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.
◆
80+ years local experience
Hospital bills, treatment, and prescriptions for a work-related injury or illness.
Medical expenses
Claims history
Commercial Property for Specialized Equipment
A standard property policy covers your building (if you own it), furniture, and general inventory. But hearing aid centers have specialized equipment that needs proper valuation: audiometers, tympanometers, real-ear measurement systems, and programming hardware can easily total $50,000 to $100,000 or more.
Make sure your property policy covers replacement cost rather than actual cash value. A five-year-old audiometer that cost $15,000 new might have a depreciated value of $5,000, but replacing it still costs $15,000. South Carolina coastal practices should also pay attention to wind and hail exclusions, which are common in standard policies near Myrtle Beach and other coastal areas. You may need a separate windstorm policy through the SC Wind and Hail Underwriting Association.
A single missed alarm signal can mean a break-in, a fire, or worse. When that happens, the first question isn't about the criminal or the homeowner: it's about your company and whether you had the right coverage in place. Alarm and security businesses face a unique blend of risks that most standard commercial policies simply don't address. From the technician climbing a ladder to wire a sensor to the monitoring center processing thousands of signals a night, every part of the operation carries liability that can spiral fast.
This guide to alarm company insurance covers the essential policies you need, from general liability and workers comp to commercial auto and specialized protections built specifically for the security industry. Whether you run a two-person installation crew out of Florence or manage a growing monitoring operation near Myrtle Beach, understanding what each policy actually does, and where the gaps hide, can be the difference between surviving a claim and shutting your doors. South Carolina doesn't make it easy either, with its own regulatory requirements, coastal exposure risks, and minimum coverage thresholds that every alarm company owner needs to know cold.
Why Alarm and Security Companies Need Specialized Coverage
Most general contractors can get by with a fairly standard commercial package. Alarm companies can't. The reason is simple: your business creates a promise. You're telling customers that their property and families are protected. When something goes wrong, whether it's a faulty sensor, a delayed response, or a missed signal, the liability doesn't just fall on the equipment. It falls on you.
A standard general liability policy won't cover a claim where your monitoring system failed to dispatch during a burglary. That's a professional liability issue, and it requires a separate, industry-specific policy. The same goes for the data you handle. Modern alarm systems are IP-connected, cloud-monitored, and packed with customer information. A data breach at your monitoring center creates an entirely different category of exposure.
South Carolina alarm companies also face geographic risks that companies in landlocked states don't think twice about. Coastal wind and hurricane damage can destroy installed equipment, and flood zone considerations near Myrtle Beach or Charleston affect both your office and your clients' systems. Your insurance needs to account for all of it: not just the work you do, but the environment you do it in.
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 |
| Feature | Basic Liability Only | Full Coverage |
|---|---|---|
| Bodily injury liability | State minimum (25/50) | Higher limits (100/300+) |
| Property damage liability | $25,000 | $100,000+ |
| Collision (your vehicle) | Not included | Included |
| Comprehensive (theft, weather) | Not included | Included |
| Uninsured motorist | Optional | Typically included |
| Rental car reimbursement | Not included | Often included |
| Typical annual cost (SC) | $600-$900 | $1,400-$2,200 |
The price difference is real, but so is the coverage gap. If you're financing or leasing a vehicle, your lender will require full coverage anyway.
| Feature | HMO | PPO | HDHP with HSA |
|---|---|---|---|
| Network Flexibility | Must use in-network providers; referrals needed | In-network and out-of-network options | Broad network; works like PPO |
| Monthly Premiums | Lowest | Highest | Moderate |
| Out-of-Pocket Costs | Low copays | Moderate copays/coinsurance | High deductible before coverage kicks in |
| Best For | Employees who want low costs and don't mind restrictions | Employees who want provider choice | Younger, healthier employees; tax-savvy savers |
| HSA Eligible | No | No | Yes |
Core Insurance Policies for Your Business
Every alarm company needs a foundation of three core policies. These aren't optional, and in most cases, South Carolina law or your contracts with clients will require them. Think of these as the floor, not the ceiling.
General Liability and the Failure to Facilitate Clause
General liability insurance covers bodily injury and property damage claims that arise from your operations. If a technician accidentally damages a client's wall during installation, or a customer trips over equipment left in a hallway, GL responds.
But here's where alarm companies get tripped up: the "failure to facilitate" clause. Most standard GL policies exclude claims arising from your failure to perform your core service. If your alarm system doesn't go off during a break-in and the homeowner sues, a basic GL policy will likely deny that claim. You need a policy that either removes that exclusion or pairs with a professional liability policy that picks up where GL leaves off. California, for example, requires alarm company operators organized as LLCs to maintain a minimum general aggregate liability limit of $1,000,000. South Carolina has its own licensing requirements, and your contracts with commercial clients often demand even higher limits.
Workers Compensation for Field Technicians
Alarm installation is physical work. Your technicians climb ladders, crawl through attics, pull wire through walls, and work on rooftops. Injuries happen, and in South Carolina, any business with four or more employees is required to carry workers comp.
The classification codes matter here. Alarm installation technicians typically fall under specific workers comp class codes that reflect the physical nature of the job, and those codes directly affect your premium. A monitoring center employee sitting at a desk will carry a much lower rate than a field tech. Make sure your policy separates these classifications correctly, or you'll overpay significantly. Workers comp rates vary by state, and Florida's market offers a useful comparison: costs there depend heavily on payroll and classification, similar to how South Carolina calculates premiums.
Commercial Auto for Service Vehicles
Your vans and trucks are rolling billboards, mobile workshops, and daily transportation for your crew. South Carolina requires minimum auto liability of 25/50/25, meaning $25,000 per person, $50,000 per accident for bodily injury, and $25,000 for property damage. That minimum is dangerously low for a commercial operation.
A single serious accident involving one of your branded vehicles can easily exceed those limits. Most alarm companies should carry at least $1 million in combined single-limit coverage. If your technicians use personal vehicles for work, you'll also need hired and non-owned auto coverage, because your personal auto policy won't cover claims that arise during business use.
| Feature | Basic Coverage | Extended Coverage |
|---|---|---|
| Liability | State minimums (25/50/25 in SC) | $500K-$1M+ limits |
| Collision | Often excluded or high deductible | Included with lower deductible |
| Comprehensive | May be excluded | Included (theft, weather, vandalism) |
| HNOA | Not included | Typically included |
| Uninsured Motorist | State minimum only | Higher limits available |
| Roadside/Towing | Not included | Available as add-on |
| Rental Reimbursement | Not included | Available as add-on |
For a restaurant owner in Florence with one delivery vehicle, basic coverage might seem sufficient. But if that driver causes a serious injury, the state minimum liability won't come close to covering the medical bills and legal costs. Extended coverage costs more upfront but prevents the kind of catastrophic out-of-pocket expense that closes businesses.
More hearing aid centers are offering in-home fitting and testing services, especially for elderly or mobility-limited patients. If any employee drives a company vehicle, or even their personal car, for business purposes, your personal auto policy won't cover accidents that happen during work-related trips.
A commercial auto policy covers liability, collision, and comprehensive damage for vehicles used in your business operations. South Carolina's minimum auto liability limits are 25/50/25 ($25,000 per person, $50,000 per accident for bodily injury, $25,000 for property damage), but most businesses should carry significantly higher limits. A serious accident during a house call could easily exceed those minimums.
Commercial Auto for Mobile Services
Industry-Specific Protection: Professional Liability and Errors & Omissions
This is where alarm company coverage diverges sharply from other trades. Professional liability, often called errors and omissions (E&O) insurance, covers claims that stem from your professional services: the design, installation, and monitoring of security systems.
A real-world example: your company installs a fire alarm system in a commercial building. Six months later, a small kitchen fire breaks out. The alarm doesn't activate because of a wiring error during installation. The fire spreads, causing $400,000 in damage. The building owner's insurance company comes after you. Your general liability policy points to the professional services exclusion. Without E&O coverage, you're paying that claim out of pocket.
E&O policies for alarm companies also cover claims related to system design failures, incorrect equipment recommendations, and monitoring errors. If you provide 24/7 monitoring services, this policy is non-negotiable. The premiums are typically based on your annual revenue and the types of services you offer, with monitoring companies paying more than installation-only firms.
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 Policy Types and Coverage Levels
Understanding the difference between general liability and professional liability is one of the most common points of confusion for alarm company owners. They sound similar, but they protect against very different things.
Comparison Chart: General Liability vs. Professional Liability
| Feature | General Liability | Professional Liability (E&O) |
|---|---|---|
| Covers | Bodily injury, property damage from operations | Errors in professional services |
| Example Claim | Customer slips on cable during install | Alarm fails to activate during break-in |
| Typical Limit | $1M per occurrence / $2M aggregate | $1M per claim / $2M aggregate |
| Required By | SC licensing, most client contracts | Client contracts, especially commercial |
| Excludes | Professional service failures | Bodily injury, property damage |
| Cost Range (Annual) | $800 - $3,500 | $1,200 - $5,000+ |
The key takeaway from this chart: you need both. They don't overlap. A claim denied by one policy is often exactly the type of claim the other was designed to cover. An independent agency like CSP Insurance Services can help you compare options from multiple carriers to make sure neither policy has exclusions that leave you exposed, which is particularly valuable since alarm company policies aren't one-size-fits-all.
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.
ERISA Requirements for Life Insurance Plans
If you offer employer-paid group life insurance, your plan almost certainly falls under the Employee Retirement Income Security Act. ERISA requires you to provide employees with a Summary Plan Description that explains benefits, eligibility, and claims procedures in plain language. You also need to file Form 5500 annually with the Department of Labor if your plan covers 100 or more participants. The ERISA compliance checklist for employers includes maintaining a written plan document, designating a plan fiduciary, and following proper claims and appeals procedures. Skipping any of these steps creates real liability.
South Carolina doesn't have its own mini-ERISA statute, so federal rules govern most employer-sponsored plans. But the SC Department of Insurance does regulate the carriers themselves, so make sure your insurer is licensed to operate in the state. Employers who fail to meet ERISA's fiduciary standards can face personal liability, not just corporate penalties.
Additional Coverage for Growth and Risk Mitigation
As your alarm company grows, so do your risks. Two coverage types deserve serious attention from any security company operating in 2026.
Cyber Liability for Monitoring Data
If you operate a monitoring center or store customer data, including names, addresses, access codes, and payment information, you're a target. Cyber liability insurance covers the costs of a data breach: notification expenses, credit monitoring for affected customers, legal defense, and regulatory fines.
South Carolina adopted the Insurance Data Security Act, which imposes specific cybersecurity requirements on licensees. Even if your company isn't directly regulated under that act, a breach involving customer alarm codes and home addresses creates massive liability. Cyber policies for small to mid-size alarm companies typically run between $1,000 and $5,000 annually, depending on the volume of data you handle. Florida's evolving insurance laws reflect a broader southeastern trend toward stricter data protection requirements that South Carolina businesses should watch closely.
Inland Marine for Tools and Equipment
Your technicians carry thousands of dollars in tools, testing equipment, wire, panels, and sensors in their vehicles every day. A standard commercial property policy only covers items at your listed business location. Inland marine insurance covers your equipment and tools wherever they go: in the van, at a job site, or stored at a technician's home overnight.
A single vehicle break-in can cost $5,000 to $15,000 in stolen tools and inventory. Inland marine premiums are relatively low, often $500 to $1,500 per year, making this one of the best-value policies an alarm company can add. Given that workers comp and classification accuracy already require careful attention to how your employees and equipment are categorized, bundling inland marine into your overall package just makes sense.
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 |
Does this cover me if a hacker steals my data?
Not exactly. Crime insurance covers financial theft, like funds transferred fraudulently. Data breaches and the costs associated with them (notification, credit monitoring, regulatory fines) fall under cyber liability insurance. Some overlap exists with computer fraud coverage, but a standalone cyber policy is the right tool for data-related incidents. The FBI found that 85% of cybercrime losses in 2025 traced back to human error, which underscores why both crime and cyber policies matter.
Common Questions About Alarm Company Insurance
FAQ: Cost, Compliance, and Claims
How much does alarm company insurance cost in South Carolina? A typical package including GL, workers comp, commercial auto, and E&O runs between $8,000 and $25,000 annually for a small to mid-size company. Your specific cost depends on revenue, number of employees, vehicles, and whether you offer monitoring services.
Do I need insurance to get my SC alarm business license? Yes. South Carolina requires proof of general liability insurance as part of the licensing process. Many municipalities and commercial clients require additional coverage types and higher limits before you can bid on contracts.
What's the most common claim alarm companies face? Property damage during installation is the most frequent claim by volume, but the most expensive claims typically involve failure-to-monitor disputes where a system didn't perform as expected during an emergency.
Can I bundle all my policies with one carrier? You can, but you probably shouldn't default to that approach. An independent agency can mix carriers to get you the best rate and coverage combination. One carrier might have the best GL rate while another specializes in alarm company E&O.
Does my policy cover subcontractors? Generally, no. If you use subcontractors for installation work, you need to verify they carry their own insurance and add your company as an additional insured on their policies. Your GL policy will typically exclude claims arising from uninsured subcontractor work.
Are Texas regulatory changes relevant to my SC business? If you operate across state lines or are considering expansion, yes. Each state has its own insurance and licensing requirements for alarm companies, and staying compliant means understanding the rules in every state where you do business.
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.
ERISA Requirements for Life Insurance Plans
If you offer employer-paid group life insurance, your plan almost certainly falls under the Employee Retirement Income Security Act. ERISA requires you to provide employees with a Summary Plan Description that explains benefits, eligibility, and claims procedures in plain language. You also need to file Form 5500 annually with the Department of Labor if your plan covers 100 or more participants. The ERISA compliance checklist for employers includes maintaining a written plan document, designating a plan fiduciary, and following proper claims and appeals procedures. Skipping any of these steps creates real liability.
South Carolina doesn't have its own mini-ERISA statute, so federal rules govern most employer-sponsored plans. But the SC Department of Insurance does regulate the carriers themselves, so make sure your insurer is licensed to operate in the state. Employers who fail to meet ERISA's fiduciary standards can face personal liability, not just corporate penalties.
Inland Marine for Tools and Equipment
Your technicians carry thousands of dollars in tools, testing equipment, wire, panels, and sensors in their vehicles every day. A standard commercial property policy only covers items at your listed business location. Inland marine insurance covers your equipment and tools wherever they go: in the van, at a job site, or stored at a technician's home overnight.
A single vehicle break-in can cost $5,000 to $15,000 in stolen tools and inventory. Inland marine premiums are relatively low, often $500 to $1,500 per year, making this one of the best-value policies an alarm company can add. Given that workers comp and classification accuracy already require careful attention to how your employees and equipment are categorized, bundling inland marine into your overall package just makes sense.
Making the Right Choice for Long-Term Protection
Alarm company insurance isn't something you set up once and forget. Your coverage needs to evolve as you add employees, expand your service area, take on commercial contracts, or start offering monitoring. The companies that get burned are usually the ones running on a policy they bought five years ago that no longer matches their operation.
The right approach starts with an honest assessment of your risks: how many technicians you have in the field, what data you store, how many vehicles you operate, and what your contracts actually require. From there, it's about building a package that covers the full picture without paying for things you don't need.
If you're running an alarm or security business in South Carolina and aren't sure whether your current coverage has gaps, CSP Insurance Services has been helping businesses across the state since 1939. Their team can review your policies, compare options from multiple carriers, and build a package that fits your specific operation. Request a quote to get a no-pressure review of your current coverage and see where you might be exposed.
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