South Carolina Landscaping and Lawn Care Insurance

Five-star CSP Insurance Services reviews for South Carolina Landscaping and Lawn Care Insurance

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

South Carolina Landscaping and Lawn Care Insurance icon

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

Medical expenses

Claims history

A single rock thrown by a mower blade can shatter a car windshield in under a second. A misapplied herbicide can kill a client's prized crepe myrtle and trigger a claim that costs thousands. If you run a landscaping or lawn care business in South Carolina, these aren't hypothetical scenarios: they're Tuesday. The state's long growing season, stretching roughly from March through November, means more billable hours but also more exposure to liability, property damage, and on-the-job injuries. Whether you're a solo operator running a few residential routes in Florence or managing a crew of ten handling commercial properties in Columbia, the right insurance setup is the difference between absorbing a bad day and losing your business over one. This guide breaks down the specific coverages SC landscapers need, from general liability and workers' comp to herbicide exposure and equipment protection, so you can make smart decisions about what to carry and what you can skip.

Understanding Liability Risks for SC Landscapers

Landscaping sits at a unique intersection of physical labor, heavy equipment, and chemical application, all performed on someone else's property. That combination creates a wide surface area for things to go wrong. South Carolina's humid subtropical climate adds its own wrinkles: frequent afternoon thunderstorms can turn a grading job into a drainage disaster, and coastal properties from Myrtle Beach south face wind and flood risks that inland crews rarely think about.

Common Property Damage Claims

The most frequent claims in this industry aren't dramatic. They're mundane. A trimmer nicks a vinyl fence. A mower throws a rock through a sliding glass door. A skid steer cracks a driveway. Irrigation installs that puncture buried utility lines are another regular headache, and those can get expensive fast. Herbicide overspray drifting onto a neighbor's garden beds is a claim type that's grown more common as residential lots get smaller and properties sit closer together.

Bodily Injury and Third-Party Risks

A passerby hit by flying debris, a client who trips over equipment left on a walkway, or a child injured near an active work zone: these are the bodily injury scenarios that keep insurance adjusters busy. In South Carolina, premises liability standards mean you can be held responsible even if the injured person was partially at fault, depending on the circumstances. Third-party claims from non-clients (neighbors, delivery drivers, pedestrians) are often the ones that catch business owners off guard because they assume their liability only extends to the client's property.

South Carolina HVAC Contractor Insurance from CSP Insurance Services
Lawson Walker F of CSP Insurance Services, helping with South Carolina Landscaping and Lawn Care Insurance

Your CSP agent

Lawson Walker, CIC

Insurance Sales

CSP Insurance Services is a fully licensed independent insurance agency serving individuals, families, and businesses across South Carolina.

From our home in Florence, we proudly serve clients in Florence, Myrtle Beach, Rock Hill, Columbia, and communities throughout South Carolina. As an independent Trusted Choice agency, our team works with a wide range of top-rated carriers to provide personal and commercial coverage — home, auto, business, life, and more — tailored to the real needs of the people and businesses we protect.

Boat and Watercraft Coverage for Weekend Adventures

Your homeowners policy might cover a small kayak or canoe, but anything with a motor typically needs its own policy. Boat insurance covers physical damage to the vessel, liability for injuries or property damage you cause on the water, and sometimes towing and salvage costs.


Lake-specific risks differ from coastal ones. A boat kept at Myrtle Beach faces saltwater corrosion, hurricane exposure, and higher theft rates than one stored at a private dock on Lake Wateree. Your policy should reflect where you keep and operate the boat. An independent agency like CSP Insurance Services can compare quotes across multiple marine carriers to find coverage that actually matches your boating habits rather than forcing you into a one-size-fits-all plan.

Feature Admitted (Standard) Carriers Non-Admitted (E&S) Carriers
State regulation Fully regulated; rates filed with state Exempt from rate filing; flexible pricing
Guaranty fund protection Yes: state fund covers claims if carrier fails No: no guaranty fund backstop
Policy forms Standardized (ISO forms common) Manuscript or custom forms
Risk appetite Prefers low-to-moderate risk Accepts high-risk and unusual exposures
Premium cost Generally lower Typically 20-75% higher
Surplus lines tax Not applicable Buyer pays state surplus lines tax (varies 2-5%)
Speed of placement Standard timelines Can be faster or slower depending on complexity

Businesses increasingly rely on portable tech: laptops, tablets, external drives, and mobile servers. A computer equipment floater covers these items when employees take them off-site, whether that's a sales rep carrying a laptop to a client meeting in Columbia or a nonprofit transporting presentation equipment to a fundraiser. Some policies even cover the cost of data restoration, which can be more expensive than the hardware itself.

Essential Coverage Types for Lawn Care Professionals

No single policy covers everything a landscaping business faces. The trick is layering the right coverages without paying for overlaps or leaving gaps that a single claim could exploit. Here's how the core policies break down for SC lawn care operators.

General Liability vs. Inland Marine Coverage

General liability (GL) is your foundation. It covers third-party bodily injury, property damage, and advertising injury claims. But GL has a blind spot that matters a lot for landscapers: your equipment. Tools and machines in transit or stored on a job site typically aren't covered by a standard GL policy. That's where inland marine insurance steps in. It covers movable business property, including mowers, blowers, trailers, and chainsaws, whether they're on your truck, at a client's home, or locked in your shop. Think of GL as protecting you from what you do to others, and inland marine as protecting what you own.

Commercial Auto Insurance for Work Trucks

South Carolina requires minimum auto liability limits of 25/50/25 (that's $25,000 per person, $50,000 per accident for bodily injury, and $25,000 for property damage) [https://www.insureon.com/small-business-insurance/commercial-auto/south-carolina]. Your personal auto policy almost certainly excludes vehicles used for business purposes, and if you're pulling a trailer loaded with equipment, you need commercial auto coverage that accounts for that weight and liability [https://www.priorityi.com/commercial-auto-insurance]. A crew truck hauling a 16-foot trailer through Rock Hill traffic is a very different risk profile than a commuter sedan, and your insurer needs to know the difference.

South Carolina HVAC Contractor Insurance from CSP Insurance Services

South Carolina State Insurance Requirements

SC has specific mandates that landscaping businesses can't afford to ignore. Getting these wrong doesn't just leave you exposed to claims: it can result in fines, license revocations, and personal liability for owners.

Workers' Compensation Laws in SC

South Carolina law under Title 42 requires workers' compensation insurance for any business that regularly employs four or more workers, and that headcount includes part-time, seasonal, and family members. Here's where landscapers get tripped up: seasonal hires during the spring rush or fall leaf season can push you over the four-employee threshold even if you run a two-person crew the rest of the year. The state doesn't care that it's temporary. If you hit four at any point and someone gets hurt, you're on the hook.

Pesticide and Herbicide Applicator Bonds

If your services include any chemical application, whether that's weed control, pre-emergent treatments, or insect management, South Carolina requires commercial pesticide applicators to maintain financial responsibility with a minimum of $50,000 per claim and $100,000 in annual aggregate coverage. This is separate from your general liability policy. Some operators satisfy this through a surety bond, others through a pollution liability endorsement. Either way, skipping it puts your applicator license at risk.

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

Standard vs. Professional Landscaping Policies

A basic business owner's policy (BOP) bundles general liability with property coverage, and it works fine for a lot of small businesses. But landscaping operations face risks that a standard BOP wasn't designed for. Here's how the two compare:

Coverage Feature Standard General Liability Landscaping Professional Liability
Third-party bodily injury Included Included
Third-party property damage Included Included
Errors & omissions (design/advice) Not included Included
Pollution/herbicide drift Typically excluded Available as endorsement or included
Completed operations Limited Extended coverage common
Equipment/tools coverage Requires separate inland marine Often bundled
Professional design liability Not included Included for hardscaping/landscape design

The industry is moving toward specialty insurance programs built around sector-specific risks, and that trend matters for SC landscapers. If you're doing anything beyond basic mowing, including hardscape installation, irrigation design, or chemical treatments, a standard GL policy likely leaves you exposed. Errors and omissions coverage protects you when a design fails or professional advice leads to a bad outcome, and pollution liability covers the herbicide drift scenario that standard policies explicitly exclude.

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.

Factors That Influence Your Premium Costs

Insurance isn't one-size-fits-all, and two landscaping businesses operating in the same South Carolina city can see wildly different premiums. Understanding what moves the needle helps you control costs without sacrificing coverage.

Annual Revenue and Payroll Size

Insurers use revenue and payroll as proxies for exposure. A company billing $500,000 a year with a $200,000 payroll represents more risk than a solo operator grossing $60,000. Workers' comp premiums are calculated directly from payroll figures, so accurate classification of employees matters. Misclassifying a tree climber as general grounds maintenance can trigger an audit surcharge that wipes out any short-term savings.

Service Scope: Mowing vs. Tree Removal

What you actually do on a job site changes your risk profile dramatically. Basic mowing and edging sits at one end of the spectrum. Tree removal, stump grinding, and heavy equipment operation sit at the other. An operator who adds hardscaping or retaining wall construction to their service menu will see premium increases because those activities carry higher injury and property damage potential. Some insurers won't even quote tree removal without proof of specific training or certification. If you're expanding your service offerings, talk to your agent before you take the first job, not after a claim.


An independent agency like CSP Insurance Services can compare quotes across multiple carriers to find a policy that matches your actual service mix rather than forcing you into a generic package. That kind of comparison shopping is especially valuable for landscapers whose operations span multiple risk categories.

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

Frequently Asked Questions

Do I need insurance if I only mow a few yards a week? Technically, South Carolina doesn't require general liability for sole proprietors with no employees. But one rock through a window or one slip-and-fall on a client's property can cost you thousands out of pocket. Even part-time operators should carry at least a basic GL policy.


Does my personal car insurance cover my work trailer? Almost certainly not. Personal auto policies exclude business use in most cases, and towing a trailer loaded with commercial equipment is clearly business use. You need a commercial auto policy that lists the trailer and its contents.


What happens if my equipment gets stolen from a job site? Your general liability policy won't cover it. You need inland marine insurance, which protects tools and equipment whether they're on a job site, in transit, or stored at your shop. File a police report immediately and document everything with photos and serial numbers.


Is Workers' Comp required for seasonal employees in South Carolina? Yes, if adding seasonal workers brings your total employee count to four or more. South Carolina's workers' compensation threshold counts part-time and seasonal staff toward that number. Even a temporary bump during peak season can trigger the requirement.


How much does a basic policy cost for a small business? Premiums vary based on revenue, payroll, services offered, and claims history. A solo mowing operation will pay significantly less than a full-service company with tree removal and chemical application. The best way to get an accurate number is to request quotes from multiple carriers through an independent agent who understands your specific operations.

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.

Making the Right Choice for Your Business

Running a landscaping business in South Carolina means managing real physical risks every single day. The right insurance package protects your equipment, your crew, your clients, and ultimately your livelihood. Getting it wrong, whether by underinsuring, skipping workers' comp, or ignoring pollution liability, can turn a single bad day into a business-ending event.


The smartest move is working with someone who understands both the insurance market and the specific risks SC landscapers face. CSP Insurance Services has been helping South Carolina businesses find the right coverage since 1939, and because they're independent, they can shop your policy across multiple carriers to find the best fit for your operation. No call centers, no chatbots: just a real conversation with someone who knows the industry.


If you're starting a new crew, expanding your services, or just want to make sure your current coverage actually matches what you're doing in the field, request a quote and get a policy review tailored to your business. It's the kind of thing that feels like a chore until the day it saves you everything.

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

South Carolina Landscaping and Lawn Care Insurance - Florence Statue
South Carolina Landscaping and Lawn Care Insurance - Florence Statue

1939

Serving SC

Meet Richard

Most Requested

Core business coverage.

The policies most South Carolina businesses start with.

Commercial Property Insurance from CSP Insurance Services

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 Comp from CSP Insurance Services

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 Insurance from CSP Insurance Services

Commercial Auto

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

General Liability from CSP Insurance Services

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 Insurance from CSP Insurance Services

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 Policy from CSP Insurance Services

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

South Carolina Landscaping and Lawn Care Insurance - Florence Statue
South Carolina Landscaping and Lawn Care Insurance - Florence Statue

1939

Serving SC

Lawson of CSP Insurance Services, helping with South Carolina Landscaping and Lawn Care Insurance

Insurance Sales

J. Roger Jordan, CIC

Meet Richard

[CONFIRM bio]

Personal Insurance

Coverage for your home, vehicles, and family.

Protect what matters most with personal policies shopped across our carriers.

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Home

Your house is likely your largest investment. Home insurance helps rebuild after covered damage and protects you from liability.

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Auto

South Carolina drivers need real protection. Auto coverage handles liability, collision, medical costs, and uninsured drivers.

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Umbrella

When a serious claim climbs past your home or auto limits, umbrella coverage adds an extra layer of liability protection.

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Boat

Time on the water should be worry-free. Boat coverage protects your vessel, your passengers, and your liability on the lake or coast.

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Motorcycle

Riders need coverage built for the road. Motorcycle insurance protects your bike, your gear, and you after an accident.

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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

South Carolina Landscaping and Lawn Care Insurance - Florence Statue
South Carolina Landscaping and Lawn Care Insurance - Florence Statue

1939

Serving SC

Lawson of CSP Insurance Services, helping with South Carolina Landscaping and Lawn Care Insurance

Insurance Sales

J. Roger Jordan, CIC

Meet Richard

[CONFIRM bio]

Get a Quote

Boat

Your association covers the building, but not what’s inside. Condo insurance protects your belongings, improvements, and liability.

Time on the water should be worry-free. Boat coverage protects your vessel, your passengers, and your liability on the lake or coast.

Condo

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Get a Quote
South Carolina Landscaping and Lawn Care Insurance icon

Motorcycle

Riders need coverage built for the road. Motorcycle insurance protects your bike, your gear, and you after an accident.

South Carolina Landscaping and Lawn Care Insurance icon
Get a Quote

Industries We Serve

Specialized coverage for your industry.

Every industry carries its own risk. We help South Carolina businesses protect what they've built.

Restaurant Insurance from CSP Insurance Services

Restaurants

Kitchens, customers, and staff create daily exposure. We protect your property, equipment, liquor liability, and employees.

Manufacturer Insurance from CSP Insurance Services

Manufacturers

From equipment breakdown to product liability, manufacturers face risk on the floor and beyond. We help cover property, machinery, and goods.

Healthcare Insurance from CSP Insurance Services

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

South Carolina Landscaping and Lawn Care Insurance - Florence Statue
South Carolina Landscaping and Lawn Care Insurance - Florence Statue

1939

Serving SC

Commercial Property Insurance from CSP Insurance Services

Commercial Property

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

Meet Richard View all business coverage Get a Quote

Commercial Auto

Get a Quote

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

How It Works

Getting covered is simple.

Four steps, one real person from start to finish.

Tell us about you

Share a few details about what you need to protect. A real person reviews it.

We compare carriers

We shop options across our carriers to find strong protection at a fair price.

We recommend coverage

We walk you through the policy in plain language and answer every question.

You get covered

Sign with confidence — and we stay on for changes, claims, and yearly reviews.

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

Multi-carrier choice

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Claims advocacy

When a claim happens, we stand in your corner and help move it forward with your carrier.

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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

South Carolina Landscaping and Lawn Care Insurance - Florence Statue
South Carolina Landscaping and Lawn Care Insurance - Florence Statue

1939

Serving SC

Lawson of CSP Insurance Services, helping with South Carolina Landscaping and Lawn Care Insurance

Insurance Sales

J. Roger Jordan, CIC

Meet Richard

[CONFIRM bio]

Get a Quote

Boat

Your association covers the building, but not what’s inside. Condo insurance protects your belongings, improvements, and liability.

Time on the water should be worry-free. Boat coverage protects your vessel, your passengers, and your liability on the lake or coast.

Condo

South Carolina Landscaping and Lawn Care Insurance icon
Get a Quote
South Carolina Landscaping and Lawn Care Insurance icon

Motorcycle

Riders need coverage built for the road. Motorcycle insurance protects your bike, your gear, and you after an accident.

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Get a Quote

FAQs

Questions, answered.

Straight answers about working with an independent agency.

South Carolina Landscaping and Lawn Care Insurance - Sc Statehouse
  • 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.

South Carolina Workers' Compensation Requirements for Employers: The 4-Employee Rule and Exemptions

South Carolina Workers' Compensation Requirements for Employers: The 4-Employee Rule and Exemptions in 2026

21 September 2026
South Carolina workers' comp requirements for 2026 explained: the 4-employee rule, exemptions, contractor classification, penalties, and compliance.
Term vs. Whole Life Insurance in South Carolina: How Much Coverage Costs and Which to Choose

Term vs. Whole Life Insurance in South Carolina: How Much Coverage Costs and Which to Choose

29 August 2026
Compare term vs. whole life insurance in South Carolina, including costs, coverage options, regulations, and tips to choose the right policy for your family.
How Much Does Business Insurance Cost for a Small Business in Florence, SC?

How Much Does Business Insurance Cost for a Small Business in Florence, SC?

6 August 2026
Learn how much small business insurance costs in Florence, SC, including GL, workers’ comp, property coverage, pricing factors, and ways to save.

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

◆

80+ years local experience

South Carolina Landscaping and Lawn Care Insurance - Florence Statue
South Carolina Landscaping and Lawn Care Insurance - Florence Statue

1939

Serving SC

Lawson of CSP Insurance Services, helping with South Carolina Landscaping and Lawn Care Insurance

Insurance Sales

J. Roger Jordan, CIC

Meet Richard

[CONFIRM bio]

Get a Quote

Boat

Your association covers the building, but not what’s inside. Condo insurance protects your belongings, improvements, and liability.

Time on the water should be worry-free. Boat coverage protects your vessel, your passengers, and your liability on the lake or coast.

Condo

South Carolina Landscaping and Lawn Care Insurance icon
Get a Quote
South Carolina Landscaping and Lawn Care Insurance icon

Motorcycle

Riders need coverage built for the road. Motorcycle insurance protects your bike, your gear, and you after an accident.

South Carolina Landscaping and Lawn Care Insurance icon
Get a Quote

Get a Quote

Let's find your coverage.

Tell us a little about what you need to protect. A real person from our Florence team will review it and follow up.

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2420 Hoffmeyer Road, Suite D
Florence, SC 29501

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South Carolina Landscaping and Lawn Care Insurance icon
South Carolina Landscaping and Lawn Care Insurance icon

Mon–Fri 8:30am – 5:00pm