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 hearing aid can retail for $1,000 to $8,000, and most practices keep dozens in stock at any given time. Add in audiometric testing equipment, patient health records, and the occasional house call to a homebound patient, and you've got a business with exposure points that a standard commercial policy won't fully address. Getting the right insurance coverage for a hearing aid center means understanding how general liability, professional liability, workers comp, commercial auto, and several industry-specific policies work together to protect your practice, your staff, and your patients.
If you're running a hearing aid center in South Carolina, whether in Florence, Columbia, or along the coast near Myrtle Beach, you face a mix of risks that are part retail, part healthcare, and part specialized service. A slip-and-fall in your waiting room is one thing. A patient claiming their custom-fitted device caused further hearing damage is something else entirely. Each of those scenarios triggers a different type of policy, and gaps between them are where practices get hurt financially.
This guide breaks down every coverage type you should be carrying, explains the differences between commonly confused policies, and flags the add-ons that hearing centers specifically need but often overlook.
Essential Insurance for Hearing Aid Centers
Every hearing aid center shares a core set of risks with other small businesses: someone could get injured on your property, an employee could get hurt on the job, or a fire could destroy your inventory. But the overlap with healthcare adds layers that pure retail businesses don't deal with. You're fitting medical devices, storing protected health information, and in many cases providing diagnostic services that carry professional liability exposure.
The three foundational policies below form the backbone of any hearing center's insurance program. Skipping any one of them leaves a significant gap.
General Liability for Customer Safety
General liability (GL) covers third-party bodily injury and property damage claims that happen on your premises or as a result of your operations. Think of the elderly patient who trips over a cord in your fitting room, or the visitor whose glasses get knocked off a counter and broken. GL also covers advertising injury, like claims of slander or copyright infringement in your marketing materials.
For a hearing aid center, general liability premiums for healthcare-related businesses typically start around $500 to $600 per year, though your specific rate depends on your location, square footage, and foot traffic. South Carolina doesn't mandate GL coverage by law, but most commercial leases require it, and operating without it is a risk no sensible practice owner should take.
Professional Liability and Malpractice
This is where hearing centers diverge sharply from standard retail. If a patient claims you fitted a hearing aid incorrectly, failed to identify a condition that required medical referral, or caused additional hearing loss through negligence, that's a professional liability claim, not a general liability one. Your GL policy won't cover it.
Professional liability insurance, sometimes called errors and omissions (E&O) or malpractice coverage, protects audiologists and hearing aid dispensers against claims arising from their professional services. Even if a claim is baseless, defense costs alone can run $50,000 or more. A dedicated professional liability policy covers both the legal defense and any resulting settlement or judgment.
Commercial Property for Specialized Equipment
A standard property policy covers your building (if you own it), furniture, and general inventory. But hearing aid centers have specialized equipment that needs proper valuation: audiometers, tympanometers, real-ear measurement systems, and programming hardware can easily total $50,000 to $100,000 or more.
Make sure your property policy covers replacement cost rather than actual cash value. A five-year-old audiometer that cost $15,000 new might have a depreciated value of $5,000, but replacing it still costs $15,000. South Carolina coastal practices should also pay attention to wind and hail exclusions, which are common in standard policies near Myrtle Beach and other coastal areas. You may need a separate windstorm policy through the SC Wind and Hail Underwriting Association.
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 |
Comparing Professional vs. General Liability
These two policies get confused constantly, and the confusion can be expensive. A patient who slips on a wet floor files a general liability claim. A patient who says your fitting caused ear pain files a professional liability claim. Same building, same patient, completely different policies.
Coverage Comparison Table
| Feature | General Liability | Professional Liability |
|---|---|---|
| Covers | Bodily injury, property damage on premises | Errors, omissions, negligence in professional services |
| Example Claim | Patient trips in waiting room | Patient alleges incorrect hearing aid fitting caused harm |
| Typical Limit | $1M per occurrence / $2M aggregate | $1M per occurrence / $3M aggregate |
| Required by Law in SC? | No (but often required by landlords) | No (but strongly recommended for licensed practitioners) |
| Average Annual Cost | $500 - $1,200 | $800 - $2,500 |
| Defense Costs | Usually included within limits | May be in addition to limits (check your policy) |
One critical detail: some professional liability policies pay defense costs "in addition to" the policy limit, while others pay them "within" the limit. The difference matters. If you have a $1M limit and $200,000 in legal fees, an "in addition to" policy still has the full $1M available for a settlement. A "within limits" policy only has $800,000 left.
| 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.
More hearing aid centers are offering in-home fitting and testing services, especially for elderly or mobility-limited patients. If any employee drives a company vehicle, or even their personal car, for business purposes, your personal auto policy won't cover accidents that happen during work-related trips.
A commercial auto policy covers liability, collision, and comprehensive damage for vehicles used in your business operations. South Carolina's minimum auto liability limits are 25/50/25 ($25,000 per person, $50,000 per accident for bodily injury, $25,000 for property damage), but most businesses should carry significantly higher limits. A serious accident during a house call could easily exceed those minimums.
Commercial Auto for Mobile Services
Protecting Your Staff and Fleet
Hearing aid centers may seem low-risk from a workplace injury standpoint, but that assumption misses some real exposures. And if anyone on your team drives for work purposes, even occasionally, you need to think about commercial auto.
Workers Compensation Requirements
South Carolina requires workers compensation insurance for any business with four or more employees. That includes part-time staff, so if you have a full-time audiologist, two part-time front desk employees, and a part-time hearing aid technician, you're at the threshold.
Workers comp covers medical expenses and lost wages if an employee is injured on the job. For a hearing center, common claims include repetitive stress injuries from fitting work, back injuries from moving equipment, and even slips and falls. Your premium is based on your payroll and your industry classification code. Healthcare office workers generally fall into lower-risk categories, so premiums tend to be reasonable, often $0.50 to $1.50 per $100 of payroll.
Commercial Auto for Mobile Services
More hearing aid centers are offering in-home fitting and testing services, especially for elderly or mobility-limited patients. If any employee drives a company vehicle, or even their personal car, for business purposes, your personal auto policy won't cover accidents that happen during work-related trips.
A commercial auto policy covers liability, collision, and comprehensive damage for vehicles used in your business operations. South Carolina's minimum auto liability limits are 25/50/25 ($25,000 per person, $50,000 per accident for bodily injury, $25,000 for property damage), but most businesses should carry significantly higher limits. A serious accident during a house call could easily exceed those minimums.
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 |
Industry-Specific Risks and Add-ons
Beyond the foundational policies, hearing aid centers face risks that are specific to their intersection of healthcare and retail. Two add-ons deserve particular attention.
Cyber Liability for Patient Records
If you store patient audiograms, health histories, insurance information, or payment data, you're a target for data breaches. HIPAA violations carry penalties of $100 to $50,000 per violation, with annual maximums up to $1.5 million for willful neglect. A single breach affecting even a few dozen patients can trigger notification requirements, credit monitoring obligations, and regulatory fines.
Cyber liability insurance covers breach response costs, notification expenses, regulatory defense, and any resulting lawsuits. For a small hearing center, policies often start around $500 to $1,500 per year. Given that hearing aids are increasingly connected to smartphones and cloud-based programming platforms, the digital attack surface for hearing centers is growing, not shrinking.
Business Interruption Coverage
What happens if a hurricane shuts down your Myrtle Beach office for three weeks? Or a burst pipe destroys your fitting room? Business interruption insurance replaces lost income and covers ongoing expenses like rent, utilities, and payroll while your practice is unable to operate.
This coverage is typically added as an endorsement to your commercial property policy. The key is setting an adequate coverage period. Most policies offer 12 months of coverage, but you need to account for the time it takes to replace specialized audiometric equipment, which can have long lead times. An independent agency like CSP Insurance Services can help you calculate the right coverage period based on your actual revenue and expense figures.
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 Hearing Center Coverage
FAQ: Do I need insurance if I work as a solo audiologist?
Yes. Even without employees, you face professional liability exposure every time you fit a device or provide a recommendation. A single malpractice claim could exceed your personal assets. Solo practitioners should carry, at minimum, professional liability and general liability coverage.
FAQ: Does standard insurance cover hearing aids lost in the mail?
Usually not under a basic property policy. If you regularly ship devices to patients, you'll want inland marine coverage, which protects goods in transit. Hearing aid fitters and dispensers face this risk frequently when sending devices out for repair or shipping directly to patients.
FAQ: How much does a typical policy cost for a small clinic?
A small hearing center with 2-5 employees can expect to pay roughly $3,000 to $7,000 annually for a package that includes general liability, professional liability, and property coverage. Workers comp and commercial auto add to that based on payroll and vehicle count.
FAQ: Is professional liability the same as medical malpractice?
They're closely related. Medical malpractice is a subset of professional liability that applies specifically to healthcare providers. For audiologists and hearing aid dispensers, the terms are often used interchangeably, but your policy language matters more than the label.
FAQ: Do I need commercial auto if I use my personal car for house calls?
Yes. Personal auto policies typically exclude business use, and if you're in an accident while driving to a patient's home, your personal insurer can deny the claim. A commercial auto policy or a hired and non-owned auto endorsement on your business policy fills this 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 |
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.
The Bottom Line for Your Practice
Running a hearing aid center means juggling retail, healthcare, and service-based risks all under one roof. The right insurance program isn't just a collection of individual policies: it's a coordinated set of coverages that work together without gaps or unnecessary overlaps. Professional liability protects your clinical work, general liability covers your physical space, and add-ons like cyber liability and business interruption address the risks that are unique to your industry.
Getting this right matters more than getting it cheap. An experienced independent agency can compare options across multiple carriers and build a package that actually matches your practice's specific risk profile. If you're operating in South Carolina and want a straightforward assessment of what you need, CSP Insurance Services has been helping healthcare practices with exactly this kind of customized coverage since 1939. You can
request a quote to start a conversation about what your hearing center actually needs, with no call centers or chatbots involved.
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