South Carolina Apartment Complex 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

Owning an apartment complex in South Carolina means dealing with a set of risks that most commercial property owners never think about until something goes wrong. A tenant slips on a wet stairwell in Myrtle Beach. A hurricane rips siding off three buildings in one night. A maintenance van rear-ends someone on the way to a service call in Columbia. Each of these scenarios can cost tens of thousands of dollars, and without the right coverage, that money comes straight out of your pocket. This guide breaks down the essential insurance policies South Carolina apartment owners need: general liability, workers comp, commercial auto, and several industry-specific coverages that are easy to overlook but expensive to skip. The real estate sector is facing continued volatility in insurance pricing, and multifamily property owners in coastal states like South Carolina are feeling it more than most. Whether you own a 12-unit complex in Florence or a 200-unit community near Rock Hill, understanding exactly what your policies should cover isn't optional anymore. It's the difference between a manageable claim and a financial disaster.

Essential Insurance for South Carolina Apartment Owners

Every apartment complex needs a foundation of core coverages that address the most common and most expensive risks. These aren't optional add-ons: they're the policies that keep your operation solvent when things go sideways.

General Liability for Multifamily Properties

General liability (GL) insurance is your first line of defense against lawsuits from tenants, visitors, and vendors. If someone trips over a broken sidewalk, gets bitten by another tenant's dog in a common area, or claims your property caused them bodily harm, GL responds to those claims.


For South Carolina apartment complexes, a standard GL policy typically starts at $1 million per occurrence with a $2 million aggregate. That sounds like a lot until you realize that a single slip-and-fall lawsuit with a serious injury can easily exceed $500,000 in medical bills and legal fees. Complexes with pools, fitness centers, or playgrounds should expect higher premiums because those amenities increase exposure.


One mistake I see often: owners assume their GL policy covers everything that happens on the property. It doesn't. Pollution events, professional errors, and employment-related claims all fall outside standard GL. Know your exclusions.

Commercial Property and Coastal Risks

South Carolina's coastline creates a unique challenge for apartment owners. Standard commercial property policies often exclude wind and hail damage in coastal counties, meaning you need a separate windstorm policy through the South Carolina Wind and Hail Underwriting Association if your complex sits in a designated wind pool area.


Flood insurance is another gap. Even if your property isn't in a FEMA-designated flood zone, recent storm patterns have shown that inland flooding in areas like Columbia and Florence can be just as devastating. A commercial flood policy through the National Flood Insurance Program or a private carrier is worth serious consideration.


Your commercial property policy should cover the replacement cost of your buildings, not just actual cash value. The difference matters: ACV deducts depreciation, which means a 20-year-old roof that costs $150,000 to replace might only pay out $60,000 under an ACV policy.

The Role of Umbrella and Excess Liability

An umbrella policy sits on top of your GL, commercial auto, and sometimes your workers comp policy, providing additional limits when a claim exceeds the underlying coverage. For apartment complexes, this is critical.


Think about a scenario where a fire in one unit spreads to four others, injuring multiple tenants and displacing families. Your GL policy's $1 million per-occurrence limit could be exhausted quickly. An umbrella policy with $5 million or $10 million in additional coverage prevents that single event from bankrupting your operation. The cost is surprisingly reasonable: umbrella premiums for a mid-sized complex often run between $1,500 and $5,000 annually, depending on unit count and claims history.

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

Protecting Your Staff and Fleet

Your buildings aren't the only assets at risk. The people who work in them and the vehicles they drive create their own set of liabilities.

South Carolina Workers Compensation Requirements

South Carolina law requires workers compensation insurance for any employer with four or more employees. If your apartment complex has on-site maintenance staff, leasing agents, or property managers, you almost certainly meet that threshold.


Workers comp covers medical expenses and lost wages when an employee is injured on the job. For apartment complexes, common claims include back injuries from lifting appliances, falls from ladders during maintenance, and repetitive stress injuries. South Carolina's workers comp rates are set by classification code, and apartment complex employees typically fall under codes that reflect moderate physical risk.


Here's a detail that catches some owners off guard: even if you use independent contractors for maintenance, the state may still consider them employees for workers comp purposes if you control how and when the work gets done. An independent agency like CSP Insurance Services can help you sort out whether your staffing arrangements create hidden workers comp obligations.

Commercial Auto for Maintenance and Security Vehicles

If your complex owns or leases vehicles for maintenance runs, tenant shuttles, or security patrols, you need a commercial auto policy. South Carolina's minimum auto liability limits are 25/50/25: $25,000 per person for bodily injury, $50,000 per accident, and $25,000 for property damage. Those minimums are dangerously low for a business.


A single accident involving a maintenance truck could easily generate claims that blow past those limits. Most insurance professionals recommend carrying at least $500,000 in combined single-limit coverage on commercial vehicles, with your umbrella policy providing additional protection above that.


Don't forget about hired and non-owned auto coverage, either. If an employee uses their personal vehicle to pick up supplies for the complex and causes an accident, your business could be named in the lawsuit.

Industry-Specific Coverages and Endorsements

Beyond the core policies, apartment complexes face risks that require specialized endorsements or standalone policies. These are the coverages that separate a basic insurance program from one that actually protects you.

Ordinance or Law Coverage for Older Buildings

Many South Carolina apartment complexes were built decades ago under building codes that have since been updated. If a covered loss destroys part of an older building, local ordinances may require you to bring the entire structure up to current code during repairs, not just fix the damaged portion.


Standard property policies don't cover this additional cost. Ordinance or law coverage fills that gap. Premiums for uncertified historic multifamily units in South Carolina are projected to rise by 18% in 2026 due to new lead abatement regulations, making this endorsement even more important for owners of older properties. Without it, you could face six-figure upgrade costs out of pocket after a fire or storm.

Equipment Breakdown and Boiler Insurance

Apartment complexes depend on HVAC systems, elevators, boilers, and electrical panels that can fail without warning. A standard property policy covers damage from external causes like fire or wind, but it typically excludes mechanical or electrical breakdown.


Equipment breakdown insurance covers the cost to repair or replace failed equipment, plus any lost rental income while units are uninhabitable. A boiler explosion in a 50-unit complex during a South Carolina winter can displace dozens of tenants and cost hundreds of thousands in repairs. This coverage is inexpensive relative to the exposure it addresses: often just a few hundred dollars annually added to your property policy.

Cyber Liability for Resident Portals

If your complex uses an online portal for rent payments, maintenance requests, or lease applications, you're collecting sensitive personal and financial data. A data breach exposes you to notification costs, credit monitoring for affected tenants, regulatory fines, and potential lawsuits.


The cyber insurance market in 2026 still favors buyers with competitive pricing, but policy terms have tightened. Make sure your cyber liability policy covers both first-party costs (your expenses to respond to a breach) and third-party liability (lawsuits from affected tenants). Premiums for small to mid-sized apartment complexes typically range from $1,000 to $3,000 annually.

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
Feature Bare Walls Coverage All-In Coverage
Association covers Structure, roof, exterior walls, common areas Structure plus original interior finishes (drywall, flooring, cabinets, fixtures)
Unit owner covers Everything from studs inward, including original finishes Only personal property and owner-made upgrades
Typical premium impact Lower master policy premium Higher master policy premium
Unit owner HO-6 cost Higher (more responsibility) Lower (less to insure individually)
Claim confusion risk Moderate: owners sometimes assume more is covered Lower: clearer division of responsibility
Best for Associations wanting lower shared costs Associations wanting simpler claims processing

Comparing Coverage: Basic vs. Comprehensive Plans

Not all insurance programs are created equal. Here's how a bare-minimum approach stacks up against a comprehensive one:

Coverage Area Basic Plan Comprehensive Plan
General Liability $1M per occurrence, $2M aggregate $1M per occurrence, $2M aggregate + umbrella
Property ACV basis, wind exclusion in coastal zones Replacement cost, separate windstorm + flood
Workers Comp State minimum only State minimum + return-to-work program
Commercial Auto 25/50/25 state minimum $500K+ combined single limit
Ordinance or Law Not included Included as endorsement
Equipment Breakdown Not included Included
Cyber Liability Not included $1M+ coverage
Umbrella None $5M-$10M

The basic plan keeps you legal. The comprehensive plan keeps you in business after a serious loss. The annual premium difference between the two is often 30-40%, but the protection gap is enormous.

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.

South Carolina's Department of Insurance regulates commercial insurance rates and requires carriers to file their rates before using them. This provides some pricing transparency, but it doesn't mean all carriers charge the same amount for similar coverage.


Coastal properties from Myrtle Beach to Hilton Head consistently pay higher premiums due to hurricane exposure. Wind and hail deductibles in these areas are often percentage-based: typically 2-5% of the building's insured value rather than a flat dollar amount. On a $5 million complex, a 3% wind deductible means you're covering the first $150,000 of wind damage yourself.


Working with an independent agency gives you access to quotes from multiple carriers, which matters in a market where pricing can vary significantly from one company to the next. CSP Insurance Services, with over 80 years of experience serving South Carolina businesses, can compare options across carriers to find the right balance of coverage and cost for your specific property.

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 Apartment Insurance

Does my landlord policy cover all my apartment buildings? A standard landlord policy is designed for one to four units. Once you exceed that, you need a commercial property and liability program built for multifamily housing.


Am I required to carry flood insurance in South Carolina? Only if your mortgage lender requires it or your property sits in a Special Flood Hazard Area. That said, roughly 25% of flood claims come from outside high-risk zones, so carrying it voluntarily is smart.


Can I bundle all my apartment complex coverages into one policy? Yes. A Business Owner's Policy (BOP) combines property and liability coverage, and you can add endorsements for equipment breakdown and other risks. Larger complexes may need standalone policies for better limits.


How does my claims history affect my premiums? Significantly. A complex with multiple liability or property claims in the past three to five years will pay noticeably more than a clean account. Some carriers won't even quote properties with poor loss histories.


Do I need separate insurance for each building in my complex? Not necessarily. Most commercial policies can schedule multiple buildings under a single policy, though each building needs its own insured value listed on the declarations page.

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 Complex

Apartment complex insurance in South Carolina isn't a one-size-fits-all purchase. The right program depends on your location, building age, number of units, amenities, staffing, and risk tolerance. Coastal properties need windstorm and flood coverage that inland complexes might skip. Older buildings need ordinance or law endorsements. Any complex with a resident portal needs cyber liability.


The common thread is that underinsuring a multifamily property is one of the most expensive mistakes a property owner can make. A single uninsured or underinsured loss can wipe out years of rental income.


If you're unsure whether your current coverage matches your actual exposure, it's worth having a professional review your policies. CSP Insurance Services works with apartment owners across South Carolina to build coverage programs tailored to each property's specific risks. You can request a quote to get a no-pressure comparison of your options and make sure nothing critical is falling through the cracks.

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.

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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.

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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.

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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