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 slip-and-fall on a rain-soaked gymnasium floor. A bus fender-bender on a field trip to Columbia. A ransomware attack that locks down every student record in the district. Any of these incidents can cost a South Carolina school district hundreds of thousands of dollars, and they happen more often than most administrators want to think about. In 2025 alone, 41 publicly reported damage awards and settlements involving educational institutions exceeded $2.5 million each, a stark reminder that schools face serious financial exposure from multiple directions.
Building the right insurance program for a K-12 school isn't about checking a box. It's about understanding where your actual risks live: on the playground, in the cafeteria kitchen, behind the wheel of a 40-foot bus, and inside the servers storing thousands of minors' personal information. A complete coverage guide for school insurance has to account for general liability, workers comp, commercial auto, and a handful of education-specific policies that most commercial operations never need. Getting any one of these wrong can leave a district exposed in ways that are painful and expensive to discover after a claim.
This guide breaks down each layer of coverage, explains how they interact, and highlights the gaps that South Carolina school administrators most commonly miss.
Understanding Core Coverage for K-12 Institutions
Every school insurance program starts with two foundational policies: general liability and commercial property. These aren't optional or nice-to-have. They're the bedrock that protects the district from the most common and most expensive claims.
General Liability and Campus Safety
General liability insurance covers third-party bodily injury and property damage claims that happen on school grounds or because of school operations. Think of a parent who trips on a cracked sidewalk during a PTA meeting, or a visiting athlete who breaks an ankle on a poorly maintained field. These claims can escalate quickly, especially when the injured party is a minor.
Most districts carry $1 million per occurrence and $2 million aggregate limits, though larger districts in urban areas like Columbia or Myrtle Beach often carry higher limits or supplement with umbrella policies. One thing to keep in mind: general liability does not cover professional errors made by educators. That's a separate policy entirely, and confusing the two is one of the most common mistakes districts make.
South Carolina schools should also pay attention to their premises liability exposure. Coastal districts deal with unique hazards like flooding and wind damage that can create dangerous conditions on campus. Your GL policy won't fix a leaky roof, but it will respond when someone gets hurt because of one.
Commercial Property for Buildings and Equipment
A typical K-12 campus includes classrooms, administrative buildings, gymnasiums, auditoriums, athletic fields, and increasingly expensive technology infrastructure. Commercial property insurance protects all of it against fire, theft, vandalism, and weather damage.
For South Carolina schools, wind and hail coverage is critical. Coastal districts from Myrtle Beach down through the Lowcountry face hurricane exposure that inland districts don't, and standard property policies often exclude or sublimit wind damage. Flood insurance is a separate purchase through the National Flood Insurance Program or private markets, and any school in a FEMA-designated flood zone needs it.
Don't overlook equipment breakdown coverage either. A failed HVAC system in August can shut down a school for days and cost tens of thousands to repair. Modern property policies can include this endorsement, but you have to ask for it.
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.
Natural Disasters and High-Value Items Requiring Riders
Workers Compensation for Employees and Contractors
South Carolina requires workers compensation insurance for any employer with four or more employees. If your HOA has maintenance staff, groundskeepers, pool attendants, or front desk employees, you likely need a workers comp policy. The policy covers medical expenses and lost wages for employees injured on the job, and it protects the HOA from lawsuits related to workplace injuries.
Here's where it gets tricky: even if your HOA uses independent contractors for landscaping or maintenance, some contractors don't carry their own workers comp. If an uninsured contractor gets hurt on your property, the HOA could be held responsible. Always require certificates of insurance from every contractor, and verify their workers comp coverage is active before work begins. This is one of the most common coverage gaps we see in community associations across the Florence and Columbia areas.
Workers Compensation for Employees and Contractors
Protecting Staff and Faculty with Workers Comp
South Carolina requires workers compensation insurance for virtually all employers with four or more employees. Every school district in the state carries it, but not every district manages it well.
Common School Injuries and Claims
School employees face a wider range of workplace injuries than people realize. Custodians suffer back injuries from lifting and repetitive motion. Cafeteria workers deal with burns and slips. Teachers and aides are increasingly filing claims related to physical altercations with students, particularly in special education settings.
Mental health-related claims are a growing trend across the workers comp industry. Educators experiencing workplace stress, anxiety, and PTSD are filing claims at higher rates than in previous years, and several states are expanding the definition of compensable injuries to include psychological harm. South Carolina hasn't fully adopted these expansions yet, but the trend is moving in that direction, and districts should be prepared.
State Requirements and Compliance
South Carolina's Workers Compensation Commission oversees the system, and the penalties for non-compliance are serious: fines, stop-work orders, and personal liability for administrators. Districts must report injuries promptly and maintain accurate records.
One area where schools often stumble is classifying employees correctly. Coaches who also teach, part-time aides, and volunteer coordinators all need proper classification. Misclassification doesn't just create compliance problems: it skews your experience modification rate, which directly affects your premium. Workplace safety technology and AI-driven risk assessment tools are becoming more common in 2026, and districts that invest in injury prevention tend to see lower mod rates over time.
Umbrella insurance is the most underused and underappreciated policy in personal lines. It sits on top of your auto and homeowners liability limits and kicks in when those underlying policies max out. A $1 million umbrella policy typically costs between $150 and $350 per year: a fraction of what it protects.
Think about the scenarios that generate large liability claims: a serious car accident where you're at fault, a swimming pool injury at your home, a defamation claim from a social media post. Any of these can produce a judgment that exceeds your auto or homeowners liability limits. Without an umbrella, the excess comes out of your savings, retirement accounts, and future earnings.
Most carriers require you to carry minimum underlying limits (often 250/500 on auto and $300,000 on homeowners liability) before they'll write an umbrella. That requirement actually works in your favor because it forces a solid foundation. CSP Insurance Services, with over 80 years of experience as an independent agency, can help structure your underlying policies and umbrella together so there are no gaps between layers.
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 |
Managing Transportation and Fleet Risks
If your district operates buses, you have one of the most visible and high-stakes risk exposures in public education. A single serious bus accident can generate claims in the millions.
Hired and Non-Owned Auto Liability
Not every school trip uses a district-owned bus. Teachers drive personal vehicles to off-campus events. Districts rent vans for small group travel. Hired and non-owned auto liability fills the gap when an employee causes an accident in a vehicle the district doesn't own.
South Carolina's minimum auto liability limits are 25/50/25, meaning $25,000 per person, $50,000 per accident for bodily injury, and $25,000 for property damage. Those minimums are dangerously low for a school district. Most risk managers recommend carrying at least $1 million in combined single-limit coverage, backed by an umbrella policy.
Bus Fleet and Student Transport Safety
School bus insurance is a specialized product. Commercial bus insurance costs vary significantly based on fleet size, driver records, and route complexity, and districts with poor claims histories can see premiums spike dramatically.
Driver training programs, GPS monitoring, and camera systems all help reduce risk and can earn premium credits from insurers. If your district contracts with a third-party transportation provider, make sure your contract requires them to carry adequate insurance and names the district as an additional insured. This is a gap that shows up in claims far too often.
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.
Does my landlord's insurance cover my things?
No. The landlord's policy only covers the physical building and their own liability. Your furniture, electronics, clothing, and personal items are entirely your responsibility to insure.
Business owners frequently confuse D&O with other liability policies. The confusion is understandable because there's overlap in language, but the coverage targets are fundamentally different.
Boat and Watercraft Coverage for Weekend Adventures
Specialized Policies for Education Risks
General commercial policies don't cover everything a school faces. Several education-specific risks require their own policies.
Educators Legal Liability (ELL)
ELL coverage protects teachers, administrators, and board members against claims of wrongful acts in their professional capacity. This includes allegations of improper discipline, failure to educate, discrimination, and wrongful termination. The education insurance market has seen persistent pressure from rising claim frequency in these areas, making ELL more important than ever. A general liability policy won't respond to a lawsuit alleging that a principal violated a student's due process rights. ELL will.
Sexual Misconduct and Molestation Coverage
This is uncomfortable to talk about and essential to carry. Abuse and molestation coverage responds to claims of sexual misconduct by employees, volunteers, or other students. Many standard GL policies exclude these claims entirely, or sublimit them to amounts that won't cover a serious lawsuit.
Districts should pair this coverage with strong screening and prevention protocols. Organizations like Praesidium have published research on abuse prevention that can help schools build better safeguards. Insurers increasingly want to see these programs in place before they'll offer full limits.
Cyber Insurance for Student Data Privacy
Schools store Social Security numbers, medical records, IEP documents, and behavioral reports for thousands of minors. A data breach doesn't just create legal liability: it creates a public trust crisis. Cyber insurance covers breach notification costs, forensic investigation, legal defense, and regulatory fines.
In 2026, cyber insurers are requiring districts to demonstrate specific security controls before issuing policies. Multi-factor authentication, endpoint detection, and documented incident response plans are now baseline requirements for most carriers. Districts that can't prove these controls in place may find coverage unavailable or prohibitively expensive. Investing in cybersecurity isn't just good practice: it's becoming a measurable return on investment for K-12 districts.
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 |
Garagekeepers Insurance for Customers' RVs in Service
Comparison: General Liability vs. Educators Legal Liability
These two policies confuse a lot of people, so here's a clear breakdown:
| Feature | General Liability | Educators Legal Liability |
|---|---|---|
| What it covers | Bodily injury, property damage to third parties | Wrongful acts in a professional education capacity |
| Typical claims | Slip-and-fall, sports injuries, property damage | Discrimination, improper discipline, failure to educate |
| Who's covered | The district as an entity | Individual educators, administrators, board members |
| Exclusions to note | Professional errors, abuse/molestation (often) | Bodily injury, criminal acts |
| Typical limits | $1M/$2M | $1M/$3M |
| equired by SC law? | Not mandated but practically essential | Not mandated but strongly recommended |
The key takeaway: these policies don't overlap much. You need both. A district that only carries GL is leaving its educators personally exposed to professional liability claims.
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.
Does my landlord's insurance cover my things?
No. The landlord's policy only covers the physical building and their own liability. Your furniture, electronics, clothing, and personal items are entirely your responsibility to insure.
Common Questions About School Insurance
FAQ: Cost, Compliance, and Claims
Does South Carolina require schools to carry general liability insurance? There's no state statute mandating GL for public schools, but operating without it would be reckless. Most school boards require it as a matter of policy, and bond covenants typically mandate it.
How much does workers comp cost for a school district? Premiums depend on payroll, number of employees, claims history, and your experience modification rate. A mid-sized SC district might pay between $3 and $6 per $100 of payroll for teaching staff, with higher rates for maintenance and transportation workers.
Are volunteers covered under the school's insurance? It depends on the policy. Some GL policies extend coverage to authorized volunteers, but workers comp typically does not cover volunteers unless the district specifically adds them. Always check your policy language.
Do charter schools need different insurance than public schools? Charter schools generally need the same types of coverage but often purchase their own policies rather than falling under a district's program. They may also need directors and officers liability insurance for their independent boards.
What's the biggest coverage gap you see in school insurance programs? Cyber liability, hands down. Many districts either don't carry it or carry limits that are far too low for the volume of sensitive student data they hold.
Should schools carry umbrella or excess liability policies? Yes. With jury verdicts and settlements routinely exceeding primary policy limits, an umbrella policy that adds $5 million to $10 million in additional coverage is one of the best investments a district can make.
Boat and Watercraft Coverage for Weekend Adventures
Your homeowners policy might cover a small kayak or canoe, but anything with a motor typically needs its own policy. Boat insurance covers physical damage to the vessel, liability for injuries or property damage you cause on the water, and sometimes towing and salvage costs.
Lake-specific risks differ from coastal ones. A boat kept at Myrtle Beach faces saltwater corrosion, hurricane exposure, and higher theft rates than one stored at a private dock on Lake Wateree. Your policy should reflect where you keep and operate the boat. An independent agency like CSP Insurance Services can compare quotes across multiple marine carriers to find coverage that actually matches your boating habits rather than forcing you into a one-size-fits-all plan.
| Feature | Admitted (Standard) Carriers | Non-Admitted (E&S) Carriers |
|---|---|---|
| State regulation | Fully regulated; rates filed with state | Exempt from rate filing; flexible pricing |
| Guaranty fund protection | Yes: state fund covers claims if carrier fails | No: no guaranty fund backstop |
| Policy forms | Standardized (ISO forms common) | Manuscript or custom forms |
| Risk appetite | Prefers low-to-moderate risk | Accepts high-risk and unusual exposures |
| Premium cost | Generally lower | Typically 20-75% higher |
| Surplus lines tax | Not applicable | Buyer pays state surplus lines tax (varies 2-5%) |
| Speed of placement | Standard timelines | Can be faster or slower depending on complexity |
Making the Right Choice for Your District
Building a school insurance program isn't a one-and-done exercise. Risks shift as enrollment changes, new buildings open, technology evolves, and the legal environment moves. A policy package that worked five years ago almost certainly has gaps today.
The smartest approach is working with an independent agency that can compare options across multiple carriers rather than pushing a single company's products. An agency like CSP Insurance Services, which has been serving South Carolina organizations since 1939, can evaluate your district's specific exposures, from coastal property risks in Myrtle Beach to fleet operations in Florence, and build a program that actually fits.
If you're responsible for a school district's insurance and haven't reviewed your coverage recently, now is the time. Request a quote from CSP's team to get a no-pressure review of your current program. A 30-minute conversation could reveal gaps you didn't know existed, and that's a lot cheaper than finding out during 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.
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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