Bulk Fuel Dealer 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

Feature Short-Term Disability Long-Term Disability
Waiting Period 7-14 days 90-180 days
Benefit Duration Up to 26 weeks 2 years to age 65+
Income Replacement 60%-70% 50%-60%
Common Claims Surgery recovery, pregnancy, fractures Cancer, heart disease, chronic conditions
Typical Cost $0.10-$0.50 per $100 of payroll $0.20-$0.60 per $100 of payroll
Best For Bridging short absences Protecting against career-ending events

A single fuel spill on a delivery route can generate six-figure cleanup costs before your driver even finishes calling dispatch. A ruptured hose at a loading terminal can injure bystanders, contaminate soil, and trigger regulatory fines that compound daily. And with nuclear verdicts in the trucking sector now averaging $22.8 million per case, one catastrophic accident can bankrupt a fuel distribution company overnight. This is the reality bulk fuel dealers face every day they operate, and it's exactly why insurance for this industry looks nothing like a standard commercial package. The coverage you need spans general liability, workers comp, commercial auto, pollution liability, and several industry-specific policies that most agents don't even know how to quote. If you're running a fuel distribution operation in South Carolina or anywhere in the Southeast, this guide breaks down every policy layer you should have in place, what each one actually covers, and where the most dangerous gaps tend to hide.

Core Insurance Requirements for Bulk Fuel Dealers

Every bulk fuel operation needs a foundation of three core policies before adding specialized coverage. These aren't optional extras: they're the baseline that keeps your business legally compliant and financially protected against the most common claims. Miss any one of these, and you're exposed to losses that could shut down operations permanently. The trick is getting each policy structured correctly for fuel distribution, because off-the-shelf versions almost always leave critical gaps.

General Liability for Fuel Operations

General liability insurance covers third-party bodily injury and property damage claims that arise from your business operations. For a bulk fuel dealer, that means protection if a customer slips at your office, if your equipment damages a client's property during delivery, or if a product you sold causes harm. Standard GL policies for fuel dealers typically carry $1 million per occurrence and $2 million aggregate limits, though many commercial clients and government contracts require higher limits.


Here's where fuel dealers get tripped up: most general liability policies contain pollution exclusions. That means if diesel leaks from a connection point and contaminates a customer's property, your GL policy may deny the claim entirely. You need to verify whether your policy includes a "total pollution exclusion" or a more limited one, because that single clause determines whether you're covered for one of your most likely loss scenarios.

Workers Compensation for Field and Office Staff

South Carolina requires workers compensation coverage for any business with four or more employees, but fuel dealers should carry it regardless of headcount. Your drivers handle hazardous materials, work around heavy equipment, and face slip-and-fall risks at loading terminals daily. A single burn injury or chemical exposure claim can cost $200,000 or more in medical treatment and lost wages.


Workers comp classification codes matter here. Fuel delivery drivers fall under different class codes than office staff, and misclassification can dramatically affect your premiums. Make sure your agent separates field operations from administrative roles. An experience modification rate (EMR) below 1.0 signals a strong safety record and earns you lower premiums, so investing in driver training programs pays for itself over time.

Commercial Auto and Fleet Coverage

Your tanker trucks are the lifeblood of your business and your biggest liability. South Carolina requires minimum auto liability of 25/50/25 for personal vehicles, but commercial fuel trucks need far higher limits: $1 million is the federal minimum for hazmat carriers, and most insurers recommend $2 million to $5 million given the current litigation environment.


Commercial auto policies for fuel fleets should include collision, comprehensive, hired and non-owned auto, and trailer interchange coverage. Pay close attention to your policy's definition of "covered auto," because some policies exclude specialized tanker trailers unless they're specifically scheduled. The cost difference between a well-structured fleet policy and a bare-minimum one is often just 15-20% more in premium, but the coverage difference is enormous.

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.

Fine Arts and High-Value Specialized Goods

Galleries, auction houses, and even corporate offices with art collections need specialized coverage. Standard property policies cap fine art at absurdly low limits, sometimes $2,500 per item. A fine arts floater provides agreed-value coverage, meaning you and the insurer agree on the item's worth upfront. If it's damaged or stolen, that's what you get paid.

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

Computer Equipment and Data Storage

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

Specialized Coverage for Environmental and Supply Risks

Standard policies leave some of the biggest risks in fuel distribution completely uncovered. These specialized policies fill the gaps that general liability, workers comp, and commercial auto can't reach.

Pollution Liability and MCS-90 Endorsements

Pollution liability insurance is arguably the most important specialized policy a bulk fuel dealer can carry. It covers cleanup costs, third-party bodily injury, and property damage from fuel releases, whether they happen during transport, at a storage facility, or during delivery. Environmental claims are notoriously expensive: a single diesel spill into a waterway can generate remediation costs exceeding $1 million, plus regulatory penalties from DHEC in South Carolina.


The MCS-90 endorsement is a federal requirement for motor carriers transporting hazardous materials. It guarantees that the insurer will pay for environmental damage caused by a covered vehicle, even if the underlying policy would otherwise exclude the claim. Think of it as a safety net for the public, not for you: the insurer can subrogate against you after paying the claim. It's not a substitute for proper pollution liability coverage.

Inland Marine for Fuel in Transit

Inland marine insurance covers your product while it's being transported. Your commercial auto policy covers the truck, but what about the 8,000 gallons of diesel inside it? If your tanker overturns and the fuel is a total loss, inland marine reimburses you for the product value. For dealers moving high volumes of fuel daily, uninsured product losses add up fast.


This coverage also extends to fuel stored temporarily at job sites or in portable tanks. If you're supplying construction sites or agricultural operations across the Pee Dee region or the Lowcountry, those temporary storage situations create exposures that your property policy won't touch.

Terminal Access and Loading Liability

Loading and unloading fuel is one of the highest-risk activities in your operation. Terminal access agreements often require you to carry specific insurance minimums, and if your coverage doesn't meet their requirements, you lose access to supply points. Loading liability covers damage to the terminal's equipment, spills that occur during the transfer process, and injuries to terminal workers caused by your operations.


Many fuel dealers in South Carolina access terminals in Charleston, Florence, and Columbia. Each terminal operator sets its own insurance requirements, and they're getting stricter every year. Having an agent who understands these requirements, like the team at CSP Insurance Services, saves you from scrambling to add endorsements at the last minute.

Factors That Influence Your Premium Costs

Several variables drive what you'll pay:


  • Specialty: Neurosurgeons pay far more than internists
  • Claims history: Prior claims increase your rates, sometimes dramatically
  • Location: Urban areas with higher jury awards tend to cost more
  • Policy type: Occurrence policies cost more than claims-made
  • Coverage limits: Higher limits mean higher premiums
  • Years in practice: New physicians sometimes pay less initially on claims-made policies (the "step" or "mature" rate system)


The trend line isn't encouraging. Malpractice claims data for 2026 shows continued growth in both claim frequency and severity, meaning premiums are likely to keep rising. Shopping your coverage through an independent agency that compares multiple carriers can save you thousands annually without sacrificing protection.

For most commercial projects, extended coverage with appropriate endorsements is the smarter choice. The premium difference is often modest compared to the potential gap in coverage.

Comparing Standard vs. High-Risk Policy Features

Not all fuel dealer policies are created equal. Here's how standard and high-risk policy features compare:

Feature Standard Policy High-Risk Policy
GL Limits $1M/$2M $2M/$5M or higher
Pollution Coverage Excluded or sublimited Full pollution liability included
Fleet Size 1-5 vehicles 6+ vehicles, older fleet accepted
Driver Requirements Clean MVR, 2+ years CDL Accepts drivers with minor violations
Deductibles $1,000-$5,000 $10,000-$25,000
Premium Range $15,000-$40,000/year $50,000-$150,000+/year
MCS-90 Available as endorsement Typically included
Claims History No major losses in 3 years Accepts some prior claims

If your operation has a clean safety record, newer equipment, and experienced drivers, you'll qualify for standard market pricing. Operations with older fleets, newer drivers, or prior claims often get pushed into surplus lines markets where premiums jump significantly. The single best thing you can do to keep costs down is maintain a strong safety program and clean loss history.

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

This is a policy feature that doesn't get enough attention. A consent-to-settle clause gives you the right to approve or reject any settlement offer your insurer wants to make. Without it, your carrier can settle a claim you believe is meritless, and that settlement goes on your record.


Some policies include a "hammer clause" instead: if you refuse a settlement the insurer recommends and the case goes to trial with a worse outcome, you're responsible for the difference. Understanding this clause before you buy a policy is critical. At CSP Insurance Services, their team walks clients through these policy details line by line, which matters because the fine print in malpractice policies can have career-altering consequences.

The Role of Consent-to-Settle Clauses

Risk Management and Safety Compliance

Insurance premiums for fuel dealers are directly tied to your risk profile. Carriers don't just look at your claims history: they evaluate your entire safety infrastructure before quoting a policy.

The Impact of DOT Safety Ratings on Premiums

Your DOT safety rating is essentially your credit score with insurance carriers. A "Satisfactory" rating gets you access to the best markets and lowest premiums. A "Conditional" rating can increase your premiums by 30-50%, and an "Unsatisfactory" rating makes you nearly uninsurable in the standard market. The rising cost of nuclear verdicts is pushing insurers to scrutinize safety records more aggressively than ever.


CSA scores, out-of-service rates, and HOS violations all factor into your insurability. Carriers pull your SAFER System data during underwriting, so surprises here can kill a quote. Review your own data quarterly and dispute any inaccuracies before renewal season.

Spill Prevention and Response Planning

Having a written Spill Prevention, Control, and Countermeasure (SPCC) plan isn't just a regulatory requirement for facilities storing over 1,320 gallons: it's a premium reduction tool. Insurers want to see documented spill response procedures, employee training records, equipment inspection logs, and emergency contact protocols.


South Carolina's DHEC requires immediate notification for any spill that reaches surface water or poses a threat to groundwater. Having a response plan that your drivers actually know and practice can be the difference between a $10,000 incident and a $500,000 one. Some carriers offer 5-10% premium credits for documented safety programs.

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.

FAQ: What counts as a disability? Does it cover mental health? Are benefits taxable?

What qualifies as a disability under most group plans? Most policies define disability as the inability to perform the essential duties of your own occupation (for the first 1-2 years) and later shift to an "any occupation" standard. The exact definition varies by carrier and policy, so reading the contract language matters.


Does disability insurance cover mental health conditions? Yes, most modern group disability policies cover mental health conditions like depression, anxiety, and PTSD. However, many policies limit mental health claims to 24 months of benefits, even if the overall policy pays to age 65. Ask about this limitation before you buy.


Are disability benefits taxable? It depends on who pays the premium. If the employer pays, benefits are taxable to the employee. If the employee pays with after-tax dollars, benefits are received tax-free.


Can employees receive both workers' comp and disability benefits? Generally, no. Most disability policies include an offset provision that reduces benefits by the amount of workers' compensation received. The two programs are designed to complement each other, not stack.


Is there a waiting period before new employees can enroll? Most group plans allow employers to set an eligibility waiting period, commonly 30, 60, or 90 days. South Carolina doesn't regulate this waiting period for disability coverage, so it's up to the employer.


What happens if an employee is partially disabled? Many LTD policies include a partial or residual disability benefit that pays a reduced amount if the employee can work part-time but not full-time. This feature encourages return-to-work efforts while still providing financial support.

Factors That Influence Your Monthly Premiums

Several factors drive your builders risk premium. Project type matters: a wood-frame apartment complex costs more to insure than a concrete tilt-up warehouse. Location is significant, especially in South Carolina where coastal proximity affects wind/hail rates dramatically. A project in Florence will price very differently from one on the Grand Strand.


Other factors include project duration, the contractor's loss history, protective safeguards on-site (fencing, security cameras, fire extinguishers), and the deductible you choose. Premiums typically run between 1% and 4% of the total project value, though market conditions in early 2026 have pushed rates toward the lower end for well-managed projects.

Usually, yes. A single claim can increase your premiums by 10% to 30% or more, depending on the severity and outcome. Some carriers offer claims-free discounts that you'd lose. That said, a claim that's dismissed or results in no payout has less impact than one with a large settlement. Shopping your renewal through an independent agent can help offset rate increases by comparing offers from competing carriers.

FAQ: Will my rates go up if I have one claim?

Apartment complex insurance isn't a single policy: it's a coordinated set of coverages that work together to protect your buildings, your income, your employees, and your financial future. The right package includes general liability, commercial property, workers comp, commercial auto, and specialized add-ons like loss of rental income and equipment breakdown. Skipping any one of these creates a gap that a single bad claim can exploit.


The most effective approach is working with an independent agency that can compare options across multiple carriers. CSP Insurance Services has been helping South Carolina property owners build customized coverage programs since 1939, with direct access to real people who understand multifamily risk. If you're unsure whether your current coverage matches your actual exposure, or if you're purchasing a new complex and need to build a policy from scratch, request a quote to get a personalized analysis of your insurance needs. A 20-minute conversation now can save you six figures when a claim hits.

Common Questions About Fuel Dealer Insurance

How much does a typical policy cost?

A complete insurance package for a small bulk fuel dealer with 2-3 trucks typically runs $25,000 to $60,000 per year. Larger operations with 10+ vehicles, storage tanks, and higher liability limits can pay $100,000 to $300,000 annually. Your specific cost depends on fleet size, driver records, claims history, and coverage limits.

Does general liability cover fuel spills?

Usually not. Most GL policies contain pollution exclusions that specifically exclude fuel spills and environmental contamination. You need a separate pollution liability policy to cover cleanup costs, third-party damages, and regulatory fines from fuel releases.

What is the MCS-90 and do I need it?

The MCS-90 is a federal endorsement required for motor carriers transporting hazardous materials, including petroleum products. It guarantees public compensation for environmental damage caused by your vehicles. If you're hauling fuel across state lines or in quantities requiring hazmat placards, you need it.

Are my storage tanks covered under property insurance?

Standard property insurance typically excludes above-ground and underground storage tanks, or severely sublimits coverage. You need a separate tank policy or a specific endorsement that covers the tanks themselves, the fuel inside them, and any cleanup costs from a tank failure. South Carolina has specific UST regulations through DHEC that affect your coverage requirements.

Can I get coverage if I transport hazardous materials?

Yes, but it requires specialized carriers willing to write hazmat risks. Expect higher premiums, stricter driver qualification requirements, and mandatory safety programs. An independent agency like CSP Insurance Services can access multiple carriers to find options, since many standard insurers won't quote hazmat operations at all. The impact of large verdicts on oil and gas insurance costs has made this market tighter, but coverage is still available for well-run operations.

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

This is a policy feature that doesn't get enough attention. A consent-to-settle clause gives you the right to approve or reject any settlement offer your insurer wants to make. Without it, your carrier can settle a claim you believe is meritless, and that settlement goes on your record.


Some policies include a "hammer clause" instead: if you refuse a settlement the insurer recommends and the case goes to trial with a worse outcome, you're responsible for the difference. Understanding this clause before you buy a policy is critical. At CSP Insurance Services, their team walks clients through these policy details line by line, which matters because the fine print in malpractice policies can have career-altering consequences.

The Role of Consent-to-Settle Clauses

Making the Right Choice for Your Fleet

Bulk fuel dealer insurance isn't something you can afford to get wrong. The combination of hazardous materials, heavy commercial vehicles, environmental exposure, and regulatory requirements creates a risk profile that demands careful, layered coverage. A gap in any single policy area can leave your entire operation vulnerable.


The smartest move is working with an independent agency that understands fuel distribution and can build a program across multiple carriers. CSP Insurance Services has been helping South Carolina businesses find the right coverage since 1939, and their team can compare options from multiple insurers to match your specific operation. Whether you're running three trucks out of Florence or managing a fleet across the state, getting your coverage reviewed by someone who knows this industry is worth the phone call.


Ready to see what a properly structured fuel dealer program looks like for your operation? Request a quote from CSP Insurance Services and get a no-obligation review of your current coverage.

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.

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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.

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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.

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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

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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.

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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.

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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.

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80+ years local experience

1939

Serving SC

Insurance Sales

J. Roger Jordan, CIC

Meet Richard

[CONFIRM bio]

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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

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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.

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Insurance tips & updates.

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

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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

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Motorcycle

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

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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