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
Running a dental practice in South Carolina means juggling patient care, staffing, equipment costs, and a dozen other things before you even think about insurance. But here's the reality: South Carolina ranks among the top states for dental malpractice reports, with roughly 2.93 reports per 100 dentists. That stat alone should make any practice owner sit up and pay attention. Whether you're operating a solo office in Florence, managing a multi-location group across the Midlands, or running a mobile dental clinic near Myrtle Beach, the right insurance coverage isn't optional: it's the difference between surviving a bad claim and closing your doors. This guide breaks down the essential policies every South Carolina dental practice needs, from general liability and workers' comp to specialized coverages like cyber liability and flood insurance. The goal isn't to sell you the most expensive package possible. It's to help you understand what you actually need, what the state requires, and where the gaps tend to hide. Because in my experience, the practices that get burned aren't the ones without any insurance: they're the ones with the wrong insurance, or policies that looked fine on paper until a claim came in.
Essential Insurance Requirements for South Carolina Dentists
South Carolina has specific mandates that dental practices can't ignore. The state requires workers' compensation for any business with four or more employees, and most dental offices hit that threshold fast once you count hygienists, assistants, front desk staff, and associates. General liability is technically not mandated by the state, but good luck signing a lease or getting credentialed with an insurance network without it. And professional liability (malpractice) insurance? No state law forces you to carry it, but practicing without it is like driving without brakes.
The South Carolina Department of Insurance oversees commercial policy requirements, and the Workers' Compensation Commission sets annual benefit rates. Staying current on both matters, especially as regulations shift year to year.
South Carolina Workers' Compensation Laws for Small Practices
If your practice employs four or more people, you need workers' comp. Period. The South Carolina Workers' Compensation Commission approved the 2026 maximum weekly compensation rate, which affects what injured employees can receive and what your premiums look like. Dental offices face specific risks: needle sticks, repetitive motion injuries from scaling, slips on wet floors. These claims add up.
One common mistake I see: practice owners who classify themselves as exempt from coverage because they're the sole dentist-owner. That's fine for you personally, but it doesn't exempt the rest of your team. And if an uninsured hygienist injures their wrist and can't work, you're on the hook for medical bills and lost wages out of pocket.
Professional Liability vs. General Liability Requirements
These two policies cover very different scenarios, and you need both. Professional liability (malpractice) covers claims arising from your clinical work: a botched extraction, a missed diagnosis, an allergic reaction to anesthesia. General liability covers everything else that happens on your premises: a patient trips in the parking lot, your sign falls on someone's car, or a visitor slips on a freshly mopped floor.
General liability premiums in South Carolina typically range based on your practice size and location, with coastal practices often paying more due to higher foot traffic and property values. Malpractice premiums depend on your specialty, claims history, and whether you perform oral surgery or stick to general dentistry. A periodontist doing implant placements will pay significantly more than a general dentist doing cleanings and fillings.
Your CSP agent
Lawson Walker, CIC
Insurance Sales
On this page
CSP Insurance Services is a fully licensed independent insurance agency serving individuals, families, and businesses across South Carolina.
From our home in Florence, we proudly serve clients in Florence, Myrtle Beach, Rock Hill, Columbia, and communities throughout South Carolina. As an independent Trusted Choice agency, our team works with a wide range of top-rated carriers to provide personal and commercial coverage — home, auto, business, life, and more — tailored to the real needs of the people and businesses we protect.
Boat and Watercraft Coverage for Weekend Adventures
Your homeowners policy might cover a small kayak or canoe, but anything with a motor typically needs its own policy. Boat insurance covers physical damage to the vessel, liability for injuries or property damage you cause on the water, and sometimes towing and salvage costs.
Lake-specific risks differ from coastal ones. A boat kept at Myrtle Beach faces saltwater corrosion, hurricane exposure, and higher theft rates than one stored at a private dock on Lake Wateree. Your policy should reflect where you keep and operate the boat. An independent agency like CSP Insurance Services can compare quotes across multiple marine carriers to find coverage that actually matches your boating habits rather than forcing you into a one-size-fits-all plan.
| Feature | Admitted (Standard) Carriers | Non-Admitted (E&S) Carriers |
|---|---|---|
| State regulation | Fully regulated; rates filed with state | Exempt from rate filing; flexible pricing |
| Guaranty fund protection | Yes: state fund covers claims if carrier fails | No: no guaranty fund backstop |
| Policy forms | Standardized (ISO forms common) | Manuscript or custom forms |
| Risk appetite | Prefers low-to-moderate risk | Accepts high-risk and unusual exposures |
| Premium cost | Generally lower | Typically 20-75% higher |
| Surplus lines tax | Not applicable | Buyer pays state surplus lines tax (varies 2-5%) |
| Speed of placement | Standard timelines | Can be faster or slower depending on complexity |
| Feature | Basic Liability Only | Full Coverage |
|---|---|---|
| Bodily injury liability | State minimum (25/50) | Higher limits (100/300+) |
| Property damage liability | $25,000 | $100,000+ |
| Collision (your vehicle) | Not included | Included |
| Comprehensive (theft, weather) | Not included | Included |
| Uninsured motorist | Optional | Typically included |
| Rental car reimbursement | Not included | Often included |
| Typical annual cost (SC) | $600-$900 | $1,400-$2,200 |
The price difference is real, but so is the coverage gap. If you're financing or leasing a vehicle, your lender will require full coverage anyway.
| Feature | HMO | PPO | HDHP with HSA |
|---|---|---|---|
| Network Flexibility | Must use in-network providers; referrals needed | In-network and out-of-network options | Broad network; works like PPO |
| Monthly Premiums | Lowest | Highest | Moderate |
| Out-of-Pocket Costs | Low copays | Moderate copays/coinsurance | High deductible before coverage kicks in |
| Best For | Employees who want low costs and don't mind restrictions | Employees who want provider choice | Younger, healthier employees; tax-savvy savers |
| HSA Eligible | No | No | Yes |
Core Coverage Comparison: Protecting Your Assets and Staff
Understanding how different policies interact is half the battle. Too many practice owners buy coverage piecemeal without seeing how the pieces fit together: or where the gaps are. A common insurance gap for small businesses in 2026 is underinsuring business personal property, which for a dental office includes expensive imaging equipment, chairs, sterilization units, and digital systems that can easily total $200,000 or more.
An independent agency like CSP Insurance Services can pull quotes from multiple carriers and compare them side by side, which is exactly the kind of analysis you need when coverage details vary so much between insurers.
Comparison Table: Liability and Property Coverage Limits
| Coverage Type | What It Covers | Typical Limits | Required in SC? |
|---|---|---|---|
| General Liability | Bodily injury, property damage on premises | $1M per occurrence / $2M aggregate | Not by law, but by most leases and contracts |
| Professional Liability | Malpractice, clinical errors | $1M per claim / $3M aggregate | Not by law, but essential |
| Workers' Compensation | Employee injuries on the job | Per state statutory limits | Yes, for 4+ employees |
| Commercial Property | Building, equipment, inventory | Replacement cost varies | Not by law, but required by lenders |
| Business Income | Lost revenue during closure | 12-month coverage typical | No |
| Commercial Auto | Vehicles used for business | SC minimum: 25/50/25 | Yes, for business-owned vehicles |
| Feature | Basic Coverage | Extended Coverage |
|---|---|---|
| Liability | State minimums (25/50/25 in SC) | $500K-$1M+ limits |
| Collision | Often excluded or high deductible | Included with lower deductible |
| Comprehensive | May be excluded | Included (theft, weather, vandalism) |
| HNOA | Not included | Typically included |
| Uninsured Motorist | State minimum only | Higher limits available |
| Roadside/Towing | Not included | Available as add-on |
| Rental Reimbursement | Not included | Available as add-on |
For a restaurant owner in Florence with one delivery vehicle, basic coverage might seem sufficient. But if that driver causes a serious injury, the state minimum liability won't come close to covering the medical bills and legal costs. Extended coverage costs more upfront but prevents the kind of catastrophic out-of-pocket expense that closes businesses.
Specialized Policies for Modern Dental Practices
Standard policies cover the basics, but dental practices in 2026 face risks that didn't exist a decade ago. Digital patient records, teledentistry consultations, mobile clinics, and social media marketing all create exposure that a basic business owner's policy won't touch. The dental market trends shaping 2026 include rising costs for materials and labor, increased reliance on digital workflows, and growing patient expectations around technology: all of which create new insurance considerations.
Cyber Liability and HIPAA Compliance Protection
Every dental practice stores protected health information. Every single one. That makes you a target for data breaches and a candidate for HIPAA violation fines. A cyber liability policy covers the cost of breach notification, credit monitoring for affected patients, forensic investigation, legal defense, and regulatory fines.
Here's what catches people off guard: a single HIPAA violation can carry fines from $100 to $50,000 per incident, with annual maximums reaching $1.5 million per violation category. Your general liability policy won't cover this. Neither will your malpractice policy. You need a standalone cyber policy, and for most dental practices, premiums run between $1,000 and $3,000 annually: a fraction of what a single breach would cost.
If you're using cloud-based practice management software, digital imaging, or offering patient portal access, cyber coverage isn't a luxury. It's a line item that belongs in your operating budget right next to payroll.
Cyber Liability and HIPAA Compliance Protection
Every dental practice stores protected health information. Every single one. That makes you a target for data breaches and a candidate for HIPAA violation fines. A cyber liability policy covers the cost of breach notification, credit monitoring for affected patients, forensic investigation, legal defense, and regulatory fines.
Here's what catches people off guard: a single HIPAA violation can carry fines from $100 to $50,000 per incident, with annual maximums reaching $1.5 million per violation category. Your general liability policy won't cover this. Neither will your malpractice policy. You need a standalone cyber policy, and for most dental practices, premiums run between $1,000 and $3,000 annually: a fraction of what a single breach would cost.
If you're using cloud-based practice management software, digital imaging, or offering patient portal access, cyber coverage isn't a luxury. It's a line item that belongs in your operating budget right next to payroll.
Commercial Auto for Mobile Clinics and Business Errands
South Carolina requires minimum auto liability limits of 25/50/25 for any vehicle, but if you're using a vehicle for business purposes: delivering supplies between offices, transporting equipment, or operating a mobile dental unit: your personal auto policy won't cover it. A commercial auto policy fills that gap.
Mobile dentistry is growing across South Carolina, particularly in underserved rural areas. If you run a mobile clinic visiting schools or nursing homes in the Pee Dee region or Lowcountry, your vehicle is essentially a rolling dental office. The coverage needs to reflect that, including protection for the equipment inside the vehicle, not just the vehicle itself.
Even if you don't run a mobile unit, think about whether employees ever drive their personal cars for practice errands: picking up lab cases, making bank deposits, running to the supply house. A hired and non-owned auto endorsement covers your practice if an employee causes an accident during a work-related errand in their own car.
Employment Practices Liability Insurance (EPLI)
Dental practices are small businesses, and small businesses are disproportionately targeted by employment-related claims. Wrongful termination, discrimination, sexual harassment, and wage disputes: these claims can come from current employees, former employees, or even job applicants. EPLI covers legal defense costs and settlements.
I've seen practices blindsided by claims from employees they thought left on good terms. A hygienist who was let go during a slow period files a discrimination complaint. A front desk employee claims they were passed over for promotion due to age. These situations are more common than most dentists realize, and defense costs alone can exceed $50,000 before you even get to a settlement. EPLI premiums for a small dental practice typically run $800 to $2,500 per year, depending on staff size and claims 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 |
Managing Risks Unique to the Palmetto State
South Carolina's geography creates insurance challenges that practices in landlocked states simply don't face. From Charleston to Myrtle Beach, coastal dental offices deal with hurricane exposure, flood risk, and windstorm damage that standard commercial property policies specifically exclude.
Coastal Considerations: Flood and Windstorm Coverage
Standard commercial property insurance in South Carolina excludes flood damage entirely. If your practice sits in a flood zone anywhere along the coast: or even in some inland areas near rivers: you need a separate flood policy through the National Flood Insurance Program or a private carrier. Dental equipment is expensive and sits at floor level, making it especially vulnerable to even minor flooding.
Wind and hail coverage is another sticking point. Many commercial property policies in coastal South Carolina counties carry separate wind/hail deductibles, often calculated as a percentage of the insured value rather than a flat dollar amount. A 2% wind deductible on a $500,000 building means you're paying the first $10,000 out of pocket on a wind claim. Practice owners in Horry, Georgetown, Charleston, and Beaufort counties should review these deductibles carefully.
Rising dental insurance premiums in 2026 are already squeezing practice margins, so adding flood and windstorm coverage feels like another hit. But the alternative: absorbing a six-figure loss from a hurricane or tropical storm: is far worse.
Specialty Lines: Flood, Earthquake, and Valuable Items
Flood insurance is a separate policy, typically written through FEMA's National Flood Insurance Program or a private carrier. If your home sits in a designated flood zone anywhere along the SC coast or near inland rivers, your mortgage lender will require it. But even homes outside mapped flood zones can flood: roughly 25% of flood claims come from properties in low-to-moderate risk areas.
Earthquake coverage is less common in South Carolina, but the state sits near the Charleston fault zone, which produced a magnitude 7.3 quake in 1886. A rider or standalone earthquake policy is worth considering if you're in the Lowcountry.
Scheduled personal property endorsements cover high-value items like jewelry, art, firearms, or musical instruments that exceed standard policy sub-limits. Most homeowners policies cap jewelry coverage at $1,500-$2,500 per item. If your engagement ring is worth $8,000, you need a scheduled endorsement or inland marine floater to cover the difference.
ERISA Requirements for Life Insurance Plans
If you offer employer-paid group life insurance, your plan almost certainly falls under the Employee Retirement Income Security Act. ERISA requires you to provide employees with a Summary Plan Description that explains benefits, eligibility, and claims procedures in plain language. You also need to file Form 5500 annually with the Department of Labor if your plan covers 100 or more participants. The ERISA compliance checklist for employers includes maintaining a written plan document, designating a plan fiduciary, and following proper claims and appeals procedures. Skipping any of these steps creates real liability.
South Carolina doesn't have its own mini-ERISA statute, so federal rules govern most employer-sponsored plans. But the SC Department of Insurance does regulate the carriers themselves, so make sure your insurer is licensed to operate in the state. Employers who fail to meet ERISA's fiduciary standards can face personal liability, not just corporate penalties.
Common Questions About Dental Practice Insurance
Do I need malpractice insurance if I only do general dentistry? Yes. General dentists face malpractice claims from procedures as routine as fillings and extractions. The risk is lower than for oral surgeons, but it's never zero.
Does my business owner's policy cover dental equipment? It covers some, but most standard BOPs cap equipment coverage at levels well below what a fully equipped operatory costs. Review your limits and consider an equipment breakdown endorsement.
How much general liability insurance does a dental office need in South Carolina? Most landlords and insurance networks require at least $1 million per occurrence and $2 million aggregate. Some hospital-affiliated practices require higher limits.
Is cyber liability insurance really necessary for a small dental practice? Absolutely. Any practice storing patient records digitally is a potential breach target, and HIPAA fines apply regardless of practice size.
Can I bundle my dental practice insurance policies? Yes, and you usually should. Bundling through a single carrier or agency often reduces premiums and eliminates coverage gaps between policies. An independent agency can package these efficiently since they work with multiple carriers to find the right fit for your specific situation.
What happens if an employee gets hurt and I don't have workers' comp? South Carolina can impose penalties, and you become personally liable for all medical costs and lost wages. It's not worth the risk.
Boat and Watercraft Coverage for Weekend Adventures
Your homeowners policy might cover a small kayak or canoe, but anything with a motor typically needs its own policy. Boat insurance covers physical damage to the vessel, liability for injuries or property damage you cause on the water, and sometimes towing and salvage costs.
Lake-specific risks differ from coastal ones. A boat kept at Myrtle Beach faces saltwater corrosion, hurricane exposure, and higher theft rates than one stored at a private dock on Lake Wateree. Your policy should reflect where you keep and operate the boat. An independent agency like CSP Insurance Services can compare quotes across multiple marine carriers to find coverage that actually matches your boating habits rather than forcing you into a one-size-fits-all plan.
Boat and Watercraft Coverage for Weekend Adventures
Your homeowners policy might cover a small kayak or canoe, but anything with a motor typically needs its own policy. Boat insurance covers physical damage to the vessel, liability for injuries or property damage you cause on the water, and sometimes towing and salvage costs.
Lake-specific risks differ from coastal ones. A boat kept at Myrtle Beach faces saltwater corrosion, hurricane exposure, and higher theft rates than one stored at a private dock on Lake Wateree. Your policy should reflect where you keep and operate the boat. An independent agency like CSP Insurance Services can compare quotes across multiple marine carriers to find coverage that actually matches your boating habits rather than forcing you into a one-size-fits-all plan.
| Feature | Admitted (Standard) Carriers | Non-Admitted (E&S) Carriers |
|---|---|---|
| State regulation | Fully regulated; rates filed with state | Exempt from rate filing; flexible pricing |
| Guaranty fund protection | Yes: state fund covers claims if carrier fails | No: no guaranty fund backstop |
| Policy forms | Standardized (ISO forms common) | Manuscript or custom forms |
| Risk appetite | Prefers low-to-moderate risk | Accepts high-risk and unusual exposures |
| Premium cost | Generally lower | Typically 20-75% higher |
| Surplus lines tax | Not applicable | Buyer pays state surplus lines tax (varies 2-5%) |
| Speed of placement | Standard timelines | Can be faster or slower depending on complexity |
Does this cover me if a hacker steals my data?
Not exactly. Crime insurance covers financial theft, like funds transferred fraudulently. Data breaches and the costs associated with them (notification, credit monitoring, regulatory fines) fall under cyber liability insurance. Some overlap exists with computer fraud coverage, but a standalone cyber policy is the right tool for data-related incidents. The FBI found that 85% of cybercrime losses in 2025 traced back to human error, which underscores why both crime and cyber policies matter.
Making the Right Choice for Your Practice
Dental practice insurance in South Carolina isn't a one-size-fits-all situation. A solo practitioner in Rock Hill has different needs than a multi-location group with mobile units serving the Grand Strand. The key is matching your actual risk profile to the right combination of policies: not over-insuring where you don't need to, and definitely not leaving gaps where a single claim could threaten everything you've built.
CSP Insurance Services has been helping South Carolina businesses find the right coverage since 1939, and their independent model means they can compare options across carriers rather than pushing a single company's products. If you're opening a new practice, expanding, or just haven't reviewed your policies in a while, it's worth having a conversation with someone who knows the South Carolina market. You can
request a quote to get a personalized look at what your practice actually needs: no call centers, no chatbots, just a real person who understands dental practice risk.
About the author
Lawson Walker, CIC
I'm proud to be part of an agency that's served Florence since 1939. CSP Insurance Services started as Cormell-Streett & Patterson, built by people who believed insurance should be personal — and more than eight decades later, that conviction still drives everything we do. Commitment, Service, Protection isn't just what CSP stands for; it's how I approach every client relationship.
As an independent, Trusted Choice agency, we aren't tied to any single carrier. That means I work for you — shopping multiple companies to match you with coverage that actually fits your family, your business, and your budget. No call centers, no chatbots. Just a local expert who takes the time to understand what matters to you and stands by you when it counts.
Whether you're protecting your home, your car, or a business you've spent years building, I'd be glad to help you find the right coverage.
We compare several carriers to find a policy that fits you, not one company's products.
◆
80+ years local experience
1939
Serving SC
Most Requested
Core business coverage.
The policies most South Carolina businesses start with.
Commercial Property
Protect the building, equipment, and inventory your business runs on, so a covered fire, theft, or storm doesn’t become a closed door.
Workers Compensation
Required for most South Carolina employers with staff. It covers medical bills and lost wages when an employee is hurt on the job.
Commercial Auto
Cars, trucks, and fleets used for work need more than a personal policy. This handles liability, damage, and your drivers.
General Liability
Accidents happen on the job and on your property. General liability covers third-party injury and property damage claims against your business.
Inland Marine
Tools, equipment, and goods on the move aren’t covered by standard property policies. Inland marine protects them wherever they travel.
Business Owners (BOP)
A business owners policy bundles property and liability coverage into one package, often at a better price for small businesses.
We compare several carriers to find a policy that fits you, not one company's products.
◆
80+ years local experience
1939
Serving SC
Insurance Sales
J. Roger Jordan, CIC
[CONFIRM bio]
Personal Insurance
Coverage for your home, vehicles, and family.
Protect what matters most with personal policies shopped across our carriers.
Home
Your house is likely your largest investment. Home insurance helps rebuild after covered damage and protects you from liability.
Auto
South Carolina drivers need real protection. Auto coverage handles liability, collision, medical costs, and uninsured drivers.
Umbrella
When a serious claim climbs past your home or auto limits, umbrella coverage adds an extra layer of liability protection.
Boat
Time on the water should be worry-free. Boat coverage protects your vessel, your passengers, and your liability on the lake or coast.
Motorcycle
Riders need coverage built for the road. Motorcycle insurance protects your bike, your gear, and you after an accident.
Condo
Your association covers the building, but not what’s inside. Condo insurance protects your belongings, improvements, and liability.
We compare several carriers to find a policy that fits you, not one company's products.
◆
80+ years local experience
1939
Serving SC
Insurance Sales
J. Roger Jordan, CIC
[CONFIRM bio]
Boat
Your association covers the building, but not what’s inside. Condo insurance protects your belongings, improvements, and liability.
Time on the water should be worry-free. Boat coverage protects your vessel, your passengers, and your liability on the lake or coast.
Condo
Motorcycle
Riders need coverage built for the road. Motorcycle insurance protects your bike, your gear, and you after an accident.
Industries We Serve
Specialized coverage for your industry.
Every industry carries its own risk. We help South Carolina businesses protect what they've built.
Restaurants
Kitchens, customers, and staff create daily exposure. We protect your property, equipment, liquor liability, and employees.
Manufacturers
From equipment breakdown to product liability, manufacturers face risk on the floor and beyond. We help cover property, machinery, and goods.
Healthcare Providers
Practices and clinics carry patient, property, and professional risk. We help cover liability, equipment, and the people who run your practice.
We compare several carriers to find a policy that fits you, not one company's products.
◆
80+ years local experience
1939
Serving SC
Commercial Property
Protect the building, equipment, and inventory your business runs on, so a covered fire, theft, or storm doesn’t become a closed door.
Commercial Auto
Cars, trucks, and fleets used for work need more than a personal policy. This handles liability, damage, and your drivers.
How It Works
Getting covered is simple.
Four steps, one real person from start to finish.
We compare carriers
We shop options across our carriers to find strong protection at a fair price.
We compare several carriers to find a policy that fits you, not one company's products.
Multi-carrier choice
Claims advocacy
When a claim happens, we stand in your corner and help move it forward with your carrier.
Local SC roots
We live and work in Florence and understand the risks your community faces because we face them too.
Client Reviews
Why clients choose CSP.
Independent advice, real people, and decades of local roots.
We compare several carriers to find a policy that fits you, not one company's products.
◆
80+ years local experience
1939
Serving SC
Insurance Sales
J. Roger Jordan, CIC
[CONFIRM bio]
Boat
Your association covers the building, but not what’s inside. Condo insurance protects your belongings, improvements, and liability.
Time on the water should be worry-free. Boat coverage protects your vessel, your passengers, and your liability on the lake or coast.
Condo
Motorcycle
Riders need coverage built for the road. Motorcycle insurance protects your bike, your gear, and you after an accident.
FAQs
Questions, answered.
Straight answers about working with an independent agency.
What does an independent insurance agency do?
An independent agency represents several carriers instead of one. We compare coverage and pricing across companies, then recommend the policy that fits you best.
Do you cover both personal and business insurance?
Yes. CSP writes personal lines like home and auto, and commercial lines for businesses across South Carolina.
How long has CSP been in business?
CSP traces its roots to 1939, with more than 80 years serving South Carolina families and businesses.
Will I work with a real person?
Always. No call centers and no chatbots — you work with a local team member who knows your account.
Which areas do you serve?
We’re based in Florence and serve clients statewide, including Myrtle Beach, Rock Hill, and Columbia.
How do I get a quote?
Request a quote online, call us, or stop by the office. A real person will review your needs and follow up.
How It Works
Insurance tips & updates.
Plain-language guidance to help you make confident decisions.
We compare several carriers to find a policy that fits you, not one company's products.
◆
80+ years local experience
1939
Serving SC
Insurance Sales
J. Roger Jordan, CIC
[CONFIRM bio]
Boat
Your association covers the building, but not what’s inside. Condo insurance protects your belongings, improvements, and liability.
Time on the water should be worry-free. Boat coverage protects your vessel, your passengers, and your liability on the lake or coast.
Condo
Motorcycle
Riders need coverage built for the road. Motorcycle insurance protects your bike, your gear, and you after an accident.
Get a Quote
Let's find your coverage.
Tell us a little about what you need to protect. A real person from our Florence team will review it and follow up.
2420 Hoffmeyer Road, Suite D
Florence, SC 29501
Mon–Fri 8:30am – 5:00pm