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
How Reimbursement-Based Health Benefits Work
| Factor | Actual Cash Value (ACV) | Replacement Cost Value (RCV) |
|---|---|---|
| Payout basis | Current depreciated value | Cost to buy new equivalent |
| Example: 5-year-old sofa (paid $800) | ~$300 payout | ~$800 payout |
| Example: 3-year-old laptop (paid $1,200) | ~$400 payout | ~$1,100 payout |
| Monthly premium | Lower (baseline) | 10-15% higher |
| Best for | Budget-conscious, minimal belongings | Most renters with standard possessions |
| Claim satisfaction | Often disappointing | Generally adequate |
A single missed deadline, a slip-and-fall in your lobby, or a data breach exposing client records: any one of these can cost a law firm hundreds of thousands of dollars. Most attorneys understand risk better than the average business owner, yet a surprising number carry incomplete insurance coverage for their own practice. Whether you run a solo operation out of a Florence office or manage a multi-attorney firm in Columbia, the right mix of policies can mean the difference between a bad week and a firm-ending catastrophe. This guide to law firm insurance breaks down the essential coverages, from general liability and workers comp to commercial auto and industry-specific protections, so you can identify gaps before they become claims.
Essential Core Coverage for Law Offices
Every law firm, regardless of size or specialty, shares a baseline set of risks. Clients walk through your doors. Staff use equipment. Files, furniture, and technology represent real financial investment. The policies in this section form the foundation that every legal practice should have in place before layering on specialty coverage.
General Liability for Client and Visitor Safety
General liability insurance covers third-party bodily injury and property damage claims. If a client trips over a loose carpet edge in your Myrtle Beach office and breaks a wrist, this is the policy that pays their medical bills and your legal defense costs. It also covers advertising injury, which includes claims of libel or slander in your firm's marketing materials.
Most law firms carry $1 million per occurrence and $2 million aggregate limits, though firms with higher foot traffic or multiple locations may need more. South Carolina doesn't mandate general liability for law offices, but most commercial leases require proof of coverage before you sign. Premiums for a small firm typically run between $500 and $1,500 per year, making this one of the most affordable protections available.
Protecting Physical Assets with Commercial Property Insurance
Your office furniture, computers, case files, and law library represent tens of thousands of dollars in replacement costs. Commercial property insurance covers damage or loss from fire, theft, vandalism, and certain weather events. One thing to keep in mind for South Carolina firms: standard property policies exclude flood and wind/hail damage in coastal areas. If your office is in Myrtle Beach or anywhere along the coast, you'll likely need a separate wind/hail endorsement and a flood policy through the National Flood Insurance Program or a private carrier.
Don't overlook business interruption coverage, which is often bundled into a property policy. If a storm forces your office to close for three weeks, business interruption pays your ongoing expenses like rent, payroll, and utilities while you're unable to operate.
Business Owners Policy (BOP) vs. Standalone Coverage
A BOP bundles general liability and commercial property into a single package, usually at a lower combined premium than buying each separately. For solo practitioners and small firms with fewer than 10 employees, a BOP often makes the most financial sense. You get streamlined billing, one renewal date, and typically broader coverage than bare-bones standalone policies.
That said, larger firms or those with complex risk profiles may benefit from standalone policies. A firm with multiple office locations, high-value equipment, or significant client foot traffic might need higher limits on one type of coverage without overpaying for another. An independent agency like CSP Insurance Services can compare BOP packages from multiple carriers against standalone options to find the right fit for your firm's size and exposure.
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 |
Industry-Specific Protections: Malpractice and Cyber Risks
General liability won't cover a missed statute of limitations or a hacked client database. Law firms face profession-specific risks that require specialized policies. These three coverages address the threats unique to legal practice.
Professional Liability and Legal Malpractice Insurance
This is the policy most people think of first when they hear "law firm insurance," and for good reason. Professional liability, commonly called legal malpractice insurance, covers claims alleging errors, omissions, or negligence in your legal services. A missed filing deadline, a conflict of interest, or bad legal advice can all trigger a claim.
South Carolina does not require attorneys to carry malpractice insurance, but the SC Bar requires disclosure of whether you're covered. Going without is a gamble few firms can afford: defense costs alone for a malpractice suit routinely exceed $50,000. Premiums vary widely based on practice area, with litigation and real estate attorneys typically paying more than estate planning or immigration lawyers.
Cyber Liability for Sensitive Client Data
Law firms are prime targets for cyberattacks because they store sensitive financial records, personal information, and privileged communications. A 2026 industry trends report noted that cybersecurity remains a top concern for firms of all sizes, with ransomware and phishing attacks increasing year over year. Cyber liability insurance covers breach notification costs, credit monitoring for affected clients, forensic investigation, and legal defense if clients sue over exposed data.
Even a small firm handling family law or personal injury cases holds Social Security numbers, financial records, and medical information. A single breach can trigger South Carolina's data breach notification law, which requires notifying affected individuals and the SC Consumer Affairs office. Without cyber coverage, those costs come directly out of your pocket.
Employment Practices Liability Insurance (EPLI)
If you have employees, you have exposure to employment-related claims: wrongful termination, discrimination, harassment, and retaliation. EPLI covers defense costs and settlements for these claims. The average legal defense cost for an employment claim ranges from $75,000 to $125,000 before any settlement is reached, which can devastate a small firm's finances.
The EPL insurance market has seen significant pricing shifts in recent years, driven by increased claim frequency and larger jury verdicts. Even firms with just two or three employees should seriously consider EPLI. A disgruntled former paralegal or associate filing a wrongful termination claim doesn't care whether your firm has 5 employees or 500.
Managing Workforce and Transportation Risks
Two areas that smaller law firms often overlook are workers compensation and commercial auto coverage. Both can create serious financial and legal exposure if left unaddressed.
Workers Compensation Requirements for Law Firms
South Carolina requires workers compensation insurance for any business with four or more employees. That threshold is lower than many attorneys realize: count your associates, paralegals, legal assistants, office managers, and receptionists. If you hit four, you need coverage. Workers comp pays medical expenses and lost wages when an employee is injured on the job, even for something as routine as a back injury from moving file boxes.
The penalties for non-compliance in South Carolina include fines up to $100 per day of non-coverage and potential criminal misdemeanor charges. Beyond legal requirements, workers comp protects your firm from employee lawsuits over workplace injuries, since accepting benefits generally bars the employee from suing you directly.
Commercial Auto and Hired/Non-Owned Coverage
If your firm owns vehicles, commercial auto insurance is straightforward: you need it. But many firms miss the hired and non-owned auto coverage gap. When an associate drives their personal car to the courthouse, to a client meeting, or to pick up documents, and causes an accident while on firm business, your firm can be held liable. Personal auto policies typically exclude business use.
South Carolina's minimum auto liability limits are 25/50/25 ($25,000 per person, $50,000 per accident for bodily injury, $25,000 for property damage). For a law firm, those minimums are dangerously low. A serious accident involving an associate driving to a deposition could generate claims well into six figures. Hired and non-owned auto coverage fills this gap without requiring you to insure each employee's personal vehicle.
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 |
| Feature | Standard Homeowners (HO-3) | Separate Wind & Hail Policy |
|---|---|---|
| Wind coverage | Included (may be excluded in coastal zones) | Dedicated wind/hail only |
| Deductible | Flat dollar (e.g., $1,000) | Percentage-based (1-5% of dwelling value) |
| Flood coverage | Not included | Not included |
| Carrier | Private insurer | State wind pool or specialty carrier |
| Availability | Limited in high-risk coastal areas | Designed for high-risk coastal areas |
| Premiums | Lower (if wind is excluded) | Can be substantial |
Comparison: General Liability vs. Professional Liability
These two policies are frequently confused, but they cover entirely different types of risk. Understanding the distinction is critical for ensuring your firm doesn't have a blind spot.
Comparison Table: Key Differences in Coverage and Claims
| General Liability | Professional Liability | |
|---|---|---|
| What it covers | Third-party bodily injury, property damage, advertising injury | Errors, omissions, or negligence in professional services |
| Typical claim example | Client slips on wet floor in your office | Missed statute of limitations costs client their case |
| Who files claims | Visitors, clients, vendors (physical harm) | Clients (financial harm from your legal work) |
| Required in SC? | Not by law, but often by landlords | Not by law, but SC Bar requires disclosure |
| Average annual cost | $500 - $1,500 for small firms | $2,000 - $10,000+ depending on practice area |
| Defense costs included? | Yes | Yes |
The key takeaway here: general liability won't help you if a client sues over bad legal advice, and professional liability won't cover a visitor's broken ankle. You need both.
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.
Common Questions About Legal Practice Insurance
Do I need malpractice insurance if I am a solo practitioner?
South Carolina doesn't require it, but going without means one unhappy client could wipe out your personal savings. The SC Bar requires you to disclose your coverage status, and many clients specifically look for insured attorneys. For solo practitioners, malpractice premiums often start around $2,000 to $4,000 annually: a fraction of what a single claim would cost.
Is workers comp required if I only have one paralegal?
Not in South Carolina, where the threshold is four employees. But if you have three staff members and hire a part-time receptionist, you've crossed the line. Track your headcount carefully, and remember that part-time employees count toward the threshold.
Does general liability cover errors in my legal advice?
No. General liability covers physical injuries and property damage on your premises. Any claim related to the quality of your legal services falls under professional liability or legal malpractice insurance. These are separate policies with separate premiums.
How much does a standard law firm insurance package cost?
A small firm with 1-5 attorneys can expect to pay between $5,000 and $15,000 annually for a package that includes general liability, professional liability, cyber coverage, and workers comp. Practice area matters significantly: a personal injury litigation firm will pay more than an estate planning practice. The D&O and professional liability market has seen evolving pricing that affects what firms pay across multiple coverage lines.
Can I use my personal car insurance for firm-related errands?
Technically your personal policy might cover you, but most personal auto policies have business use exclusions or limitations. If your insurer determines you were on firm business during an accident, they could deny the claim. Hired and non-owned auto coverage through your firm's commercial policy is the safer approach.
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 |
Building a Robust Risk Management Strategy
Insurance is one piece of a larger risk management picture. Smart law firms pair their coverage with practical risk reduction: documented intake procedures, conflict-of-interest checks, calendaring systems with redundant deadline reminders, and regular cybersecurity training for all staff. These steps don't replace insurance, but they reduce claim frequency and can lower your premiums over time.
Review your coverage annually, especially after adding staff, opening a new office, or expanding into a new practice area. A firm that added employment law to its services last year, for example, likely needs higher malpractice limits and should consider whether its EPLI coverage is adequate. The employment practices liability landscape continues to shift, and your coverage should keep pace.
Working with an independent agency gives you access to multiple carriers and objective policy comparisons. CSP Insurance Services has been helping South Carolina businesses find the right coverage since 1939, and their team can walk you through options without pushing a single carrier's products.
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 Firm
The right insurance package for your law firm depends on your size, practice areas, location, and risk tolerance. A solo estate planning attorney in Rock Hill has very different needs than a 15-attorney litigation firm in Columbia. What they share is the need for thoughtful, layered coverage that addresses both common business risks and the unique exposures of legal practice.
Don't wait for a claim to find out you're underinsured. If you're unsure whether your current coverage has gaps, or if you're starting a new practice and need to build a policy package from scratch, reach out to a team that understands both insurance and the specific risks South Carolina law firms face. You can request a quote from CSP Insurance Services to get a personalized coverage review with no obligation. A 20-minute conversation now could save your firm from a six-figure problem later.
About the author
Lawson Walker, CIC
I'm proud to be part of an agency that's served Florence since 1939. CSP Insurance Services started as Cormell-Streett & Patterson, built by people who believed insurance should be personal — and more than eight decades later, that conviction still drives everything we do. Commitment, Service, Protection isn't just what CSP stands for; it's how I approach every client relationship.
As an independent, Trusted Choice agency, we aren't tied to any single carrier. That means I work for you — shopping multiple companies to match you with coverage that actually fits your family, your business, and your budget. No call centers, no chatbots. Just a local expert who takes the time to understand what matters to you and stands by you when it counts.
Whether you're protecting your home, your car, or a business you've spent years building, I'd be glad to help you find the right coverage.
We compare several carriers to find a policy that fits you, not one company's products.
◆
80+ years local experience
1939
Serving SC
Most Requested
Core business coverage.
The policies most South Carolina businesses start with.
Commercial Property
Protect the building, equipment, and inventory your business runs on, so a covered fire, theft, or storm doesn’t become a closed door.
Workers Compensation
Required for most South Carolina employers with staff. It covers medical bills and lost wages when an employee is hurt on the job.
Commercial Auto
Cars, trucks, and fleets used for work need more than a personal policy. This handles liability, damage, and your drivers.
General Liability
Accidents happen on the job and on your property. General liability covers third-party injury and property damage claims against your business.
Inland Marine
Tools, equipment, and goods on the move aren’t covered by standard property policies. Inland marine protects them wherever they travel.
Business Owners (BOP)
A business owners policy bundles property and liability coverage into one package, often at a better price for small businesses.
We compare several carriers to find a policy that fits you, not one company's products.
◆
80+ years local experience
1939
Serving SC
Insurance Sales
J. Roger Jordan, CIC
[CONFIRM bio]
Personal Insurance
Coverage for your home, vehicles, and family.
Protect what matters most with personal policies shopped across our carriers.
Home
Your house is likely your largest investment. Home insurance helps rebuild after covered damage and protects you from liability.
Auto
South Carolina drivers need real protection. Auto coverage handles liability, collision, medical costs, and uninsured drivers.
Umbrella
When a serious claim climbs past your home or auto limits, umbrella coverage adds an extra layer of liability protection.
Boat
Time on the water should be worry-free. Boat coverage protects your vessel, your passengers, and your liability on the lake or coast.
Motorcycle
Riders need coverage built for the road. Motorcycle insurance protects your bike, your gear, and you after an accident.
Condo
Your association covers the building, but not what’s inside. Condo insurance protects your belongings, improvements, and liability.
We compare several carriers to find a policy that fits you, not one company's products.
◆
80+ years local experience
1939
Serving SC
Insurance Sales
J. Roger Jordan, CIC
[CONFIRM bio]
Boat
Your association covers the building, but not what’s inside. Condo insurance protects your belongings, improvements, and liability.
Time on the water should be worry-free. Boat coverage protects your vessel, your passengers, and your liability on the lake or coast.
Condo
Motorcycle
Riders need coverage built for the road. Motorcycle insurance protects your bike, your gear, and you after an accident.
Industries We Serve
Specialized coverage for your industry.
Every industry carries its own risk. We help South Carolina businesses protect what they've built.
Restaurants
Kitchens, customers, and staff create daily exposure. We protect your property, equipment, liquor liability, and employees.
Manufacturers
From equipment breakdown to product liability, manufacturers face risk on the floor and beyond. We help cover property, machinery, and goods.
Healthcare Providers
Practices and clinics carry patient, property, and professional risk. We help cover liability, equipment, and the people who run your practice.
We compare several carriers to find a policy that fits you, not one company's products.
◆
80+ years local experience
1939
Serving SC
Commercial Property
Protect the building, equipment, and inventory your business runs on, so a covered fire, theft, or storm doesn’t become a closed door.
Commercial Auto
Cars, trucks, and fleets used for work need more than a personal policy. This handles liability, damage, and your drivers.
How It Works
Getting covered is simple.
Four steps, one real person from start to finish.
We compare carriers
We shop options across our carriers to find strong protection at a fair price.
We compare several carriers to find a policy that fits you, not one company's products.
Multi-carrier choice
Claims advocacy
When a claim happens, we stand in your corner and help move it forward with your carrier.
Local SC roots
We live and work in Florence and understand the risks your community faces because we face them too.
Client Reviews
Why clients choose CSP.
Independent advice, real people, and decades of local roots.
We compare several carriers to find a policy that fits you, not one company's products.
◆
80+ years local experience
1939
Serving SC
Insurance Sales
J. Roger Jordan, CIC
[CONFIRM bio]
Boat
Your association covers the building, but not what’s inside. Condo insurance protects your belongings, improvements, and liability.
Time on the water should be worry-free. Boat coverage protects your vessel, your passengers, and your liability on the lake or coast.
Condo
Motorcycle
Riders need coverage built for the road. Motorcycle insurance protects your bike, your gear, and you after an accident.
FAQs
Questions, answered.
Straight answers about working with an independent agency.
What does an independent insurance agency do?
An independent agency represents several carriers instead of one. We compare coverage and pricing across companies, then recommend the policy that fits you best.
Do you cover both personal and business insurance?
Yes. CSP writes personal lines like home and auto, and commercial lines for businesses across South Carolina.
How long has CSP been in business?
CSP traces its roots to 1939, with more than 80 years serving South Carolina families and businesses.
Will I work with a real person?
Always. No call centers and no chatbots — you work with a local team member who knows your account.
Which areas do you serve?
We’re based in Florence and serve clients statewide, including Myrtle Beach, Rock Hill, and Columbia.
How do I get a quote?
Request a quote online, call us, or stop by the office. A real person will review your needs and follow up.
How It Works
Insurance tips & updates.
Plain-language guidance to help you make confident decisions.
We compare several carriers to find a policy that fits you, not one company's products.
◆
80+ years local experience
1939
Serving SC
Insurance Sales
J. Roger Jordan, CIC
[CONFIRM bio]
Boat
Your association covers the building, but not what’s inside. Condo insurance protects your belongings, improvements, and liability.
Time on the water should be worry-free. Boat coverage protects your vessel, your passengers, and your liability on the lake or coast.
Condo
Motorcycle
Riders need coverage built for the road. Motorcycle insurance protects your bike, your gear, and you after an accident.
Get a Quote
Let's find your coverage.
Tell us a little about what you need to protect. A real person from our Florence team will review it and follow up.
2420 Hoffmeyer Road, Suite D
Florence, SC 29501
Mon–Fri 8:30am – 5:00pm