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 visitor tripping over a sunken headstone. A backhoe operator injuring his back while digging a grave plot. An embalming chemical leak contaminating groundwater near a historic burial section. These aren't hypothetical scenarios: they're real claims that cemetery operators across South Carolina have faced, sometimes without adequate coverage in place. Cemetery insurance touches on a broad range of protections, from general liability and workers comp to commercial auto and policies built specifically for the death care industry. The risks are genuinely unique, and a standard business owner's policy rarely covers them all. A cemetery is part park, part construction site, part records archive, and part sacred ground. That combination creates exposure that most off-the-shelf policies simply weren't designed to address. If you manage or own a cemetery, memorial park, or mausoleum in South Carolina, understanding exactly what coverage you need, and what gaps to watch for, could save you from a six-figure claim that catches you flat-footed.

Understanding Risk Management for Cemeteries

Cemeteries face a risk profile that doesn't neatly fit into any standard industry category. You're maintaining open grounds where the public walks freely, often on uneven terrain near heavy stone monuments. You're operating excavation equipment, sometimes just feet from visitors attending a graveside service. And you're managing records, some digital and some on paper, that families depend on for decades.


The regulatory environment is tightening, too. Colorado's "Changes to Practices Relating to Death" bill now requires funeral homes and cemeteries to carry minimum liability coverage, and similar legislative trends are emerging in other states. South Carolina hasn't adopted identical mandates yet, but the SC Department of Insurance has increased scrutiny on death care businesses, particularly around pre-need trust funds and consumer protection.


Risk management for a cemetery isn't just about buying policies. It starts with understanding where claims actually originate: slip-and-fall injuries on wet grass, property damage from tree roots displacing monuments, workers comp claims from repetitive motion injuries among groundskeepers, and even lawsuits from families alleging misidentified plots. Each of these requires a different type of coverage, and missing even one can leave a dangerous gap.

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

Core Liability Protections for Daily Operations

General Liability for Visitor Safety

General liability is the foundation of any cemetery insurance program. It covers bodily injury and property damage claims from third parties, which in a cemetery context means visitors, mourners, delivery drivers, and anyone else on your grounds who isn't an employee.


The most common GL claims for cemeteries involve trip-and-fall incidents. Sunken graves, uneven walkways, loose gravel paths, and protruding marker edges all create hazards. A typical cemetery GL policy should carry at least $1 million per occurrence and $2 million aggregate, though South Carolina cemeteries with high foot traffic or event hosting may want higher limits. Claims severity across the property insurance sector has been reaching all-time highs, and commercial liability trends have followed a similar trajectory.


One thing to keep in mind: GL won't cover mistakes in your professional services. That's where the next layer comes in.

Professional Liability and Errors & Omissions

Professional liability, often called errors and omissions (E&O), covers claims arising from mistakes in your professional duties. For a cemetery, that could mean burying someone in the wrong plot, losing deed records, failing to maintain a grave per contractual obligations, or mishandling pre-need arrangements.


These claims can get expensive fast. A recent court ruling found that a cemetery's coverage dispute survived a courtesy defense motion, underscoring how contested these claims become. E&O coverage is especially critical if your cemetery sells pre-need contracts, because the gap between the sale and the service could span decades, and a lot can go wrong in between.

Cyber Liability for Digital Records

Many cemetery operators have digitized their records, from plot maps to payment processing to genealogy databases. That digital footprint creates cyber exposure. A ransomware attack locking you out of burial records or a data breach exposing customer financial information can trigger notification requirements under South Carolina's data breach laws.


Cyber liability policies cover breach response costs, legal defense, regulatory fines, and sometimes business interruption losses from a cyber event. Even smaller cemeteries processing credit card payments should carry at least a basic cyber policy. The cost is typically modest, often $500 to $2,000 annually for a small to mid-size operation, but the protection is significant.

Protecting Physical Assets and Infrastructure

Commercial Property and Headstone Coverage

Standard commercial property insurance covers your buildings, office contents, maintenance sheds, and equipment. But here's where cemeteries get tricky: headstones, monuments, and mausoleums may or may not be covered under a standard policy.


Most general commercial property forms exclude property belonging to others, which means the headstones families have purchased and you maintain could fall into a coverage gap. You need a policy or endorsement that specifically addresses monument and marker coverage, including damage from vandalism, storms, and tree falls. South Carolina's coastal counties face particular wind and hail exposure, and cemeteries in the Myrtle Beach or Charleston areas should ensure their property limits account for hurricane-related damage.


Environmental liability also deserves attention here. Older cemeteries may have soil contamination from embalming chemicals, and with shifting federal environmental enforcement, the financial responsibility increasingly falls on property owners rather than regulatory cleanup programs.

Inland Marine for Heavy Machinery

Backhoes, mini excavators, utility vehicles, and specialized lowering devices don't sit in one place. Inland marine insurance covers mobile equipment and tools that move around your property or travel between locations. If your cemetery operates across multiple sites, this coverage becomes essential.


A standard property policy typically covers equipment only at the listed location. Inland marine fills that gap, protecting your machinery wherever it's being used. Replacement costs for a compact excavator alone can run $30,000 to $80,000, so the premium, usually a small percentage of the equipment's value, is well worth it.

Boat and Watercraft Coverage for Weekend Adventures

Your homeowners policy might cover a small kayak or canoe, but anything with a motor typically needs its own policy. Boat insurance covers physical damage to the vessel, liability for injuries or property damage you cause on the water, and sometimes towing and salvage costs.


Lake-specific risks differ from coastal ones. A boat kept at Myrtle Beach faces saltwater corrosion, hurricane exposure, and higher theft rates than one stored at a private dock on Lake Wateree. Your policy should reflect where you keep and operate the boat. An independent agency like CSP Insurance Services can compare quotes across multiple marine carriers to find coverage that actually matches your boating habits rather than forcing you into a one-size-fits-all plan.

Boat and Watercraft Coverage for Weekend Adventures

Your homeowners policy might cover a small kayak or canoe, but anything with a motor typically needs its own policy. Boat insurance covers physical damage to the vessel, liability for injuries or property damage you cause on the water, and sometimes towing and salvage costs.


Lake-specific risks differ from coastal ones. A boat kept at Myrtle Beach faces saltwater corrosion, hurricane exposure, and higher theft rates than one stored at a private dock on Lake Wateree. Your policy should reflect where you keep and operate the boat. An independent agency like CSP Insurance Services can compare quotes across multiple marine carriers to find coverage that actually matches your boating habits rather than forcing you into a one-size-fits-all plan.

Feature Admitted (Standard) Carriers Non-Admitted (E&S) Carriers
State regulation Fully regulated; rates filed with state Exempt from rate filing; flexible pricing
Guaranty fund protection Yes: state fund covers claims if carrier fails No: no guaranty fund backstop
Policy forms Standardized (ISO forms common) Manuscript or custom forms
Risk appetite Prefers low-to-moderate risk Accepts high-risk and unusual exposures
Premium cost Generally lower Typically 20-75% higher
Surplus lines tax Not applicable Buyer pays state surplus lines tax (varies 2-5%)
Speed of placement Standard timelines Can be faster or slower depending on complexity

Comparing Standard vs. Cemetery-Specific Policies

A general business policy and a cemetery-tailored policy can look similar on the surface, but the differences matter when a claim hits. An independent agency like CSP Insurance Services can compare options across multiple carriers, which is particularly valuable for niche industries where one-size-fits-all policies leave gaps.

Table: General Liability vs. Professional Liability

Feature General Liability Professional Liability (E&O)
What it covers Bodily injury, property damage to third parties Errors, omissions, or negligence in professional services
Common cemetery claims Visitor slip-and-fall, falling headstone injury Wrong plot burial, lost records, contract disputes
Typical limits $1M per occurrence / $2M aggregate $500K to $2M per claim
Who needs it Every cemetery Cemeteries selling pre-need contracts or managing records
Covers legal defense? Yes Yes
Covers completed operations? Yes (with endorsement) Yes, including past services

The key takeaway from this comparison: you need both. GL handles the physical world, and E&O handles the service and administrative side. Skipping either one leaves a real hole in your protection.

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.

Managing Your Workforce and Fleet

Workers Compensation for Groundskeeper Safety

South Carolina requires workers compensation for businesses with four or more employees, but even smaller cemetery operations should carry it voluntarily. Groundskeeping is physically demanding work: repetitive digging, heavy lifting, exposure to extreme heat in South Carolina summers, and operation of power equipment all create injury risk.


Workers comp covers medical expenses, lost wages, and rehabilitation costs for injured employees. The classification code for cemetery workers typically falls under landscaping or grounds maintenance, which carries moderate premium rates. What drives your actual cost is your experience modification rate, which reflects your claims history. A clean safety record can reduce premiums by 20% or more.


Training matters here. Documenting safety protocols for equipment operation, heat illness prevention, and proper lifting techniques doesn't just reduce injuries: it also demonstrates due diligence if a claim arises.

Commercial Auto for Hearses and Service Trucks

If your cemetery operates hearses, utility trucks, or any vehicles used for business purposes, you need commercial auto insurance. South Carolina's minimum auto liability limits are 25/50/25 ($25,000 per person/$50,000 per accident for bodily injury, $25,000 for property damage), but those minimums are dangerously low for a commercial operation.


Commercial auto rates have been climbing steadily due to rising repair costs and litigation trends, so shopping this coverage across carriers is worth the effort. An independent agency with access to multiple markets can often find better rates than going direct to a single carrier. Fleet telematics and driver safety programs are also helping some businesses reduce their premiums by demonstrating lower risk profiles.


Make sure your policy covers hired and non-owned auto liability too. If an employee runs an errand in their personal vehicle for cemetery business and causes an accident, your cemetery could be liable.

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 Cemetery Coverage

FAQ: Costs, Claims, and Requirements

How much does cemetery insurance cost in South Carolina? Costs vary widely based on acreage, number of employees, revenue, and claims history. A small family cemetery might pay $3,000 to $6,000 annually for a basic package, while a large memorial park with multiple employees and vehicles could see premiums of $15,000 to $40,000 or more.


Does South Carolina require cemeteries to carry insurance? There's no blanket state mandate for cemetery liability insurance, but workers comp is required for employers with four or more workers. Some municipalities and perpetual care trust requirements may impose additional insurance obligations.


What's the most common claim type for cemeteries? Slip-and-fall injuries from visitors account for the majority of general liability claims. On the professional liability side, plot misidentification and record-keeping errors are the most frequent issues.


Are headstones and monuments covered under standard property insurance? Usually not. Most standard policies exclude property belonging to others. You'll need a specific endorsement or a cemetery-tailored policy to cover monuments owned by families.


Do I need commercial auto if I only have one truck? Yes. If any vehicle is titled to the business or used regularly for business purposes, it should be on a commercial auto policy. Personal auto policies typically exclude business use.


Should I carry umbrella or excess liability coverage? For most cemeteries, yes. An umbrella policy provides additional limits above your GL, auto, and employer's liability. Given that a single serious injury claim can exceed $1 million, umbrella coverage is a smart investment.

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.

Securing the Right Protection for Your Grounds

Cemetery coverage isn't something you can piece together from generic policies and hope for the best. The industry's unique combination of public access, heavy equipment, long-term contractual obligations, and sensitive records demands a tailored approach. Missing a single coverage type, whether it's E&O for a record-keeping error or inland marine for a backhoe that travels between sites, can turn a manageable incident into a financial crisis.


The smartest move is working with an independent agency that understands both the death care industry and South Carolina's specific regulatory environment. CSP Insurance Services has been helping businesses across the state build customized coverage programs since 1939, and their team can compare options from multiple carriers to find the right fit for your cemetery's size and risk profile.


If you're unsure whether your current coverage has gaps, or if you're setting up a new policy from scratch, request a quote to get a no-pressure review of your options. The worst time to discover a coverage gap is after a claim has already been filed.

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.

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

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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.

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.

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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