and equipment protection, and workers' comp determines how well your business survives the unexpected. This guide breaks down what each policy actually covers, what South Carolina specifically requires, and what you should expect to pay in 2026.

Core Insurance Requirements for South Carolina HVAC Businesses

South Carolina doesn't leave much room for ambiguity on contractor insurance. The state's Contractors' Licensing Board requires HVAC professionals to carry specific coverage before they can legally operate. If you're applying for or renewing a Mechanical Contractor license, you'll need proof of insurance on file, and the minimums aren't optional.


The state also ties your ability to pull permits and bid on commercial jobs directly to your insurance status. Letting a policy lapse, even briefly, can trigger license suspension. For contractors working in coastal areas like Myrtle Beach or Charleston, carriers may also impose wind and hail deductibles that differ from inland policies, so your actual out-of-pocket exposure can vary significantly depending on where you do most of your work.

General Liability: Protecting Against Third-Party Claims

South Carolina HVAC contractors must carry a minimum of $300,000 in general liability insurance to obtain their Mechanical Contractor license. That's the floor, not the ceiling. Most experienced contractors carry $500,000 to $1 million because a single property damage claim from a botched install can easily exceed $300,000.


General liability covers third-party bodily injury and property damage. Think: a homeowner trips over your equipment and breaks a wrist, or a brazing torch scorches a wall during a repair. It also covers advertising injury claims, though those are less common for HVAC businesses. One thing to keep in mind is that general liability does not cover your own employees' injuries or damage to your own tools. Those require separate policies.

SC Workers' Compensation Laws for HVAC Contractors

South Carolina requires workers' compensation insurance for any business with four or more employees, and HVAC work carries classification codes that reflect its physical risk. The workers' comp code for HVAC contractors in South Carolina typically falls under NCCI code 5537 for heating and air conditioning work, which influences your premium rate.


The state's Workers' Compensation Commission updated its maximum weekly compensation rate for 2026, which affects benefit payouts for injured workers. Even if you have fewer than four employees, carrying workers' comp is smart: subcontractors without their own coverage can create liability that rolls uphill to you. Many general contractors won't hire HVAC subs who lack workers' comp, regardless of the legal minimum.

Your CSP agent

Lawson Walker, CIC

Insurance Sales

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

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

Boat and Watercraft Coverage for Weekend Adventures

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


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

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

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

Specialized HVAC Protection: Installation and Completed Operations

Standard general liability gets you through the door, but HVAC work involves two distinct risk windows: during the installation and after you've left the job site. These require specific coverage endorsements that many newer contractors overlook until a claim forces the issue.


A furnace install that causes a house fire three months later isn't covered under a basic general liability policy without completed operations. And a $15,000 mini-split system that falls off the wall during installation? That's a different coverage scenario entirely. Understanding these two phases of risk is critical for any HVAC contractor who does more than basic repairs.

Coverage During the Install: Installation Floaters

An installation floater covers the equipment and materials you're installing from the moment they leave your possession until the job is finished and accepted by the customer. If a storm damages ductwork you've staged outside a new construction site in Florence, or if vandals steal copper line sets overnight, this policy responds.


Standard property insurance usually excludes materials in transit or at a job site. Installation floaters fill that gap. They're especially valuable for commercial HVAC contractors handling large rooftop unit installations where the equipment value alone can run $20,000 to $50,000 per unit.

Completed Operations: Handling Post-Job Failures

Completed operations coverage kicks in after you've finished a job and the customer has taken possession. This is where HVAC contractors face some of their biggest exposure. A heat pump that was improperly charged and fails in February, causing frozen pipes and water damage, can generate claims well into six figures.


This coverage is typically included as part of your general liability policy's products-completed operations aggregate, but you need to verify the limits are adequate. Many carriers set the completed operations aggregate equal to the general liability limit, but some don't. Ask your agent specifically about this, because a $1 million general liability policy with a $500,000 completed operations sub-limit leaves a real gap.

Securing Your Assets: Tools and Equipment Coverage

Your van full of gauges, recovery machines, vacuum pumps, and hand tools represents thousands of dollars in working capital. Lose it to theft or a vehicle fire and you're not just out the replacement cost: you're losing income every day you can't work.


HVAC tools face higher theft risk than many trades because they're portable, valuable, and often left in vehicles overnight. South Carolina's contractor insurance requirements don't mandate tools coverage, but going without it is a gamble most contractors can't afford to lose.

Inland Marine Insurance for Mobile Tools

Despite the name, inland marine insurance has nothing to do with boats. It covers property that moves between locations: exactly the situation HVAC contractors face daily. Your recovery machine, manifold gauges, leak detectors, and power tools are all candidates for this coverage.


Inland marine policies can be written on a scheduled basis (listing each item and its value) or as a blanket policy covering all tools up to a set limit. Scheduled policies cost less but require you to update the list when you buy new equipment. Blanket policies cost a bit more but save you the hassle. For most HVAC contractors, a blanket limit between $10,000 and $50,000 covers the typical tool inventory.

Rented and Borrowed Equipment Protection

If you rent a crane for rooftop unit placement or borrow a specialized brazing rig from another contractor, your standard inland marine policy probably won't cover it. Rented equipment coverage, sometimes called a rental reimbursement endorsement, protects you from paying full replacement cost if rented gear is damaged or stolen while in your care.


Rental companies often offer their own damage waivers, but these tend to be overpriced relative to what you'd pay through your own policy. Check with your insurance agent before accepting a rental company's waiver: you might already have coverage, or you can add it for a fraction of the cost.

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

Comparing Coverage Needs: Basic vs. Comprehensive Packages

Not every HVAC business needs the same insurance stack. A solo technician doing residential service calls has different exposure than a 20-person company handling commercial new construction. The table below outlines what a basic package covers versus a more comprehensive setup.

Table: Essential vs. Extended HVAC Coverage Comparison

Coverage Type Basic Package Comprehensive Package
General Liability $300,000 (state minimum) $1,000,000 per occurrence
Workers' Compensation Required with 4+ employees Carried regardless of crew size
Completed Operations Included at minimum limits Higher aggregate, longer tail
Tools & Equipment No coverage or minimal Blanket inland marine up to $50,000
Installation Floater Not included Covers materials in transit and on-site
Rented Equipment Not included Included with agreed limits
Commercial Auto State minimum (25/50/25) Higher limits with hired/non-owned auto
Umbrella Policy Not included $1M-$2M excess liability

A basic package might cost $2,500 to $4,000 annually, while a comprehensive setup for a mid-size HVAC company can run $8,000 to $15,000 or more. The right answer depends on your revenue, crew size, and the types of jobs you take.

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.

Average Costs and Factors Influencing Your Premium

HVAC contractor insurance costs in South Carolina vary widely, but some ballpark numbers help with planning. General liability alone typically costs between $500 and $2,500 per year for small HVAC operations, depending on revenue and claims history. Workers' compensation adds another $1,500 to $5,000 annually for a small crew, with rates tied to your payroll and experience modification factor.


The average cost of contractor insurance in South Carolina tends to be slightly lower than the national average, partly because the cost of living is lower and partly because the state's regulatory environment is relatively stable. That said, coastal contractors between Myrtle Beach and Hilton Head often pay 10-20% more due to hurricane and wind exposure.


Factors that push your premium up or down include your claims history, annual revenue, number of employees, whether you do residential or commercial work, and how long you've been in business. A clean claims record over three to five years can earn you significant discounts. Conversely, even one large claim can spike your rates for years.

Boat and Watercraft Coverage for Weekend Adventures

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


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

Boat and Watercraft Coverage for Weekend Adventures

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


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

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

Common Questions About HVAC Insurance in South Carolina

FAQ: Do I need insurance if I'm just a one-man shop?

Yes. South Carolina requires general liability insurance for any contractor holding a Mechanical Contractor license, regardless of business size. You won't legally be able to obtain or renew your license without proof of coverage on file.

FAQ: How much general liability coverage is standard for SC contractors?

The state minimum is $300,000, but most contractors carry $500,000 to $1 million. If you're bidding on commercial projects or working as a subcontractor, the general contractor will almost certainly require $1 million per occurrence.

FAQ: Does my auto insurance cover my HVAC tools if they're stolen?

Usually not, or only up to a very small limit (often $500 or less). Personal auto policies rarely cover business tools, and even commercial auto policies typically exclude tool theft unless you add inland marine coverage. Don't assume you're covered: check your policy language.

FAQ: Can I get insurance before I have my mechanical contractor license?

Yes, and in fact you'll need to. South Carolina's licensing process requires proof of insurance as part of your application, so you'll need to secure a policy before you receive your license. Most carriers are familiar with this sequence and can issue a policy contingent on your license application being in process.

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 HVAC Business

Getting your insurance right isn't a one-time decision. As your HVAC business grows, takes on bigger projects, or adds employees, your coverage needs shift. What worked when you were running solo service calls out of Rock Hill won't protect a ten-person crew handling commercial installs across the Midlands.


The smartest move is working with an independent agency that can compare policies across multiple carriers rather than locking you into one company's options. CSP Insurance Services has been helping South Carolina contractors build the right coverage since 1939, and their team understands the specific risks HVAC businesses face in this state: from coastal wind exposure to the liability gaps that come with completed operations work.


If you're starting a new HVAC business, expanding your current operation, or just haven't reviewed your coverage in a while, now is the time. Reach out to CSP's team to request a quote and get a clear picture of where you stand. A 15-minute conversation with someone who actually knows HVAC insurance beats guessing at what you need.

About the author

Lawson Walker, CIC

I'm proud to be part of an agency that's served Florence since 1939. CSP Insurance Services started as Cormell-Streett & Patterson, built by people who believed insurance should be personal — and more than eight decades later, that conviction still drives everything we do. Commitment, Service, Protection isn't just what CSP stands for; it's how I approach every client relationship.


As an independent, Trusted Choice agency, we aren't tied to any single carrier. That means I work for you — shopping multiple companies to match you with coverage that actually fits your family, your business, and your budget. No call centers, no chatbots. Just a local expert who takes the time to understand what matters to you and stands by you when it counts.


Whether you're protecting your home, your car, or a business you've spent years building, I'd be glad to help you find the right coverage.

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

◆

80+ years local experience

1939

Serving SC

Meet Richard

Most Requested

Core business coverage.

The policies most South Carolina businesses start with.

Commercial Property

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

Workers Compensation

Required for most South Carolina employers with staff. It covers medical bills and lost wages when an employee is hurt on the job.

Commercial Auto

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

General Liability

Accidents happen on the job and on your property. General liability covers third-party injury and property damage claims against your business.

Inland Marine

Tools, equipment, and goods on the move aren’t covered by standard property policies. Inland marine protects them wherever they travel.

Business Owners (BOP)

A business owners policy bundles property and liability coverage into one package, often at a better price for small businesses.

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

◆

80+ years local experience

1939

Serving SC

Insurance Sales

J. Roger Jordan, CIC

Meet Richard

[CONFIRM bio]

Personal Insurance

Coverage for your home, vehicles, and family.

Protect what matters most with personal policies shopped across our carriers.

Home

Your house is likely your largest investment. Home insurance helps rebuild after covered damage and protects you from liability.

Auto

South Carolina drivers need real protection. Auto coverage handles liability, collision, medical costs, and uninsured drivers.

Umbrella

When a serious claim climbs past your home or auto limits, umbrella coverage adds an extra layer of liability protection.

Boat

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

Motorcycle

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

Condo

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

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

◆

80+ years local experience

1939

Serving SC

Insurance Sales

J. Roger Jordan, CIC

Meet Richard

[CONFIRM bio]

Get a Quote

Boat

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

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

Condo

Get a Quote

Motorcycle

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

Get a Quote

Industries We Serve

Specialized coverage for your industry.

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

Restaurants

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

Manufacturers

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

Healthcare Providers

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

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

◆

80+ years local experience

1939

Serving SC

Commercial Property

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

Meet Richard View all business coverage Get a Quote

Commercial Auto

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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.

South Carolina Workers' Compensation Requirements for Employers: The 4-Employee Rule and Exemptions

South Carolina Workers' Compensation Requirements for Employers: The 4-Employee Rule and Exemptions in 2026

21 September 2026
South Carolina workers' comp requirements for 2026 explained: the 4-employee rule, exemptions, contractor classification, penalties, and compliance.
Term vs. Whole Life Insurance in South Carolina: How Much Coverage Costs and Which to Choose

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Compare term vs. whole life insurance in South Carolina, including costs, coverage options, regulations, and tips to choose the right policy for your family.
How Much Does Business Insurance Cost for a Small Business in Florence, SC?

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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.

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

◆

80+ years local experience

1939

Serving SC

Insurance Sales

J. Roger Jordan, CIC

Meet Richard

[CONFIRM bio]

Get a Quote

Boat

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

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

Condo

Get a Quote

Motorcycle

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

Get a Quote

Get a Quote

Let's find your coverage.

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

2420 Hoffmeyer Road, Suite D
Florence, SC 29501

Mon–Fri 8:30am – 5:00pm