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 alarm or security company in South Carolina means your technicians are in customers' homes and businesses every day, handling sensitive equipment, accessing private spaces, and connecting systems to networks that store personal data. A single botched installation or a van accident on I-26 can expose your business to claims that dwarf your annual revenue. The right insurance coverage isn't just a box to check for licensing: it's the difference between surviving a bad month and closing your doors.
South Carolina's regulatory environment has shifted in recent years, too. The state's Age-Appropriate Design Code Act introduced personal liability for officers and employees in cases of willful violations, which has implications for any security company handling data from connected systems. Between state-specific licensing requirements, evolving data privacy laws, and the physical risks inherent in alarm installation work, building the right insurance package requires more than a generic business owner's policy.
This guide breaks down exactly what South Carolina alarm companies need: general liability, workers' comp, commercial auto, professional liability, and the industry-specific riders that most agents forget to mention. Whether you're a two-person operation in Florence or running a fleet of service vans across the Upstate, here's what actually matters.
Understanding South Carolina Licensing and Insurance Requirements
South Carolina regulates alarm and security businesses more tightly than many states, and your insurance obligations are baked directly into the licensing process. Getting this wrong doesn't just risk a fine: it can cost you your license entirely.
South Carolina Contractors' Licensing Board Compliance
The SC Contractors' Licensing Board requires alarm system businesses to hold a valid license before performing installations. Part of that application involves demonstrating adequate insurance coverage. You'll need to show proof of general liability insurance, and depending on the size of your operation, workers' compensation coverage as well. South Carolina mandates workers' comp for any business with four or more employees, which catches a lot of growing alarm companies off guard.
The licensing board can audit your insurance status at renewal, and lapses in coverage can trigger suspension. If you're subcontracting installation work, you're also responsible for verifying that your subs carry their own coverage. The board doesn't care about handshake agreements: they want certificates of insurance on file.
Surety Bond vs. Liability Insurance Needs
Here's where some alarm company owners get confused: a surety bond and liability insurance aren't the same thing, and South Carolina may require both. A surety bond protects your customers if you fail to fulfill a contract. Liability insurance protects your business from third-party claims for bodily injury or property damage.
Think of it this way: the bond is your promise to do the job right, backed by a bonding company. Your GL policy is your safety net when things go wrong despite your best efforts. Most SC alarm companies need a minimum bond amount set by the licensing board, plus liability coverage that meets or exceeds the minimums your contracts require. Commercial clients, especially property management companies and HOAs along the coast, often demand $1 million or $2 million in GL coverage before they'll sign a service agreement.
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 Coverage: General Liability and Errors & Omissions
These two policies form the backbone of your insurance program, but they cover very different risks. Mixing them up, or skipping one, is the most expensive mistake alarm companies make.
General Liability for Physical Property Damage
General liability covers the physical stuff: your technician drills through a water pipe during installation, a ladder damages a customer's hardwood floor, or a client trips over cable you left exposed. These claims happen constantly in the alarm industry. A standard GL policy covers third-party bodily injury, property damage, and personal/advertising injury.
For South Carolina alarm companies, pay attention to your per-occurrence and aggregate limits. A $1 million per-occurrence / $2 million aggregate policy is the industry standard, but coastal commercial work sometimes requires higher limits. Your GL policy should also include completed operations coverage, which protects you after you've finished a job and left the site.
Professional Liability (E&O) for System Failures
This is the coverage that separates alarm companies from general contractors. Professional liability, also called Errors and Omissions, covers you when your system fails to perform as designed. A burglar breaks in because the motion sensor wasn't calibrated correctly. A fire alarm doesn't trigger because of a wiring error. These aren't physical damage claims: they're failures of professional service.
E&O claims in the security industry can be devastating. If a customer's business is burglarized and your system didn't alert, they're coming after you for the full value of what was stolen. Design professionals face evolving risk trends that apply equally to security system designers and installers. Without E&O coverage, you're defending that claim out of pocket.
Comparison: GL vs. Professional Liability Coverage
| Feature | General Liability | Professional Liability (E&O) |
|---|---|---|
| Covers | Physical injury and property damage | Failure of professional services |
| Example claim | Technician damages drywall during install | Alarm system fails to detect intrusion |
| Trigger | Accident or negligence causing physical harm | Error, omission, or system malfunction |
| Typical limit | $1M per occurrence / $2M aggregate | $500K to $2M per claim |
| Required by SC? | Yes, for licensing | Not by law, but often required by contracts |
| Who needs it most | All alarm companies | Companies designing or monitoring systems |
You need both. GL without E&O leaves you exposed to your biggest risk category: system failures. An independent agency like CSP Insurance Services can help you understand how these policies interact and where gaps exist, since they work with multiple carriers and aren't locked into a single insurer's product lineup.
| 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.
Protecting Your Workforce and Fleet
Your people and your vehicles are your two biggest operational assets. South Carolina has specific rules for both that alarm companies need to follow carefully.
South Carolina Workers' Compensation Rules for Small Teams
South Carolina requires workers' comp coverage once you hit four employees. That threshold includes part-time workers, and the state doesn't give you a grace period when you hire employee number four. Alarm installation is classified as a moderate-to-high risk occupation, so your experience modification rate matters: a clean safety record can save you thousands annually.
One thing to keep in mind: even if you have fewer than four employees, carrying workers' comp voluntarily is smart. Without it, an injured employee can sue you directly, and those lawsuits aren't capped the way workers' comp benefits are. A technician who falls off a ladder and breaks a wrist could cost you $40,000 to $80,000 in medical bills and lost wages. Workers' comp handles that. A personal injury lawsuit could cost much more.
Commercial Auto for Installation and Service Vans
Your personal auto policy won't cover vehicles used for business purposes: full stop. 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 those minimums are dangerously low for a commercial operation. A loaded service van that rear-ends someone on I-77 near Rock Hill can easily generate claims exceeding $100,000.
Commercial auto policies for alarm companies should include hired and non-owned auto coverage, especially if employees ever use personal vehicles for service calls. Your policy should also cover the tools and equipment inside the van: a typical alarm installation van carries $10,000 to $30,000 in inventory and specialized equipment. Without inland marine or tools coverage added to your auto policy, that's an uninsured loss if the van is stolen or totaled.
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 |
Industry-Specific Riders for Alarm Professionals
Standard business insurance leaves gaps that are unique to the security industry. These riders fill them.
Lost Key and Failure to Perform Coverage
Alarm companies often hold keys, access codes, and gate remotes for client properties. If those are lost, stolen, or compromised, you're potentially liable for rekeying an entire building or replacing an access control system. Lost key coverage handles these costs, which can run $5,000 to $50,000 depending on the size of the property.
Failure to perform coverage is related but distinct. It protects you when your monitoring service fails to dispatch authorities after an alarm activation. Maybe your central station had a software glitch, or a communication line went down during a hurricane (a real concern for companies serving Myrtle Beach and the Lowcountry). This rider covers the resulting claims.
Cyber Liability for Connected Security Systems
Modern alarm systems are networked devices. They connect to Wi-Fi, transmit video feeds, store customer data, and integrate with smart home platforms. That makes your company a data handler, and South Carolina's new design code provisions create liability exposure for businesses that collect or process personal information, particularly from minors.
A cyber liability policy covers data breach notification costs, forensic investigation expenses, regulatory fines, and third-party claims from affected customers. The average cost of a data breach for a small business in 2026 runs between $120,000 and $200,000. Your GL policy explicitly excludes cyber events, so this isn't optional if you're running any kind of connected or monitored system. The privacy implications of connected devices continue to expand, and your insurance needs to keep pace.
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.
Common Questions About SC Security Business Insurance
How much does general liability insurance cost for a South Carolina alarm company? Most small alarm companies pay between $1,200 and $3,500 annually for a $1M/$2M GL policy. Your rate depends on revenue, number of employees, and claims history.
Do I need E&O insurance if I only install systems and don't monitor them? Yes. Installation errors that cause system failures are E&O claims, not GL claims. If you design or install any part of a security system, you need professional liability coverage.
Can I use my personal auto insurance for my service van? No. Personal auto policies exclude vehicles used for business purposes. If you're caught using a personal policy for commercial work, the insurer can deny your claim entirely.
What happens if my workers' comp lapses in South Carolina? The SC Workers' Compensation Commission can impose penalties, and you lose your protection from employee lawsuits. Your contractors' license may also be suspended.
Does my insurance cover damage from hurricanes to client systems I installed? Generally, no. Your customer's property insurance covers storm damage to their building and systems. Your liability would only apply if the system was improperly installed and that defect contributed to additional damage.
Do I need separate cyber insurance if I already have GL?
Yes. GL policies contain broad cyber exclusions. Any company handling customer data, video feeds, or access codes needs a standalone cyber liability policy.
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.
Making the Right Choice for Your Security Firm
Getting insurance right for a South Carolina alarm company isn't about buying the cheapest policy: it's about building a coverage package that matches your actual risk profile. A two-person residential installer in Columbia has very different needs than a 20-employee commercial security firm serving the Grand Strand.
The policies that matter most are GL, professional liability, workers' comp (once you hit four employees, or sooner by choice), commercial auto, and at least one industry-specific rider like cyber liability or lost key coverage. Skip any of these, and you're carrying risk that could end your business after a single bad claim.
CSP Insurance Services has been helping South Carolina businesses build the right coverage since 1939, and because they're independent, they can shop your alarm company's insurance across multiple carriers to find the best fit. If you're starting a new security business or suspect your current coverage has gaps, request a quote and get a honest look at where you stand. A 15-minute conversation now beats a six-figure claim later.
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