CSP Insurance Services was founded in 1939, when Clifford Cormell joined Earnest Streett to sell insurance in Florence. More than 80 years later, we still answer the phone ourselves. No call centers, no chatbots — just a local team that knows your name and your policy.
We compare several carriers to find a policy that fits you, not one company's products.
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80+ years local experience
Hospital bills, treatment, and prescriptions for a work-related injury or illness.
Medical expenses
Claims history
Running an IT services company in South Carolina means juggling client expectations, tight deadlines, and the constant threat of a data breach or system outage that could undo months of good work. A single misconfigured server or a missed vulnerability can lead to a lawsuit, and if you don't have the right insurance in place, that lawsuit could shut down your business faster than any cyberattack. Whether you're a two-person MSP working out of Florence or a growing software firm in Columbia, the insurance policies you carry need to match the risks you actually face, not just check a box for compliance. South Carolina has its own rules around workers' compensation, auto liability, and general business coverage that differ from neighboring states, and getting those details wrong can be expensive. This guide breaks down the essential coverage types for IT professionals in the Palmetto State: general liability, workers' comp, commercial auto, and the industry-specific policies that most tech businesses overlook until it's too late. If you've been putting off an insurance review because the options feel overwhelming, this is the place to start.
Essential Insurance Requirements for South Carolina IT Businesses
IT companies face a unique combination of risks that traditional business insurance doesn't always address. You're working with sensitive client data, deploying to production environments where mistakes can cascade, and often sending technicians to client offices with equipment in tow. A standard business owner's policy might cover a slip-and-fall at your office, but it won't touch a claim from a client whose revenue tanked because your code introduced a bug into their payment system.
The core coverage stack for most South Carolina IT businesses includes general liability, professional liability (often called E&O), and cyber liability. Each addresses a different category of risk, and gaps between them are where claims tend to land. Getting these three right is the foundation, and everything else builds on top.
General Liability: Protection Against Physical Risks
General liability insurance covers bodily injury and property damage claims that arise from your business operations. If a technician trips over a cable at a client's office and damages their server rack, or if a visitor slips on a wet floor at your workspace in Myrtle Beach, GL is the policy that responds.
For IT companies, GL claims are less frequent than in construction or retail, but they still happen. A common scenario: you're installing network equipment at a client's location and accidentally drill through a water pipe. The resulting water damage to their office isn't covered by your professional liability policy. That's a GL claim. Most South Carolina IT firms carry $1 million per occurrence and $2 million aggregate, which is also the threshold most commercial landlords require before they'll sign a lease.
Professional Liability and Errors & Omissions
This is the policy that matters most for IT businesses, and it's the one I see companies skip most often because they think GL has them covered. Professional liability, or E&O, protects you when your work product causes financial harm to a client. Think: a botched migration that results in data loss, a security recommendation that turns out to be inadequate, or a software deployment that crashes a client's e-commerce site during peak season.
E&O premiums for IT professionals typically range from $500 to $3,000 annually depending on your revenue, the services you offer, and your claims history. If you're providing consulting, development, or managed services, this coverage isn't optional. It's the difference between surviving a client dispute and watching your savings account drain to zero.
Cyber Liability: Managing Data Breach Costs
If you handle client data, and virtually every IT company does, cyber liability insurance is essential. A data breach notification in South Carolina can cost tens of thousands of dollars before you even get to the legal fees. Cyber policies cover breach notification costs, credit monitoring for affected individuals, forensic investigation, and legal defense.
The good news for buyers is that the 2026 cyber insurance market continues to favor purchasers with competitive pricing, though policy terms have tightened. Insurers are scrutinizing what's actually covered, particularly around social engineering fraud and system outage claims. Read the exclusions carefully. A policy that looks affordable might exclude the exact scenario you're most likely to face.
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 |
South Carolina State Mandates: Workers Comp and Commercial Auto
South Carolina has specific legal requirements that apply to IT businesses regardless of size, and the penalties for non-compliance aren't trivial. Two areas trip up tech companies more than any other: workers' compensation and commercial auto.
Understanding the Three-Employee Rule for Workers Comp
South Carolina requires workers' compensation insurance for any business with four or more employees. That's the threshold most IT companies hit pretty quickly, especially once you count part-time staff and W-2 contractors. The maximum weekly compensation rate increased to $1,189.94 effective January 1, 2026, which affects both premium calculations and benefit payouts.
Here's what catches some IT business owners off guard: even if you have only three employees and aren't technically required to carry workers' comp, going without it means you lose the protection of the exclusive remedy doctrine. That means an injured employee can sue you directly in civil court for full damages, not just workers' comp benefits. For a small company, that exposure can be catastrophic. Many IT firms with fewer than four employees carry the coverage anyway because the premiums are modest compared to the risk.
The NCCI advisory forum for South Carolina provides updated rate information that affects how premiums are calculated for technology-sector employers. Your classification code matters: IT workers generally fall into lower-risk categories, which keeps premiums reasonable.
Commercial Auto Insurance for On-Site Client Visits
If your technicians drive to client sites, and most IT service companies operate this way, you need commercial auto insurance. South Carolina's minimum auto liability requirements are 25/50/25: $25,000 per person for bodily injury, $50,000 per accident, and $25,000 for property damage. Those minimums are low for a business vehicle, and most carriers recommend higher limits.
A detail that surprises many business owners: your personal auto policy won't cover an accident that happens while an employee is driving their own car for work purposes. You need either a commercial auto policy or, at minimum, hired and non-owned auto coverage added to your business policy. Telematics and AI-driven risk assessment are reshaping commercial auto underwriting in 2026, which means carriers are pricing policies more precisely based on actual driving behavior rather than broad industry averages.
| 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.
Comparing Core Coverage Types for IT Professionals
Understanding how these policies overlap and where they don't is critical. Here's a quick comparison:
| Coverage Type | What It Covers | What It Doesn't Cover | Typical Annual Cost (Small IT Firm) |
|---|---|---|---|
| General Liability | Bodily injury, property damage at client sites or your office | Professional mistakes, data breaches | $400 - $1,500 |
| Professional Liability / E&O | Errors in your work, failed deliverables, negligent advice | Physical injuries, auto accidents | $500 - $3,000 |
| Cyber Liability | Data breaches, ransomware response, notification costs | Bodily injury, property damage | $750 - $3,500 |
| Workers' Compensation | Employee injuries on the job | Independent contractor injuries | Varies by payroll |
| Commercial Auto | Vehicle accidents during business use | Personal use accidents | $1,200 - $3,000 per vehicle |
The key takeaway from this table: no single policy covers everything. An independent agency like CSP Insurance Services can help you identify where your specific gaps are, since they work with multiple carriers and can compare options side by side rather than pushing one company's 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 |
Industry-Specific Policies for Specialized Tech Services
Generic business insurance misses the mark for many IT specializations. The risks a managed service provider faces are fundamentally different from those of a custom software developer, and your coverage should reflect that.
Managed Service Providers (MSPs) and Tech E&O
MSPs carry a unique burden: you're often the first line of defense for your clients' entire IT infrastructure. If a client's network goes down because of a patch you deployed, or if ransomware gets through a firewall you manage, the finger points at you. Tech E&O policies designed for MSPs typically include coverage for service interruptions you cause, failure to maintain systems as contracted, and vicarious liability for third-party software you recommend.
One thing to keep in mind: standard E&O policies often exclude coverage for managed security services. If you're offering SOC monitoring, endpoint detection, or incident response as part of your service package, make sure your policy explicitly covers those activities. An MSP in Rock Hill learned this the hard way when a client's breach led to a six-figure claim that their generic E&O policy excluded because "security monitoring" wasn't listed as a covered service.
Software Developers and Intellectual Property Coverage
Software developers face IP-related risks that most insurance policies don't address by default. If a former employee's code ends up in your product, or if a client claims your software infringes on their patent, you need intellectual property defense coverage. This is typically added as an endorsement to your professional liability policy rather than purchased as a standalone product.
Open-source licensing disputes are another growing area of risk. Using a GPL-licensed library in proprietary code can trigger legal action, and the defense costs alone can run into five figures. Developers should also consider technology products liability coverage, which responds when your software causes harm after delivery, not just during the development phase.
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 IT Insurance in South Carolina
Do I need insurance if I'm a solo IT consultant working from home? Yes. Even without employees, a client can sue you for a mistake in your work. Professional liability is the minimum you should carry, and your homeowner's policy won't cover business-related claims
How does South Carolina's coastal location affect my premiums? If your office is in a coastal area like Myrtle Beach, you may face higher property insurance costs due to hurricane and wind/hail exposure. Your liability premiums are generally unaffected by location.
Can I bundle IT-specific policies together? Most carriers offer a technology business owner's policy (Tech BOP) that combines GL, property, and sometimes E&O into one package. Bundling usually saves 10-15% compared to buying each policy separately.
What happens if I don't carry workers' comp and an employee gets hurt? You face fines from the South Carolina Workers' Compensation Commission, and the injured employee can sue you in civil court for full damages with no cap on what a jury might award.
Does my cyber policy cover social engineering fraud? Many policies now exclude or sub-limit social engineering losses. If your team could fall for a phishing email that results in a wire transfer, verify that your policy covers this scenario with adequate limits.
Are 1099 contractors covered under my workers' comp policy?
Generally no, but South Carolina looks at the actual working relationship, not just the contract label. If the state reclassifies a contractor as an employee, you could be liable for unpaid premiums and penalties.
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 Tech Business
Getting insurance right for an IT company in South Carolina isn't about buying the most expensive package or checking every box on a list. It's about matching your actual risk profile to the right combination of policies. A three-person MSP in Florence needs different coverage than a 25-person software development shop in Columbia, and a one-size-fits-all approach leaves gaps that only show up when you file a claim
Start by listing the services you actually provide, the data you handle, and how your team gets to client sites. Those three factors drive most of your insurance needs. From there, working with an independent agency gives you the advantage of comparing multiple carriers without doing the legwork yourself. CSP Insurance Services has been helping South Carolina businesses find the right fit since 1939, and their team can walk you through the specifics of your situation without the runaround of a call center.
If you're ready to see what proper IT coverage looks like for your business,
request a quote and get a clear picture of your options. The best time to fix a coverage gap is before you need to file a claim.
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
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