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
A single design error on a set of construction documents can trigger a lawsuit that costs more than your firm earns in a year. That's not hypothetical: architecture firms across South Carolina face claims ranging from structural miscalculations to missed code requirements, and the financial fallout can be devastating for practices of any size. The architecture and engineering insurance market has been growing alongside rising risks and claims costs, making proper coverage more critical than ever for firms operating in 2026.
Whether you run a two-person studio in Columbia or manage a mid-size firm handling commercial projects along the Grand Strand, your insurance needs are fundamentally different from those of a typical small business. Architects carry a unique blend of professional, physical, and digital risks that standard policies simply don't address. This guide breaks down the essential coverage types for architecture firms, including general liability, workers' comp, commercial auto, and the industry-specific policies that fill dangerous gaps in your protection. Understanding what you actually need, and what you can skip, could save your firm from both overpaying and being dangerously underinsured.
Why Architects Need Specialized Insurance Protection
Architecture sits at a strange intersection of creative work and high-stakes liability. You're producing intellectual property that directly influences the safety of physical structures, and that combination creates risk profiles that generic business insurance was never designed to handle. A retail shop worries about slip-and-fall claims. An architecture firm worries about a building envelope failure that triggers a multi-million-dollar lawsuit three years after project completion.
The
business conditions for architecture firms have remained challenging, which means many practices are operating leaner than they'd like. That financial pressure makes it tempting to cut corners on insurance, but this is exactly when gaps in coverage become most dangerous.
Professional Risks vs. Standard Business Hazards
Standard business hazards are things like a client tripping over a power cord in your office or a burst pipe damaging your equipment. Professional risks are entirely different: they stem from the services you provide. A missed setback requirement, an inadequate drainage specification, or a structural detail that doesn't meet current South Carolina building codes can all generate claims that arrive months or years after you've moved on to other projects.
These professional risks have long tails. South Carolina's statute of limitations for construction defect claims can extend well beyond project completion, meaning you need coverage that protects you not just today but for work you completed years ago. This is why many E&O policies include "prior acts" coverage, and why letting your professional liability lapse, even briefly, can create a dangerous gap.
The Difference Between General Liability and Professional Liability
General liability covers bodily injury and property damage that happens because of your business operations. If a site visit goes wrong and you accidentally damage a client's property, GL responds. Professional liability, also called Errors and Omissions, covers claims arising from your professional services: design errors, omissions in specifications, failure to meet professional standards.
Here's the critical distinction: general liability explicitly excludes professional services claims. If your design causes a building failure, your GL policy won't pay. You need both policies, and confusing them is one of the most common mistakes architecture firms make.
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 |
Comparison: General Liability vs. Professional Liability (Errors & Omissions)
| Feature | General Liability (GL) | Professional Liability (E&O) |
|---|---|---|
| What it covers | Bodily injury, property damage, personal injury from operations | Claims from design errors, omissions, negligent professional services |
| Trigger | Physical incident (slip-and-fall, property damage) | Alleged professional mistake or failure to perform |
| Typical limit | $1M per occurrence / $2M aggregate | $1M per claim / $1M or $2M aggregate |
| Claims-made vs. occurrence | Usually occurrence-based | Almost always claims-made |
| Required by clients? | Often yes, especially for commercial projects | Almost always required by project owners and lenders |
| Median monthly cost | $50-$80 for small firms | About $141/month for $1M coverage |
The median cost for architect professional liability insurance runs about $141 per month for a policy providing $1 million in coverage. That's a meaningful expense for a small firm, but it's a fraction of what a single uninsured claim could cost. Most project owners in South Carolina require both GL and E&O certificates before you can start work, so carrying both isn't really optional for firms pursuing commercial or institutional projects.
| 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.
Essential Core Coverage for Architecture Firms
Beyond professional liability, architecture firms need a foundation of standard commercial coverages tailored to how they actually operate. The specific policies you need depend on your firm's size, whether you have employees, and how often your team is on the road visiting job sites.
Workers' Compensation for Design Teams
South Carolina requires workers' compensation insurance for businesses with four or more employees. Even if your firm falls below that threshold, carrying workers' comp is smart practice. Design professionals spend hours at workstations, which creates repetitive stress injury exposure. Staff who visit construction sites face slip, trip, and fall risks that are very real.
Workers' comp covers medical expenses and lost wages for on-the-job injuries, and it protects your firm from employee lawsuits related to workplace injuries. The premiums for office-based architecture staff are relatively low compared to construction trades, but they're not negligible. South Carolina's Workers' Compensation Commission takes compliance seriously, and penalties for operating without required coverage can include fines and even criminal charges.
Commercial Auto Insurance for Site Visits
If anyone at your firm drives a company vehicle, or even their own car, for business purposes like site visits, client meetings, or permit office runs, you need commercial auto coverage. South Carolina's minimum auto liability limits are 25/50/25 (that's $25,000 per person, $50,000 per accident for bodily injury, and $25,000 for property damage), but those minimums are dangerously low for a professional firm.
A serious accident during a site visit could easily exceed minimum limits, leaving your firm exposed. Most agents recommend carrying at least $100,000/$300,000 in bodily injury coverage. If employees use personal vehicles for firm business, a hired and non-owned auto policy fills the gap that personal auto policies leave when a vehicle is being used for work purposes.
Business Owner's Policy (BOP) for Small Studios
A BOP bundles general liability with commercial property insurance at a lower cost than buying each separately. For architecture studios with fewer than 100 employees and modest revenue, a BOP is often the most cost-effective way to cover your office space, equipment, furniture, and general liability exposure in a single policy.
That said, a BOP doesn't replace professional liability insurance. It covers your physical operations, not your professional services. Think of it as the foundation that protects your business as a business, while your E&O policy protects your work as an architect. Firms working with an independent agency like CSP Insurance Services can compare BOP options from multiple carriers to find the right balance of coverage and cost for their specific situation.
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 Endorsements and Specialized Policies
Standard policies cover standard risks. Architecture firms face several risks that require specialized endorsements or standalone policies to address properly. These are the coverages that separate a well-protected firm from one that's vulnerable to claims most architects never think about until it's too late.
Cyber Liability and Digital Asset Protection
Architecture firms store enormous amounts of sensitive data: client financial information, proprietary designs, project specifications, and building security plans. A ransomware attack or data breach can be catastrophic. Cyber insurance for architecture firms has become increasingly important as firms rely more heavily on cloud-based project management, BIM platforms, and digital file sharing.
Cyber liability covers breach notification costs, data recovery, business interruption from cyber events, and legal defense if client data is compromised. For South Carolina firms handling government or healthcare projects, the regulatory obligations following a data breach add another layer of financial exposure that cyber coverage addresses.
Pollution Liability for Environmental Design
If your firm designs projects involving brownfield redevelopment, waterfront properties, or any site with potential environmental contamination, pollution liability insurance deserves serious consideration. Standard GL policies exclude pollution-related claims, and South Carolina's coastal development zones bring specific environmental concerns around stormwater management, wetland impact, and flood zone compliance.
Even specifying certain building materials or HVAC systems that later cause indoor air quality issues could trigger a pollution-related claim. This coverage is particularly relevant for firms working on projects in flood-prone areas around Myrtle Beach, Charleston, or the Lowcountry.
Valuable Papers and Records Coverage
Your original drawings, specifications, contracts, and project documentation have real replacement value. If a fire, flood, or other disaster destroys these records, the cost of recreating them can be substantial. Valuable papers coverage pays for the research and labor needed to reconstruct or replace lost documents.
With South Carolina's hurricane and flood exposure, this coverage is more than theoretical. Firms that haven't fully digitized their archives, or that maintain physical models and original drawings, should carry this endorsement. Even digitized firms should consider it for the cost of data recovery and reconstruction after a catastrophic loss. Understanding the full scope of architect insurance costs helps firms budget appropriately for these specialized coverages.
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 Architect Coverage
Do I need professional liability insurance if I'm a sole proprietor? Yes. Your business structure doesn't change the fact that your professional services can generate claims. Most clients and project owners require E&O coverage regardless of firm size.
How much professional liability coverage should I carry? Most small to mid-size firms carry $1 million per claim with a $1 million or $2 million aggregate. Larger commercial projects may require $2 million or higher. Your specific coverage needs depend on your project types and contract requirements.
Does my homeowner's insurance cover my home-based architecture practice? No. Homeowner's policies exclude business activities. You'll need separate commercial coverage even if you work from a home office in Florence or Rock Hill.
Can I get all my policies from one carrier? You can, but you shouldn't assume that's the best approach. An independent agency can compare options across multiple carriers to find better rates and coverage terms for each policy type.
What happens if I let my E&O policy lapse? Claims-made policies only cover claims reported while the policy is active. A lapse means you lose coverage for past work, creating a gap that can't be filled retroactively. If you're closing your firm, you'll need tail coverage to protect against future claims on completed projects.
Is flood insurance included in my commercial property policy? Almost never. South Carolina firms, especially those in coastal areas, need separate flood coverage through the NFIP or a private flood insurer.
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 Firm
Getting architect insurance right isn't about buying every policy available. It's about understanding your firm's specific risk profile and building coverage around it. A two-person residential design studio in Columbia has very different needs than a 30-person firm handling hospital projects in Charleston.
Start with the non-negotiables: professional liability and general liability. Layer on workers' comp if you have employees, commercial auto if anyone drives for business, and then evaluate the specialized coverages based on your project types and geographic exposure. South Carolina's coastal risks, flood zones, and hurricane season add wrinkles that firms in other states don't face.
Working with an independent agency that understands architecture-specific risks makes a real difference. CSP Insurance Services has been helping South Carolina businesses find the right coverage since 1939, and their ability to compare policies across multiple carriers means you're not locked into one company's offerings. If you're starting a new firm or reviewing your current coverage,
request a quote to get a personalized assessment of what your practice actually needs. The right coverage lets you focus on designing great buildings instead of worrying about what happens if something goes wrong.
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