South Carolina Convenience Store 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.

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Claims history

A single slip-and-fall lawsuit can cost a convenience store owner more than an entire year's revenue. Toss in a fuel spill, an employee injury, or a hurricane tearing through the Lowcountry, and you're looking at the kind of financial hit that shutters businesses for good. South Carolina's roughly 4,500 convenience stores face a unique combination of risks: high foot traffic, alcohol sales, fuel operations, coastal weather exposure, and late-night crime. Getting the right insurance coverage isn't just a box to check - it's the difference between surviving a bad month and closing your doors permanently.


This guide breaks down the essential policies for convenience store insurance in South Carolina, covering everything from general liability and workers comp to industry-specific protections you won't find in a standard business owner's policy. Whether you run a single location in Florence or a chain along the Grand Strand, the coverage decisions you make now will define how your business weathers whatever comes next.

Essential Insurance Coverages for South Carolina Convenience Stores

Running a c-store means juggling dozens of risk categories simultaneously. A customer burns themselves on coffee. A delivery driver rear-ends someone on I-26. An employee slips on a freshly mopped floor. Each of these scenarios triggers a different type of insurance claim, and each requires a different policy to respond. The three foundational coverages below form the backbone of any South Carolina convenience store insurance program.

General Liability and Premises Risks

General liability (GL) is your first line of defense against third-party claims. It covers bodily injury, property damage, and personal injury (like libel or slander) that occur on your premises or result from your operations. For convenience stores, the most common GL claims involve slip-and-fall injuries, foodborne illness from prepared items, and damage caused by products you sell.


Most South Carolina c-store owners carry between $1 million and $2 million in GL coverage per occurrence. That sounds like a lot until you consider that a single premises liability lawsuit involving a serious injury can easily exceed $500,000 in medical costs and legal fees. A comprehensive overview of convenience store insurance needs highlights how premises risks rank among the top claim drivers in the industry.


One mistake I see often: store owners assume their GL policy covers everything. It doesn't. Product liability for contaminated food, assault claims from inadequate security, and alcohol-related incidents all require specific endorsements or separate policies.

South Carolina Workers Compensation Requirements

South Carolina requires workers compensation coverage for any business with four or more employees. Given that most convenience stores operate with at least that many staff across multiple shifts, this isn't optional for the vast majority of owners. Workers comp covers medical expenses, lost wages, and rehabilitation costs when an employee is injured on the job.


The South Carolina Workers' Compensation Commission recently approved the 2026 maximum weekly compensation rate, which affects how much injured workers can receive in benefits. Your premiums are calculated based on your payroll, your industry classification code, and your experience modification rate. Convenience stores typically fall into classification codes that reflect their retail and food service operations.


Common injuries in c-stores include back strains from stocking shelves, cuts from box cutters, burns from food preparation equipment, and repetitive stress injuries from register work. A strong safety program can reduce your experience mod and lower your premiums over time.

Commercial Auto for Delivery and Business Tasks

If your store makes deliveries, sends employees to the bank, or uses vehicles for any business purpose, you need commercial auto insurance. South Carolina's minimum auto liability limits are 25/50/25 - that's $25,000 per person for bodily injury, $50,000 per accident, and $25,000 for property damage. Those minimums are dangerously low for a business.


Most insurance advisors recommend carrying at least $500,000 in combined single-limit coverage for commercial vehicles. If employees use personal vehicles for store errands, you'll also want hired and non-owned auto coverage to fill the gap between their personal policy and your business exposure.

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

Industry-Specific Protections for Gas and Retail Operations

Standard business policies leave significant gaps for convenience stores. The risks tied to fuel sales, alcohol service, and perishable inventory require specialized endorsements or standalone policies that many general agents overlook.

Liquor Liability for Alcohol Sales

Selling beer, wine, or spirits creates a distinct liability exposure. South Carolina's dram shop laws hold establishments accountable when they sell alcohol to visibly intoxicated individuals who then cause harm. The state's legal framework around this shifted significantly this year.


Under the 2026 liquor liability reforms signed by Governor McMaster, South Carolina establishments are now responsible for only 50% of damages if found partially liable alongside a drunk driver. This is a meaningful change from prior law, where a store could be held responsible for a much larger share. The updated dram shop provisions still carry real teeth, though - a 50% share of a catastrophic accident can easily reach seven figures.


Liquor liability coverage is typically excluded from standard GL policies. You'll need a separate endorsement or standalone policy, and many carriers require proof that your staff has completed responsible vendor training before they'll write the coverage.

Fuel Pump and Environmental Pollution Coverage

If your store has gas pumps, you're sitting on one of the most expensive potential liabilities in the retail world. Underground storage tank leaks can contaminate soil and groundwater, triggering cleanup costs that routinely exceed $1 million. South Carolina's Department of Health and Environmental Control (DHEC) enforces strict remediation standards, and tank owners bear the financial responsibility.


Pollution liability insurance covers cleanup costs, third-party bodily injury claims from contamination, and legal defense expenses. Standard commercial property and GL policies explicitly exclude pollution events, so this coverage must be purchased separately. If you've acquired a location with older tanks, get an environmental site assessment before closing - inheriting someone else's contamination problem is a nightmare scenario.

Spoilage and Equipment Breakdown

Convenience stores depend on refrigeration, HVAC systems, and food prep equipment running around the clock. When a compressor fails on a July afternoon in Columbia, you can lose thousands of dollars in perishable inventory within hours. Spoilage coverage reimburses you for the cost of inventory lost due to equipment failure or power outage.


Equipment breakdown insurance (sometimes called boiler and machinery coverage) pays for the repair or replacement of failed mechanical and electrical equipment. This is separate from your property policy, which typically covers damage from external causes like fire or wind but not internal mechanical failure. A single walk-in cooler replacement can run $8,000 to $15,000 - well worth insuring against.

Comparing Coverage Needs: Basic vs. Comprehensive Plans

Not every store needs the same level of protection. A small store without gas pumps or alcohol sales has a very different risk profile than a high-volume location on US-17 with fuel islands and a beer cave. Here's how the two approaches compare:

Coverage Type Basic Plan Comprehensive Plan
General Liability $1M per occurrence $2M per occurrence with umbrella
Property Building and contents Building, contents, signs, and business income
Workers Comp State minimum State minimum plus employer's liability
Commercial Auto 25/50/25 state minimums $1M combined single limit
Liquor Liability Not included $1M dedicated policy
Pollution/Environmental Not included $1M+ tank and pollution coverage
Spoilage/Equipment Not included Included with low deductible
Crime/Employee Theft Basic fidelity bond Comprehensive crime policy
Cyber Liability Not included Included (POS data breach)

The basic plan works for a small, no-frills operation. But if you sell alcohol, pump gas, or process credit cards - which describes most South Carolina c-stores - you're leaving major gaps that a single incident could exploit. An independent agency like CSP Insurance Services can run quotes across multiple carriers to show you exactly where the cost-benefit line falls for your specific operation.

Boat and Watercraft Coverage for Weekend Adventures

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


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

Boat and Watercraft Coverage for Weekend Adventures

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


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

Feature Admitted (Standard) Carriers Non-Admitted (E&S) Carriers
State regulation Fully regulated; rates filed with state Exempt from rate filing; flexible pricing
Guaranty fund protection Yes: state fund covers claims if carrier fails No: no guaranty fund backstop
Policy forms Standardized (ISO forms common) Manuscript or custom forms
Risk appetite Prefers low-to-moderate risk Accepts high-risk and unusual exposures
Premium cost Generally lower Typically 20-75% higher
Surplus lines tax Not applicable Buyer pays state surplus lines tax (varies 2-5%)
Speed of placement Standard timelines Can be faster or slower depending on complexity
Feature Bare Walls Coverage All-In Coverage
Association covers Structure, roof, exterior walls, common areas Structure plus original interior finishes (drywall, flooring, cabinets, fixtures)
Unit owner covers Everything from studs inward, including original finishes Only personal property and owner-made upgrades
Typical premium impact Lower master policy premium Higher master policy premium
Unit owner HO-6 cost Higher (more responsibility) Lower (less to insure individually)
Claim confusion risk Moderate: owners sometimes assume more is covered Lower: clearer division of responsibility
Best for Associations wanting lower shared costs Associations wanting simpler claims processing

Managing Risks Specific to the Palmetto State

South Carolina's geography and crime patterns create exposures that stores in other states simply don't face. Ignoring these risks doesn't make them go away - it just means you'll pay for them out of pocket.

Hurricane and Windstorm Considerations

Coastal counties from Horry down to Beaufort sit squarely in hurricane territory, and even inland locations in Florence and Columbia aren't immune to tropical storm damage. Most commercial property policies in South Carolina include a separate wind/hail deductible for named storms, typically 2% to 5% of the insured value. On a $500,000 building, that's a $10,000 to $25,000 out-of-pocket hit before coverage kicks in.


Flood insurance is a separate policy entirely, purchased through the National Flood Insurance Program or a private carrier. If your store sits in a FEMA-designated flood zone, your lender will require it. Even if you're outside a mapped zone, consider it anyway - roughly 25% of flood claims come from properties outside high-risk areas. The South Carolina Department of Insurance publishes bulletins that address market conditions and regulatory updates affecting windstorm and property coverage.

Crime and Theft Prevention Strategies

Convenience stores are among the most frequently robbed retail businesses in the country. Late-night hours, cash on hand, and limited staffing make them targets. South Carolina stores in urban corridors around Columbia, North Charleston, and parts of Myrtle Beach face elevated crime exposure.


A commercial crime policy covers employee theft, robbery, burglary, and forgery. But insurance is only half the equation. Carriers will often discount your premiums if you implement specific loss-prevention measures: surveillance cameras with cloud backup, drop safes that limit register cash to under $50, two-clerk policies during overnight hours, and well-lit parking areas. These aren't just insurance requirements - they're practical steps that reduce the likelihood you'll ever need to file a claim.

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.

Common Questions About C-Store Insurance in SC

How much does convenience store insurance cost in South Carolina? Annual premiums typically range from $5,000 to $20,000+ depending on your location, revenue, number of employees, and whether you sell fuel or alcohol. Coastal locations and stores with gas pumps pay more.


Do I need liquor liability insurance if I only sell beer and wine? Yes. South Carolina's dram shop laws apply to all alcohol sales, not just hard liquor. A separate liquor liability policy or endorsement is strongly recommended.


Is flood insurance included in my commercial property policy? No. Flood coverage requires a separate policy. This is true regardless of your flood zone designation.


What happens if I have fewer than four employees - do I still need workers comp? South Carolina's threshold is four or more employees. Below that, it's not required by law, but it's still a smart purchase. A single workplace injury claim without coverage can be financially devastating.


Does my business auto policy cover employees using their own cars for store errands? Not automatically. You need hired and non-owned auto coverage added to your commercial auto policy to cover this gap.


How do I lower my workers comp premiums? Focus on workplace safety. Implement training programs, maintain clean and organized stockrooms, and report claims promptly. A lower experience modification rate directly reduces your annual premium.

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

Making the Right Choice for Your Store

The right insurance program for a South Carolina convenience store isn't a one-size-fits-all package. It's a tailored combination of policies that reflects your actual operations: what you sell, where you're located, how many people you employ, and what assets you need to protect. Skipping coverage to save a few hundred dollars a year is a gamble that rarely pays off.


CSP Insurance Services has been helping South Carolina business owners build customized coverage programs since 1939. Because they work with multiple carriers as an independent agency, they can compare options and find policies that fit your budget without leaving critical gaps. If you're opening a new location, renewing an existing policy, or just want a second opinion on what you're paying, request a quote and get a clear picture of where your coverage stands. A 15-minute conversation now can save you from a six-figure headache later.

About the author

Lawson Walker, CIC

I'm proud to be part of an agency that's served Florence since 1939. CSP Insurance Services started as Cormell-Streett & Patterson, built by people who believed insurance should be personal — and more than eight decades later, that conviction still drives everything we do. Commitment, Service, Protection isn't just what CSP stands for; it's how I approach every client relationship.


As an independent, Trusted Choice agency, we aren't tied to any single carrier. That means I work for you — shopping multiple companies to match you with coverage that actually fits your family, your business, and your budget. No call centers, no chatbots. Just a local expert who takes the time to understand what matters to you and stands by you when it counts.


Whether you're protecting your home, your car, or a business you've spent years building, I'd be glad to help you find the right coverage.

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

◆

80+ years local experience

1939

Serving SC

Meet Richard

Most Requested

Core business coverage.

The policies most South Carolina businesses start with.

Commercial Property

Protect the building, equipment, and inventory your business runs on, so a covered fire, theft, or storm doesn’t become a closed door.

Workers Compensation

Required for most South Carolina employers with staff. It covers medical bills and lost wages when an employee is hurt on the job.

Commercial Auto

Cars, trucks, and fleets used for work need more than a personal policy. This handles liability, damage, and your drivers.

General Liability

Accidents happen on the job and on your property. General liability covers third-party injury and property damage claims against your business.

Inland Marine

Tools, equipment, and goods on the move aren’t covered by standard property policies. Inland marine protects them wherever they travel.

Business Owners (BOP)

A business owners policy bundles property and liability coverage into one package, often at a better price for small businesses.

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

◆

80+ years local experience

1939

Serving SC

Insurance Sales

J. Roger Jordan, CIC

Meet Richard

[CONFIRM bio]

Personal Insurance

Coverage for your home, vehicles, and family.

Protect what matters most with personal policies shopped across our carriers.

Home

Your house is likely your largest investment. Home insurance helps rebuild after covered damage and protects you from liability.

Auto

South Carolina drivers need real protection. Auto coverage handles liability, collision, medical costs, and uninsured drivers.

Umbrella

When a serious claim climbs past your home or auto limits, umbrella coverage adds an extra layer of liability protection.

Boat

Time on the water should be worry-free. Boat coverage protects your vessel, your passengers, and your liability on the lake or coast.

Motorcycle

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

Condo

Your association covers the building, but not what’s inside. Condo insurance protects your belongings, improvements, and liability.

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

◆

80+ years local experience

1939

Serving SC

Insurance Sales

J. Roger Jordan, CIC

Meet Richard

[CONFIRM bio]

Get a Quote

Boat

Your association covers the building, but not what’s inside. Condo insurance protects your belongings, improvements, and liability.

Time on the water should be worry-free. Boat coverage protects your vessel, your passengers, and your liability on the lake or coast.

Condo

Get a Quote

Motorcycle

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

Get a Quote

Industries We Serve

Specialized coverage for your industry.

Every industry carries its own risk. We help South Carolina businesses protect what they've built.

Restaurants

Kitchens, customers, and staff create daily exposure. We protect your property, equipment, liquor liability, and employees.

Manufacturers

From equipment breakdown to product liability, manufacturers face risk on the floor and beyond. We help cover property, machinery, and goods.

Healthcare Providers

Practices and clinics carry patient, property, and professional risk. We help cover liability, equipment, and the people who run your practice.

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

◆

80+ years local experience

1939

Serving SC

Commercial Property

Protect the building, equipment, and inventory your business runs on, so a covered fire, theft, or storm doesn’t become a closed door.

Meet Richard View all business coverage Get a Quote

Commercial Auto

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Cars, trucks, and fleets used for work need more than a personal policy. This handles liability, damage, and your drivers.

How It Works

Getting covered is simple.

Four steps, one real person from start to finish.

Tell us about you

Share a few details about what you need to protect. A real person reviews it.

We compare carriers

We shop options across our carriers to find strong protection at a fair price.

We recommend coverage

We walk you through the policy in plain language and answer every question.

You get covered

Sign with confidence — and we stay on for changes, claims, and yearly reviews.

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

Multi-carrier choice

Claims advocacy

When a claim happens, we stand in your corner and help move it forward with your carrier.

Local SC roots

We live and work in Florence and understand the risks your community faces because we face them too.

Client Reviews

Why clients choose CSP.

Independent advice, real people, and decades of local roots.

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

◆

80+ years local experience

1939

Serving SC

Insurance Sales

J. Roger Jordan, CIC

Meet Richard

[CONFIRM bio]

Get a Quote

Boat

Your association covers the building, but not what’s inside. Condo insurance protects your belongings, improvements, and liability.

Time on the water should be worry-free. Boat coverage protects your vessel, your passengers, and your liability on the lake or coast.

Condo

Get a Quote

Motorcycle

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

Get a Quote

FAQs

Questions, answered.

Straight answers about working with an independent agency.

  • What does an independent insurance agency do?

    An independent agency represents several carriers instead of one. We compare coverage and pricing across companies, then recommend the policy that fits you best.

  • Do you cover both personal and business insurance?

    Yes. CSP writes personal lines like home and auto, and commercial lines for businesses across South Carolina.

  • How long has CSP been in business?

    CSP traces its roots to 1939, with more than 80 years serving South Carolina families and businesses.

  • Will I work with a real person?

    Always. No call centers and no chatbots — you work with a local team member who knows your account.

  • Which areas do you serve?

    We’re based in Florence and serve clients statewide, including Myrtle Beach, Rock Hill, and Columbia.

  • How do I get a quote?

    Request a quote online, call us, or stop by the office. A real person will review your needs and follow up.

How It Works

Insurance tips & updates.

Plain-language guidance to help you make confident decisions.

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

◆

80+ years local experience

1939

Serving SC

Insurance Sales

J. Roger Jordan, CIC

Meet Richard

[CONFIRM bio]

Get a Quote

Boat

Your association covers the building, but not what’s inside. Condo insurance protects your belongings, improvements, and liability.

Time on the water should be worry-free. Boat coverage protects your vessel, your passengers, and your liability on the lake or coast.

Condo

Get a Quote

Motorcycle

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

Get a Quote

Get a Quote

Let's find your coverage.

Tell us a little about what you need to protect. A real person from our Florence team will review it and follow up.

2420 Hoffmeyer Road, Suite D
Florence, SC 29501

Mon–Fri 8:30am – 5:00pm