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

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

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80+ years local experience

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

Medical expenses

Claims history

A single wet lettuce leaf on a tile floor can turn into a $50,000 lawsuit before your shift manager even notices it. Grocery stores face a unique collision of risks that most retail businesses never deal with: perishable inventory worth tens of thousands of dollars, heavy equipment like forklifts and compressors, delivery vehicles on the road daily, and a constant stream of foot traffic from customers who aren't always watching where they step. If you run a grocery store in South Carolina, your insurance needs look nothing like a clothing boutique or an office supply shop.


Getting the right grocery store insurance means understanding which coverages actually protect you and which ones you're probably missing. The basics like general liability and workers' comp are just the starting point. You also need to think about spoilage, equipment breakdowns, liquor liability if you sell beer and wine, and cyber exposure from your point-of-sale systems. This guide breaks down each of those coverages, compares a standard business owner's policy against a more comprehensive grocery-specific package, and flags the endorsements that South Carolina grocers tend to overlook until it's too late.

Core Liability Protections for Grocery Retailers

Liability is where most grocery claims originate, and where the financial damage can escalate fastest. Two categories dominate: premises liability from in-store incidents and product liability from the food you sell.

General Liability for Slip-and-Fall Incidents

Slip-and-fall claims are the single biggest liability headache for grocery store owners. Wet floors from produce misters, spilled liquids in the beverage aisle, and melting ice near seafood displays create constant hazards. These incidents represent roughly 60% of all general liability claims filed by grocers, making them far more common than any other claim type.


A solid general liability policy covers medical bills, legal defense costs, and settlements when a customer is injured on your premises. In South Carolina, jury awards for slip-and-fall injuries can easily reach six figures, especially when the injured party is elderly or requires surgery. Your policy should carry at least $1 million per occurrence and $2 million aggregate, though stores with heavy foot traffic may want higher limits. Don't skimp here: this is the coverage you'll use most.

Product Liability and Food Contamination

You're selling food that people eat, which means you're exposed to contamination claims that other retailers never face. A batch of bad deli meat, improperly stored dairy, or a mislabeled allergen can trigger lawsuits, medical claims, and even regulatory action from the South Carolina Department of Health and Environmental Control.


Product liability coverage protects you when a customer gets sick from something purchased at your store, even if the contamination happened before the product reached your shelves. This is critical because you can be held liable as the seller regardless of where the defect originated. If you prepare food in-store, whether that's a hot bar, bakery, or deli counter, your exposure increases significantly. Make sure your policy explicitly covers prepared foods, not just packaged goods.

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.

Safeguarding Your Inventory and Physical Assets

Your building and its contents represent a massive investment. Between refrigeration equipment, shelving, inventory, and the structure itself, a single disaster can wipe out years of work.

Commercial Property and Equipment Breakdown

Standard commercial property insurance covers your building, fixtures, and inventory against perils like fire, windstorms, and vandalism. In South Carolina, coastal stores from Myrtle Beach down through the Lowcountry need to pay close attention to wind and hail deductibles, which are often calculated as a percentage of the building's insured value rather than a flat dollar amount. A 2% wind deductible on a $500,000 building means you're covering the first $10,000 out of pocket.


Equipment breakdown coverage is a separate but essential add-on. Walk-in coolers, commercial freezers, HVAC systems, and generators are expensive to repair or replace. A compressor failure on a July weekend can cost $15,000 in repairs alone, not counting the inventory you lose while it's down.

Spoilage Coverage for Perishable Goods

This is the coverage most grocery owners don't think about until they need it. A power outage lasting 24 hours, a refrigeration malfunction, or even a delivery truck breakdown can destroy thousands of dollars in perishable goods. Spoilage coverage reimburses you for inventory lost due to equipment failure or power interruption.


South Carolina's summer heat makes this especially relevant. A store carrying $80,000 in perishable inventory at any given time can't afford to self-insure that risk. Most spoilage endorsements are surprisingly affordable, often adding just a few hundred dollars annually to your premium for $25,000 to $50,000 in coverage.

Managing Your Workforce and Delivery Fleet

Your employees and vehicles represent two of your largest ongoing exposures. Both require dedicated policies with grocery-specific considerations.

Workers' Compensation for Stockers and Cashiers

South Carolina requires workers' comp for businesses with four or more employees, and most grocery stores clear that threshold easily. The workers' compensation market remains competitive heading into 2026, which is good news for grocers shopping for coverage.


Grocery store injuries tend to cluster around a few common scenarios: back strains from lifting cases of product, cuts from box cutters and deli slicers, and repetitive motion injuries from cashier work. Workplace injury costs continue to run high nationally, and grocery-specific classification codes reflect the physical nature of the work. Your premiums are calculated based on payroll and job classification, so make sure your employees are coded correctly. Misclassifying a stocker as a cashier, or vice versa, can lead to audit surprises.

Commercial Auto for Delivery and Supply Runs

If your store operates delivery vehicles, supply trucks, or even employee-driven runs to wholesale suppliers, you need commercial auto insurance. South Carolina's minimum auto liability limits are 25/50/25, meaning $25,000 per person, $50,000 per accident for bodily injury, and $25,000 for property damage. Those minimums are dangerously low for a business vehicle.


Commercial auto insurance costs have been climbing due to rising repair costs and larger jury verdicts. Carry at least $500,000 in combined single limit coverage, and consider an umbrella policy if your vehicles are on the road frequently. If employees use personal vehicles for store errands, you'll also want hired and non-owned auto coverage to fill that gap.

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

Comparison: Standard BOP vs. Comprehensive Grocery Coverage

A Business Owner's Policy bundles general liability and property coverage into a single, cost-effective package. It works well for low-risk retail, but grocery stores have exposures that a standard BOP wasn't designed to handle.

Coverage Area Standard BOP Comprehensive Grocery Package
General Liability Included (basic limits) Included (higher limits available)
Property Coverage Building and contents Building, contents, and signage
Spoilage Not included Included or available as endorsement
Equipment Breakdown Sometimes included Included with broader triggers
Product Liability Limited or excluded Full coverage including prepared foods
Liquor Liability Not included Available as endorsement
Cyber Liability Rarely included Available as endorsement
Food Contamination Shutdown Not included Business interruption for health closures

The price difference between a BOP and a comprehensive grocery policy is often smaller than owners expect, typically 15-25% more in premium for significantly broader protection. An independent agency like CSP Insurance Services can pull quotes from multiple carriers to show you exactly where the gaps are in a basic BOP versus a grocery-tailored policy.

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.

Industry-Specific Endorsements for Modern Markets

Beyond the core coverages, several endorsements address risks that are unique to grocery operations in 2026.

Liquor Liability for Beer and Wine Sales

If your store sells beer, wine, or spirits, South Carolina law creates potential liability exposure through alcohol-related incidents. Liquor liability coverage protects you if a customer causes harm after purchasing alcohol from your store. This is separate from your general liability policy and is often required by your state alcohol license.


The exposure is real, even for a store that only sells packaged alcohol. Selling to a visibly intoxicated person or to a minor can trigger both civil liability and regulatory consequences. Premiums vary based on alcohol sales volume, but most grocery stores pay between $500 and $2,000 annually for this endorsement.

Cyber Liability for Point-of-Sale Systems

Every time a customer swipes a card at your register, you're handling sensitive financial data. A breach of your POS system can expose thousands of card numbers and trigger notification requirements under South Carolina's data breach laws. Cyber insurance claims have been rising steadily, and small to mid-size retailers are increasingly targeted because their security is often weaker than larger chains.


Cyber liability coverage pays for breach notification costs, credit monitoring for affected customers, forensic investigation, and legal defense. For a grocery store processing hundreds of transactions daily, this isn't optional anymore. Policies typically start around $1,000 annually for $1 million in coverage.

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 Grocery Insurance

How much does grocery store insurance cost in South Carolina? Most independent grocery stores pay between $5,000 and $15,000 annually for a comprehensive package, depending on store size, revenue, number of employees, and whether you sell alcohol or operate delivery vehicles.


Do I need separate spoilage coverage, or is it included in my property policy? It's almost always a separate endorsement. Standard property policies cover fire and wind damage to inventory but exclude losses from equipment malfunction or power failure.


Is workers' comp required for small grocery stores in SC? Yes, if you have four or more employees. Even with fewer, carrying it voluntarily protects you from personal liability if someone gets hurt on the job.


What happens if a customer gets food poisoning from my deli? Your product liability coverage responds to these claims. It covers medical expenses, legal defense, and any settlement or judgment. Without it, you're paying out of pocket.


Does my BOP cover delivery vehicles? No. Commercial auto is always a separate policy. If employees use personal cars for store business, you need hired and non-owned auto coverage as well.


Can I bundle all my grocery coverages with one carrier? Sometimes, but not always at the best price. Working with an independent agency gives you the ability to compare bundled and unbundled options across multiple carriers to find the best fit.

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

Grocery insurance isn't a one-size-fits-all purchase. A small neighborhood market in Florence has different exposures than a large-format store near the Myrtle Beach coast dealing with hurricane risk and high tourist traffic. The right policy package accounts for your specific inventory levels, employee count, delivery operations, and whether you sell prepared food or alcohol.


The most common mistake grocery owners make is buying the cheapest BOP they can find and assuming they're covered. That approach works fine until a compressor dies on a Friday night and $30,000 in meat and dairy spoils, or until a customer slips near the frozen food section and hires an attorney. The cost difference between adequate and inadequate coverage is usually a few thousand dollars a year, which is a fraction of what a single uncovered claim would cost.


CSP Insurance Services has been helping South Carolina businesses find the right coverage since 1939, and their team can compare options from multiple carriers to build a grocery-specific package that actually matches your risks. If you're opening a new store or suspect your current policy has gaps, request a quote and get a clear picture of where you stand before the next claim hits.

About the author

Lawson Walker, CIC

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


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


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

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

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80+ years local experience

1939

Serving SC

Meet Richard

Most Requested

Core business coverage.

The policies most South Carolina businesses start with.

Commercial Property

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

Workers Compensation

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

Commercial Auto

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

General Liability

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

Inland Marine

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

Business Owners (BOP)

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

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

◆

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

Get a Quote

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