South Carolina Franchised Auto Dealer Insurance

CSP Insurance Services was founded in 1939, when Clifford Cormell joined Earnest Streett to sell insurance in Florence. More than 80 years later, we still answer the phone ourselves. No call centers, no chatbots — just a local team that knows your name and your policy.

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

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80+ years local experience

Hospital bills, treatment, and prescriptions for a work-related injury or illness.

Medical expenses

Claims history

Running a franchised dealership in South Carolina means juggling manufacturer requirements, state licensing rules, and a constant flow of customer vehicles, employee activity, and financial transactions. A single uncovered claim - whether it's a technician injured in the service bay or a customer's trade-in damaged by a hailstorm - can cost tens of thousands of dollars and put your franchise agreement at risk. The insurance program protecting your operation needs to be just as sophisticated as the business itself.


This guide breaks down every major coverage layer that South Carolina franchised dealers need: general liability, workers compensation, commercial auto, and the specialized policies that protect your F&I office, your data, and your workforce. Whether you're operating a single-point store in Florence or a multi-rooftop group stretching from Columbia to Myrtle Beach, understanding these coverages isn't optional. It's the difference between surviving a bad month and closing your doors.

Mandatory Insurance Requirements for South Carolina Franchise Dealers

South Carolina's Department of Motor Vehicles and Department of Insurance set specific baseline requirements before you can sell a single vehicle. Missing any of these can mean license suspension, fines, or both. Your franchise agreement likely adds its own layer of insurance mandates on top of the state minimums.

South Carolina Dealer Bond and Licensing Standards

Every dealer in the state must secure a surety bond as part of the licensing process. For franchised new car dealers, this bond protects consumers and the state against fraud, misrepresentation, or failure to deliver title. The bond amount is set by statute, and you'll need to maintain it continuously to keep your license active.


Beyond the bond, the SCDMV requires dealers to meet specific facility, signage, and operational standards before issuing a license. Proof of insurance - including garage liability - is part of this package. If your policy lapses, the DMV can pull your plates and shut down sales until you reinstate coverage.

Statutory Liability Limits for Dealer Plates

South Carolina's minimum auto liability limits are 25/50/25: $25,000 per person for bodily injury, $50,000 per accident, and $25,000 for property damage. For a franchised dealer with dozens of vehicles on the road at any given time (demos, loaners, service shuttles, customer test drives), these state minimums are dangerously low. A single serious accident involving a test drive vehicle can blow past those limits before the ambulance arrives.


Most franchise agreements require liability limits of $1 million or more, and your umbrella policy should extend well beyond that. Coastal dealers near Myrtle Beach or Hilton Head face additional exposure from tourist traffic and higher accident frequency on congested corridors.

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

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

Core Liability Protections: General Liability vs. Garage Liability

Standard commercial general liability covers slip-and-fall injuries in your showroom or a customer tripping in the parking lot. But a dealership isn't a retail store. You have service bays, paint booths, lifts, and hundreds of vehicles moving through your lot daily. That's why garage liability exists.

Defining Garage Liability for Sales and Service Operations

Garage liability is a specialized form of commercial liability designed for businesses that sell, service, or store vehicles. It combines elements of general liability and auto liability into one policy tailored to dealership operations. If a technician test-drives a repaired vehicle and causes an accident, garage liability responds. If a customer slips on an oil spot near the service drive, it covers that too.


This policy is the backbone of franchised auto dealer insurance in South Carolina, and virtually every OEM franchise agreement requires it. The key advantage is that it eliminates gaps between your general liability and commercial auto policies, which is exactly where claims tend to fall.

Garagekeepers Legal Liability: Protecting Customer Vehicles

Garagekeepers coverage is separate from garage liability, and confusing the two is one of the most common mistakes dealers make. Garagekeepers protects customer vehicles while they're in your care, custody, or control - sitting in the service lot overnight, parked in the collision center, or stored while awaiting parts.


South Carolina's coastal exposure makes this coverage especially critical. A summer hailstorm can damage dozens of customer vehicles sitting in your service lot in minutes. Without garagekeepers coverage, you're paying for every repair out of pocket. Most policies offer three coverage triggers: legal liability only, direct primary, or direct excess. Direct primary is the strongest option and the one most dealers should carry.

Comparison: Basic Garage Liability vs. Comprehensive Dealer Packages

Feature Basic Garage Liability Comprehensive Dealer Package
Premises bodily injury Included Included
Auto liability (owned/non-owned) Included Included
Garagekeepers coverage Often excluded Included
Dealers open lot (inventory) Not included Included
Pollution liability Not included Available as endorsement
Product recall expense Not included Available
Hired/non-owned auto Limited Full coverage

A basic garage liability policy leaves significant gaps. Comprehensive dealer packages bundle the coverages you actually need into a single program, often at a lower combined premium than purchasing each policy separately.

Protecting Your Team with Workers Compensation

Dealerships employ mechanics, body shop technicians, detailers, salespeople, porters, and office staff. Each role carries different injury risks, and South Carolina law requires workers comp for nearly all employers.

South Carolina Workers Comp Thresholds for Dealerships

South Carolina requires workers compensation insurance for any employer with four or more employees. Most franchised dealerships blow past this threshold on day one. The state's maximum weekly compensation rate increased to $1,189.94 effective January 1, 2025, and you can verify current rates through the SC Workers' Compensation Commission.


Your premium is calculated based on payroll and job classification codes. Service technicians and body shop workers carry significantly higher rates than office staff or salespeople because their injury frequency and severity are both elevated.

Managing Risks in the Service Bay and Collision Center

The service department is where most dealership injuries happen. Crush injuries from lifts, chemical burns from solvents, repetitive motion injuries from tool use, and slip-and-fall incidents on wet shop floors are all common. Collision centers add exposure from paint booth fumes, welding, and heavy structural repair work.


A strong safety program directly reduces your workers comp premiums over time through experience modification ratings. Dealers who invest in proper PPE, enforce lift inspection protocols, and maintain clean shop floors consistently see lower mod rates. An independent agency like CSP Insurance Services can help you identify which carriers offer the best pricing for your specific classification mix 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

Commercial Auto and Inventory Coverage (Dealers Open Lot)

Your inventory is likely your single largest asset. A franchised dealer might have $5 million to $15 million in new and used vehicles sitting on the lot at any given time. Protecting that inventory, plus the vehicles your employees drive daily, requires purpose-built coverage.

Dealers Open Lot: Safeguarding Inventory from Weather and Theft

Dealers open lot coverage protects your vehicle inventory against physical damage from fire, theft, vandalism, flood, and weather events. South Carolina dealers face real exposure from hurricanes, tropical storms, and hail. Dealers in the Lowcountry and along the Grand Strand know this firsthand: a single named storm can total dozens of vehicles in hours.


Your open lot policy should cover vehicles at all locations, including off-site storage lots and vehicles in transit between your stores. Pay close attention to your deductible structure. Many policies offer per-vehicle deductibles for comprehensive losses but aggregate deductibles for catastrophic weather events. Understanding the difference before storm season arrives is critical.

Test Drive Coverage and Loaner Vehicle Exposure

Every test drive creates liability exposure. A customer behind the wheel of a $60,000 SUV on a busy Columbia highway is a significant risk. Your garage liability policy typically covers test drives, but you need to confirm that coverage extends to all drivers, including those with less-than-perfect driving records.


Loaner and courtesy vehicles add another layer. If your service department provides loaners, those vehicles need to be scheduled on your policy or covered under a blanket provision. Some dealers use rental car programs through their OEM, which may carry separate insurance requirements.

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.

Specialized Policies for Franchised Operations

The core coverages handle most risks, but franchised dealerships face exposures that generic business policies don't address. Your F&I department, your employee count, and your customer data all create distinct liabilities.

Truth in Lending and E&O for F&I Departments

Your finance and insurance office handles lending disclosures, GAP waivers, and aftermarket product sales. South Carolina's GAP waiver law imposes specific requirements on how these products are sold and administered. A compliance error in a single deal can trigger regulatory action or a lawsuit.


Errors and omissions coverage for F&I protects your dealership when a finance manager makes a disclosure mistake, miscalculates an APR, or fails to properly document a product cancellation. These claims are more common than most dealers realize, and they're expensive to defend even when you win.

Employment Practices Liability (EPLI) for Large Staffs

Franchised dealerships often employ 50 to 300+ people across sales, service, parts, and administration. That employee count creates significant exposure to wrongful termination claims, harassment allegations, discrimination suits, and wage disputes. EPLI covers defense costs and settlements for these claims.


The sales floor culture at many dealerships - competitive, high-pressure, commission-driven - can generate HR complaints if management isn't careful. EPLI isn't a luxury for large staffs. It's a necessity.

Cyber Liability: Protecting Customer Financial Data

Your DMS system holds Social Security numbers, credit applications, bank account information, and driver's license data for thousands of customers. A data breach notification in South Carolina triggers mandatory disclosure requirements and can cost $150 to $300 per affected record in response expenses alone.


Cyber liability insurance covers breach notification costs, credit monitoring for affected customers, forensic investigation, and legal defense. With the FTC Safeguards Rule imposing strict data security requirements on dealers, having both strong cybersecurity practices and a cyber policy in place is essential.

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 SC Dealer Insurance

Do I need separate policies for each dealership location? Not necessarily. Many carriers offer multi-location dealer programs that cover all your rooftops under a single policy, often at a better rate than individual policies. Your agent should structure this based on your specific operation.


What happens if my insurance lapses? The SCDMV can suspend your dealer license, and your franchise agreement may include termination provisions for coverage lapses. Don't let this happen.


Does my garage liability cover employee-owned vehicles? Generally, no. Employees driving their personal vehicles for work purposes (parts runs, bank deposits) need to be covered under a hired and non-owned auto endorsement.


How much garagekeepers coverage do I need? Calculate the maximum value of customer vehicles on your property at any given time. A busy service department might have 40 to 80 vehicles on-site daily. Your coverage limit should reflect that peak exposure.


Are demo vehicles covered under my open lot policy or garage liability? Demos are typically covered under garage liability for liability exposure and under your open lot policy for physical damage. Confirm both coverages are active for vehicles assigned to managers and salespeople.

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.

What This Means for Your Business

Franchised dealer insurance in South Carolina isn't a single policy: it's an interconnected system of coverages that need to work together without gaps. From the surety bond that keeps your license active to the cyber policy protecting your customer data, each piece serves a specific purpose. Missing one can expose your entire operation.


The smartest dealers treat their insurance program as a strategic asset, not just a cost center. Working with an independent agency like CSP Insurance Services gives you access to multiple carriers and an objective analysis of which combination of coverages fits your dealership's size, location, and risk profile. With over 80 years of experience serving South Carolina businesses, their team understands the specific exposures that coastal and inland dealers face.


If your current program hasn't been reviewed in the past year, or if you're opening a new point, now is the time to get a fresh set of eyes on your coverages. Request a quote from CSP's team to make sure your dealership is protected where it counts.

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