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.
◆
80+ years local experience
Hospital bills, treatment, and prescriptions for a work-related injury or illness.
Medical expenses
Claims history
Running an independent used car lot in South Carolina means juggling a dozen risks before lunch: a customer slips on your showroom floor, a test driver rear-ends someone on Highway 52, hail shreds half your inventory overnight. A standard business owner's policy won't cover most of those scenarios, and a single uninsured claim can wipe out years of profit. That's why insurance for independent auto dealers requires a layered approach, combining general liability, workers comp, commercial auto, and several industry-specific policies most general agents have never even quoted. The tricky part isn't just knowing these policies exist; it's understanding how they interact, where the gaps hide, and what South Carolina's specific requirements demand. Dealers who treat insurance as a checkbox instead of a strategy end up learning expensive lessons. With surety bond requirements climbing in multiple states and compliance expectations tightening across the board, getting your coverage right in 2026 matters more than ever. This guide breaks down every policy an independent dealer should carry, explains how they differ from standard business coverage, and helps you figure out what you're actually paying for.
Essential Insurance Coverage for Independent Auto Dealers
Every independent dealer needs a foundation of three core policies before even thinking about specialty coverage. These aren't optional extras: they're the baseline that keeps your doors open after a bad week.
Think of it this way. General liability covers what happens to other people on your property. Commercial auto and garage liability cover what happens with vehicles. Workers comp covers what happens to your employees. Miss any one of these three, and you're exposed in a way that could cost you six figures or more on a single incident.
South Carolina's Department of Insurance requires specific minimums for several of these policies, and your dealer license renewal depends on maintaining them. Let's break each one down.
General Liability for Customer and Property Protection
General liability insurance is your first line of defense against the most common claims: someone trips over a wheel chock, a child gets hurt in your waiting area, or a customer's personal property gets damaged during a transaction. These claims happen more often than most dealers expect.
In South Carolina, there's no state-mandated minimum for general liability, but most landlords and lender agreements require at least $1 million per occurrence and $2 million aggregate. If you're financing vehicles through a floor plan lender, they'll almost certainly require proof of GL coverage before extending credit.
One thing dealers often overlook is advertising injury coverage, which is typically bundled into a GL policy. If a competitor claims you made false statements in your ads or misrepresented a vehicle in marketing materials, this coverage responds. For a lot with 50 to 100 units on the ground, expect GL premiums in the range of $1,500 to $4,000 annually, depending on your claims history and location.
Commercial Auto and Garage Liability Differences
Here's where independent dealers get confused, and where bad advice gets expensive. A standard commercial auto policy covers vehicles your business owns and operates: your tow truck, your shuttle van, your parts delivery vehicle. But it does not cover customer vehicles in your care or test drives by prospective buyers.
That's where garage liability comes in. Garage liability is a specialized policy designed for auto-related businesses. It combines elements of general liability and commercial auto into one form, covering bodily injury and property damage that arise from your garage operations, including test drives. South Carolina requires minimum auto liability limits of 25/50/25, but most dealers carry far more because a serious accident during a test drive can easily exceed those minimums.
The key distinction: commercial auto covers your titled business vehicles. Garage liability covers the operations of your dealership, including vehicles you're selling but don't technically "own" for personal use.
Workers Compensation for Dealership Employees
South Carolina requires workers comp for any business with four or more employees. If you've got a salesperson, a detailer, a mechanic, and an office manager, you're already at the threshold.
Workers comp covers medical expenses and lost wages when an employee gets hurt on the job. For a dealership, common claims include back injuries from moving vehicles, cuts from detailing work, and repetitive strain from mechanic duties. Premiums are calculated based on your payroll and the classification codes assigned to each role: a mechanic carries a higher rate than a desk-based F&I manager.
Skipping workers comp to save money is a gamble that rarely pays off. A single back surgery claim can run $50,000 to $150,000, and without coverage, that comes straight out of your pocket. South Carolina's Workers' Compensation Commission can also impose penalties for non-compliance.
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 |
Industry-Specific Policies Every Dealer Needs
Beyond the foundational three, independent dealers face risks that generic business policies simply weren't designed to handle. These dealer-specific coverages fill the gaps that standard policies leave wide open.
Garagekeepers Legal Liability for Inventory in Your Care
Garagekeepers insurance covers damage to customer vehicles while they're in your possession for service, storage, or sale. If a customer drops off a trade-in and it gets vandalized overnight, or a vehicle you're prepping for delivery gets damaged by a falling tree, garagekeepers responds.
This is separate from garage liability. Garage liability covers injuries and damage your operations cause to others. Garagekeepers covers physical damage to vehicles you don't own but are responsible for. The distinction matters because without garagekeepers coverage, you'd have to pay out of pocket to repair or replace a customer's vehicle, and that conversation never goes well.
Most policies offer three coverage triggers: legal liability only (you pay if you're at fault), direct primary (pays regardless of fault), and direct excess (pays after the customer's own insurance). For a dealer doing any service work or holding trade-ins, direct primary is usually worth the extra premium.
Open Lot Coverage for Physical Damage to Inventory
Your vehicle inventory is likely your biggest asset, and it sits outside, exposed to everything South Carolina weather can throw at it. Open lot coverage, sometimes called dealer's physical damage or lot coverage, protects your inventory against fire, theft, vandalism, and weather damage.
Coastal dealers in Myrtle Beach or Charleston face particular exposure to hurricanes and wind-driven hail. A single hailstorm can damage every vehicle on your lot in minutes, turning a $500,000 inventory into a $300,000 problem. Open lot policies typically carry deductibles per vehicle or per occurrence, and premiums scale with the total value of inventory you carry.
One common mistake: dealers assume their floor plan lender's insurance covers inventory damage. It doesn't. The lender's interest coverage protects the lender, not you. You need your own open lot policy to protect your equity in those vehicles.
Errors and Omissions for Title and Disclosure Paperwork
E&O insurance covers claims arising from mistakes in your paperwork: title errors, odometer disclosure problems, failure to disclose salvage history, or incorrect lien recordings. With auto finance compliance trends tightening in 2026, the risk of paperwork-related claims is growing.
A single title error can trigger a lawsuit that costs $20,000 or more to defend, even if you win. E&O coverage handles both defense costs and settlements. For independent dealers processing dozens of titles monthly, this isn't a luxury: it's a necessity. Premiums typically run $500 to $2,000 annually, which is a fraction of what one claim would cost.
| 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.
Comparison: Standard Business vs. Dealer-Specific Coverage
The table below highlights why a generic business owner's policy falls short for independent auto dealers.
| Coverage Area | Standard Business Policy | Dealer-Specific Policy |
|---|---|---|
| Customer injuries on premises | Covered under GL | Covered under garage liability |
| Test drive accidents | Not covered | Covered under garage liability |
| Customer vehicles in your care | Not covered | Garagekeepers legal liability |
| Inventory weather damage | Limited or excluded | Open lot / dealer physical damage |
| Title and paperwork errors | Not covered | Errors & omissions |
| Employee injuries | Workers comp (separate) | Workers comp (same requirement) |
| Vehicles you own for business use | Commercial auto | Commercial auto |
The gaps in column two are exactly where dealers get burned. A standard BOP might cover a slip-and-fall in your office, but it won't touch a hail-damaged lot or a test drive collision. Working with an independent agency like CSP Insurance Services, which can pull quotes from multiple carriers, helps ensure nothing falls through the cracks. An agency tied to a single carrier may not even have access to dealer-specific products.
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 |
Factors That Influence Your Insurance Premiums
Your premium isn't a random number. Insurers use specific variables to calculate your risk, and understanding them gives you some control over what you pay.
Inventory Volume and Average Vehicle Value
A lot carrying 20 economy sedans averaging $8,000 each presents a very different risk profile than a lot with 80 units averaging $35,000. Higher inventory counts and values mean more exposure, which means higher premiums for open lot coverage and garagekeepers.
Some dealers reduce costs by maintaining lower lot counts and turning inventory faster. If you can sell 15 cars a month with 40 on the lot instead of 80, your insurance costs drop meaningfully. The latest dealer sentiment data shows inventory management is top of mind for independents in 2026, and insurance savings are one more reason to keep your lot lean.
Location Risks and Lot Security Measures
A dealer in Florence with a fenced, well-lit lot and security cameras will pay less than an unfenced lot on a high-traffic road in a higher-crime area. Insurers assess your physical location for theft risk, weather exposure, and traffic patterns.
South Carolina's coastal areas carry higher wind and hail premiums: that's just reality. But you can offset some of that cost with covered storage for high-value units, monitored alarm systems, and gated access after hours. Every security measure you add is a data point in your favor when your agent negotiates renewal rates.
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 Dealership Insurance
How much does dealer insurance cost per year? Most independent dealers in South Carolina spend between $5,000 and $15,000 annually for a full coverage package. The range depends on inventory size, location, number of employees, and claims history.
Do I need insurance just to get my dealer license? Yes. South Carolina requires proof of garage liability insurance and a surety bond before issuing or renewing a dealer license. Bond amounts have been climbing in several states, so check current SC requirements before renewal.
Is a standard business policy enough for a small lot? No. Even a five-car lot faces risks that standard policies exclude: test drive liability, inventory damage, and customer vehicle damage. Dealer-specific policies exist because the risks are genuinely different.
What happens if a customer wrecks a car on a test drive? Your garage liability policy covers test drive accidents. The customer's personal auto insurance may also respond, but you cannot rely on it. Some customers don't carry adequate coverage, and some carry none at all.
Can I bundle all my dealer policies together? Many carriers offer a garage package policy that bundles garage liability, garagekeepers, and open lot coverage into one form. This often reduces total premium compared to buying each policy separately, and it eliminates gaps between policies.
Boat and Watercraft Coverage for Weekend Adventures
Your homeowners policy might cover a small kayak or canoe, but anything with a motor typically needs its own policy. Boat insurance covers physical damage to the vessel, liability for injuries or property damage you cause on the water, and sometimes towing and salvage costs.
Lake-specific risks differ from coastal ones. A boat kept at Myrtle Beach faces saltwater corrosion, hurricane exposure, and higher theft rates than one stored at a private dock on Lake Wateree. Your policy should reflect where you keep and operate the boat. An independent agency like CSP Insurance Services can compare quotes across multiple marine carriers to find coverage that actually matches your boating habits rather than forcing you into a one-size-fits-all plan.
Boat and Watercraft Coverage for Weekend Adventures
Your homeowners policy might cover a small kayak or canoe, but anything with a motor typically needs its own policy. Boat insurance covers physical damage to the vessel, liability for injuries or property damage you cause on the water, and sometimes towing and salvage costs.
Lake-specific risks differ from coastal ones. A boat kept at Myrtle Beach faces saltwater corrosion, hurricane exposure, and higher theft rates than one stored at a private dock on Lake Wateree. Your policy should reflect where you keep and operate the boat. An independent agency like CSP Insurance Services can compare quotes across multiple marine carriers to find coverage that actually matches your boating habits rather than forcing you into a one-size-fits-all plan.
| Feature | Admitted (Standard) Carriers | Non-Admitted (E&S) Carriers |
|---|---|---|
| State regulation | Fully regulated; rates filed with state | Exempt from rate filing; flexible pricing |
| Guaranty fund protection | Yes: state fund covers claims if carrier fails | No: no guaranty fund backstop |
| Policy forms | Standardized (ISO forms common) | Manuscript or custom forms |
| Risk appetite | Prefers low-to-moderate risk | Accepts high-risk and unusual exposures |
| Premium cost | Generally lower | Typically 20-75% higher |
| Surplus lines tax | Not applicable | Buyer pays state surplus lines tax (varies 2-5%) |
| Speed of placement | Standard timelines | Can be faster or slower depending on complexity |
Does this cover me if a hacker steals my data?
Not exactly. Crime insurance covers financial theft, like funds transferred fraudulently. Data breaches and the costs associated with them (notification, credit monitoring, regulatory fines) fall under cyber liability insurance. Some overlap exists with computer fraud coverage, but a standalone cyber policy is the right tool for data-related incidents. The FBI found that 85% of cybercrime losses in 2025 traced back to human error, which underscores why both crime and cyber policies matter.
Making the Right Choice for Your Dealership
Getting your insurance right isn't about buying the most expensive package: it's about eliminating the gaps that could shut you down. The dealers who get burned are usually the ones who bought the cheapest policy they could find without understanding what it excluded.
Start by mapping your actual risks. How many vehicles do you carry? Do you do service work? How many employees are on payroll? Are you in a flood zone or a coastal wind zone? Your answers shape the exact coverage stack you need. An independent agency with experience in dealer accounts, like CSP Insurance Services, can compare options across multiple carriers and build a package that fits your operation instead of forcing you into a one-size-fits-all plan.
If you're unsure whether your current coverage has gaps, or if you're opening a new lot and need to build a policy from scratch, the simplest next step is to
request a quote from an agency that understands the independent dealer business. A 15-minute conversation now can save you from a six-figure headache later.
About the author
Lawson Walker, CIC
I'm proud to be part of an agency that's served Florence since 1939. CSP Insurance Services started as Cormell-Streett & Patterson, built by people who believed insurance should be personal — and more than eight decades later, that conviction still drives everything we do. Commitment, Service, Protection isn't just what CSP stands for; it's how I approach every client relationship.
As an independent, Trusted Choice agency, we aren't tied to any single carrier. That means I work for you — shopping multiple companies to match you with coverage that actually fits your family, your business, and your budget. No call centers, no chatbots. Just a local expert who takes the time to understand what matters to you and stands by you when it counts.
Whether you're protecting your home, your car, or a business you've spent years building, I'd be glad to help you find the right coverage.
We compare several carriers to find a policy that fits you, not one company's products.
◆
80+ years local experience
1939
Serving SC
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