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
If you own commercial property in South Carolina and lease it to tenants, you're carrying more risk than you probably realize. A tenant's slip-and-fall, a roof collapse during hurricane season, or a fire in a warehouse unit can all land squarely on your shoulders, even if you think your tenant's insurance has you covered. Lessors risk insurance exists specifically for this gap: it protects property owners who lease space to others, covering the building itself and the liability exposure that comes with being a landlord. But a basic policy rarely tells the whole story. Commercial landlords pay an average of $1,972 per year for lessors risk only (LRO) insurance, though buildings with high-risk tenants or coastal exposures can push that number much higher. The real question isn't whether you need coverage. It's whether you have enough of it, and whether your policy bundle accounts for the specific risks your property type creates. This guide walks through the core protections of an LRO policy, then expands into the additional coverages: general liability, workers comp, commercial auto, and industry-specific endorsements that turn a basic policy into real protection for your portfolio.
Understanding Lessors Risk Only (LRO) Insurance
LRO insurance is a specialized policy designed for commercial property owners who lease their buildings to tenants but don't operate businesses on the premises themselves. Think of it as the landlord's counterpart to a tenant's business owner's policy. Where a tenant insures their own inventory, equipment, and operations, LRO covers the structure, common areas, and the owner's liability for incidents that occur on the property.
The distinction matters because standard commercial property insurance assumes you're operating a business in the building. If you're purely a lessor, you're paying for coverage you don't need while potentially missing protections you do. An LRO policy strips out the unnecessary pieces and focuses on what landlords actually face: building damage, loss of rental income, and third-party injury claims.
Who Needs LRO Coverage?
Anyone who owns commercial property and rents it out. That includes owners of strip malls in Myrtle Beach, warehouse parks along I-95, office buildings in Columbia, and mixed-use properties in Rock Hill. If you collect rent from tenants, you need this coverage, period. Even if your lease agreement requires tenants to carry their own insurance, you're still exposed. Tenant policies protect the tenant's interests, not yours. A tenant's general liability policy won't rebuild your roof after a storm or defend you in a lawsuit over a crumbling parking lot.
Core Protections: Property Damage and Bodily Injury
At its foundation, an LRO policy covers two things. First, physical damage to the building from covered perils: fire, wind, vandalism, and similar events. Second, bodily injury and property damage liability if someone is hurt on your premises and you're found responsible. Most policies also include loss of rental income coverage, which pays you the rent you'd otherwise lose while the building is being repaired after a covered event. One often-overlooked detail: vacancy clauses can void your coverage if a building sits empty for 60 days or more. In South Carolina's coastal markets, where seasonal tenants are common, this is a real concern worth discussing with your agent.
Your CSP agent
Lawson Walker, CIC
Insurance Sales
On this page
CSP Insurance Services is a fully licensed independent insurance agency serving individuals, families, and businesses across South Carolina.
From our home in Florence, we proudly serve clients in Florence, Myrtle Beach, Rock Hill, Columbia, and communities throughout South Carolina. As an independent Trusted Choice agency, our team works with a wide range of top-rated carriers to provide personal and commercial coverage — home, auto, business, life, and more — tailored to the real needs of the people and businesses we protect.
Boat and Watercraft Coverage for Weekend Adventures
Your homeowners policy might cover a small kayak or canoe, but anything with a motor typically needs its own policy. Boat insurance covers physical damage to the vessel, liability for injuries or property damage you cause on the water, and sometimes towing and salvage costs.
Lake-specific risks differ from coastal ones. A boat kept at Myrtle Beach faces saltwater corrosion, hurricane exposure, and higher theft rates than one stored at a private dock on Lake Wateree. Your policy should reflect where you keep and operate the boat. An independent agency like CSP Insurance Services can compare quotes across multiple marine carriers to find coverage that actually matches your boating habits rather than forcing you into a one-size-fits-all plan.
| Feature | Admitted (Standard) Carriers | Non-Admitted (E&S) Carriers |
|---|---|---|
| State regulation | Fully regulated; rates filed with state | Exempt from rate filing; flexible pricing |
| Guaranty fund protection | Yes: state fund covers claims if carrier fails | No: no guaranty fund backstop |
| Policy forms | Standardized (ISO forms common) | Manuscript or custom forms |
| Risk appetite | Prefers low-to-moderate risk | Accepts high-risk and unusual exposures |
| Premium cost | Generally lower | Typically 20-75% higher |
| Surplus lines tax | Not applicable | Buyer pays state surplus lines tax (varies 2-5%) |
| Speed of placement | Standard timelines | Can be faster or slower depending on complexity |
| Feature | Basic Liability Only | Full Coverage |
|---|---|---|
| Bodily injury liability | State minimum (25/50) | Higher limits (100/300+) |
| Property damage liability | $25,000 | $100,000+ |
| Collision (your vehicle) | Not included | Included |
| Comprehensive (theft, weather) | Not included | Included |
| Uninsured motorist | Optional | Typically included |
| Rental car reimbursement | Not included | Often included |
| Typical annual cost (SC) | $600-$900 | $1,400-$2,200 |
The price difference is real, but so is the coverage gap. If you're financing or leasing a vehicle, your lender will require full coverage anyway.
| Feature | HMO | PPO | HDHP with HSA |
|---|---|---|---|
| Network Flexibility | Must use in-network providers; referrals needed | In-network and out-of-network options | Broad network; works like PPO |
| Monthly Premiums | Lowest | Highest | Moderate |
| Out-of-Pocket Costs | Low copays | Moderate copays/coinsurance | High deductible before coverage kicks in |
| Best For | Employees who want low costs and don't mind restrictions | Employees who want provider choice | Younger, healthier employees; tax-savvy savers |
| HSA Eligible | No | No | Yes |
Building a Comprehensive Commercial Policy Bundle
A standalone LRO policy is a starting point, not a finish line. Most commercial landlords need several interlocking coverages to avoid gaps that could wipe out their investment. The trick is building a bundle that matches your actual risk profile without paying for coverage that doesn't apply to your situation.
General Liability vs. Commercial Umbrella
General liability is the backbone of your protection against third-party claims. If a visitor trips on a broken sidewalk outside your retail center, general liability responds. But standard GL policies have limits, typically $1 million per occurrence and $2 million aggregate. For landlords with multiple properties or high-traffic locations, those limits can evaporate fast in a serious lawsuit.
That's where a commercial umbrella policy comes in. It sits on top of your GL and kicks in when underlying limits are exhausted. A $5 million umbrella policy might cost you $1,500 to $3,000 annually, which is a fraction of what a single uninsured claim could cost. If you own properties in high-traffic areas like Florence or Myrtle Beach, an umbrella policy isn't optional: it's essential.
Workers Comp and Commercial Auto for Property Managers
If you employ maintenance staff, groundskeepers, or property managers, South Carolina law requires you to carry workers compensation insurance once you have four or more employees. Even with fewer employees, carrying workers comp voluntarily protects you from personal injury lawsuits filed by injured workers.
Commercial auto coverage is another piece that landlords often overlook. If anyone on your team drives a vehicle for property-related tasks: inspecting sites, meeting contractors, picking up supplies: your personal auto policy won't cover accidents that happen during business use. South Carolina's minimum auto liability limits are 25/50/25, but most agents recommend carrying significantly higher limits for commercial vehicles.
Comparison: Standard LRO vs. Extended Building Coverage
| Feature | Standard LRO | Extended Building Coverage |
|---|---|---|
| Building structure | Covered | Covered |
| Loss of rental income | Usually included | Included with higher limits |
| Equipment breakdown | Not included | Typically included |
| Ordinance/law coverage | Not included | Included (code upgrades) |
| Flood and wind | Separate policy needed | May include wind; flood still separate |
| Tenant improvements | Limited or excluded | Can be endorsed |
| Vacancy protection | 60-day clause applies | Extended vacancy options |
For South Carolina landlords, the wind and flood distinction is critical. Standard policies exclude both, and coastal properties from Myrtle Beach to Hilton Head need separate wind/hail and flood policies. An independent agency like CSP Insurance Services can compare options across multiple carriers to find the right combination without overpaying.
| Feature | Basic Coverage | Extended Coverage |
|---|---|---|
| Liability | State minimums (25/50/25 in SC) | $500K-$1M+ limits |
| Collision | Often excluded or high deductible | Included with lower deductible |
| Comprehensive | May be excluded | Included (theft, weather, vandalism) |
| HNOA | Not included | Typically included |
| Uninsured Motorist | State minimum only | Higher limits available |
| Roadside/Towing | Not included | Available as add-on |
| Rental Reimbursement | Not included | Available as add-on |
For a restaurant owner in Florence with one delivery vehicle, basic coverage might seem sufficient. But if that driver causes a serious injury, the state minimum liability won't come close to covering the medical bills and legal costs. Extended coverage costs more upfront but prevents the kind of catastrophic out-of-pocket expense that closes businesses.
Industry-Specific Risks and Special Endorsements
Not all commercial tenants create equal risk. The type of business operating in your building directly affects your exposure, your premiums, and the endorsements you need. A comprehensive approach to lessors risk coverage should account for tenant mix, not just square footage.
Retail and Multi-Tenant Shopping Centers
Retail properties face high foot traffic, which means more slip-and-fall exposure. Multi-tenant centers add complexity because common areas: parking lots, walkways, shared restrooms: are your responsibility, not the tenants'. You'll want to ensure your policy includes premises liability for all common areas and that each tenant's lease requires them to name you as an additional insured on their own policies. Seasonal retailers and pop-up tenants create additional gaps because their coverage may lapse between lease periods.
Industrial Warehouses and Manufacturing Leases
Warehouses and manufacturing facilities carry a different risk profile entirely. Tenants may store hazardous materials, operate heavy machinery, or generate environmental exposure. Your LRO policy likely excludes pollution liability, so you'll need a separate environmental endorsement if tenants handle chemicals or produce waste. Fire risk is also elevated in these properties, and insurers often require sprinkler systems and fire suppression equipment before they'll write a policy. The
real estate industry's evolving risk profile means underwriters are scrutinizing industrial leases more carefully than they did five years ago.
Professional Office Spaces and Habitational Risks
Office buildings tend to be lower-risk from a liability standpoint, but they come with their own wrinkles. Elevator liability, HVAC system failures, and data center cooling equipment all require specific coverage considerations. If your building includes any residential units: even a single apartment above a commercial space: you're dealing with habitational risk, which changes your underwriting classification entirely. Habitational properties require different policy forms and often cost more to insure because of the 24/7 occupancy exposure.
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 |
Comparison of Coverage Limits and Requirements
Understanding how different coverages stack up helps you see where your portfolio might be exposed. Here's a quick reference for common South Carolina requirements and recommendations:
| Coverage Type | SC Minimum/Requirement | Recommended for Landlords |
|---|---|---|
| General Liability | No state minimum | $1M per occurrence / $2M aggregate |
| Workers Comp | Required at 4+ employees | Carry voluntarily with any employees |
| Commercial Auto | 25/50/25 liability | $500K combined single limit |
| Property (LRO) | Based on building value | Replacement cost, not actual cash value |
| Umbrella | Not required | $2M-$5M depending on portfolio size |
| Flood | Required in FEMA zones | Recommended statewide in SC |
One mistake I see frequently: landlords insuring their buildings at actual cash value instead of replacement cost. After depreciation, an actual cash value payout might cover 60% of what it costs to rebuild. That gap comes straight out of your pocket.
Specialty Lines: Flood, Earthquake, and Valuable Items
Flood insurance is a separate policy, typically written through FEMA's National Flood Insurance Program or a private carrier. If your home sits in a designated flood zone anywhere along the SC coast or near inland rivers, your mortgage lender will require it. But even homes outside mapped flood zones can flood: roughly 25% of flood claims come from properties in low-to-moderate risk areas.
Earthquake coverage is less common in South Carolina, but the state sits near the Charleston fault zone, which produced a magnitude 7.3 quake in 1886. A rider or standalone earthquake policy is worth considering if you're in the Lowcountry.
Scheduled personal property endorsements cover high-value items like jewelry, art, firearms, or musical instruments that exceed standard policy sub-limits. Most homeowners policies cap jewelry coverage at $1,500-$2,500 per item. If your engagement ring is worth $8,000, you need a scheduled endorsement or inland marine floater to cover the difference.
ERISA Requirements for Life Insurance Plans
If you offer employer-paid group life insurance, your plan almost certainly falls under the Employee Retirement Income Security Act. ERISA requires you to provide employees with a Summary Plan Description that explains benefits, eligibility, and claims procedures in plain language. You also need to file Form 5500 annually with the Department of Labor if your plan covers 100 or more participants. The ERISA compliance checklist for employers includes maintaining a written plan document, designating a plan fiduciary, and following proper claims and appeals procedures. Skipping any of these steps creates real liability.
South Carolina doesn't have its own mini-ERISA statute, so federal rules govern most employer-sponsored plans. But the SC Department of Insurance does regulate the carriers themselves, so make sure your insurer is licensed to operate in the state. Employers who fail to meet ERISA's fiduciary standards can face personal liability, not just corporate penalties.
Common Questions About Landlord Insurance
Does my tenant's insurance protect me if someone gets hurt in my building? Only if you're named as an additional insured on their policy, and even then, only for claims arising from the tenant's operations. Claims related to building maintenance, structural issues, or common areas fall on your policy.
What happens if my building is vacant between tenants? Most LRO policies include a vacancy clause that reduces or eliminates coverage after 60 days of vacancy. You can often purchase a vacancy permit endorsement to extend protection during turnover periods.
Do I need separate wind and flood policies in South Carolina? Yes, almost always. Standard property policies exclude flood entirely, and many exclude wind/hail in coastal counties. The SC Wind and Hail Underwriting Association provides wind coverage for properties in eligible coastal areas.
Can I bundle all my properties under one policy? Often, yes. A blanket policy covering multiple locations can simplify administration and sometimes reduce total premiums. Your agent can structure this based on your specific portfolio.
Is lessors risk insurance the same as a landlord policy? They're closely related but not identical. LRO is specifically designed for commercial properties leased to tenants. Residential landlord policies cover rental homes and apartments under different forms and rating structures.
How does AI and new technology affect my coverage needs? Emerging technologies are creating new coverage gaps that traditional policies weren't designed to address. If your tenants operate data centers, autonomous equipment, or AI-driven systems, discuss these exposures with your agent.
Boat and Watercraft Coverage for Weekend Adventures
Your homeowners policy might cover a small kayak or canoe, but anything with a motor typically needs its own policy. Boat insurance covers physical damage to the vessel, liability for injuries or property damage you cause on the water, and sometimes towing and salvage costs.
Lake-specific risks differ from coastal ones. A boat kept at Myrtle Beach faces saltwater corrosion, hurricane exposure, and higher theft rates than one stored at a private dock on Lake Wateree. Your policy should reflect where you keep and operate the boat. An independent agency like CSP Insurance Services can compare quotes across multiple marine carriers to find coverage that actually matches your boating habits rather than forcing you into a one-size-fits-all plan.
Boat and Watercraft Coverage for Weekend Adventures
Your homeowners policy might cover a small kayak or canoe, but anything with a motor typically needs its own policy. Boat insurance covers physical damage to the vessel, liability for injuries or property damage you cause on the water, and sometimes towing and salvage costs.
Lake-specific risks differ from coastal ones. A boat kept at Myrtle Beach faces saltwater corrosion, hurricane exposure, and higher theft rates than one stored at a private dock on Lake Wateree. Your policy should reflect where you keep and operate the boat. An independent agency like CSP Insurance Services can compare quotes across multiple marine carriers to find coverage that actually matches your boating habits rather than forcing you into a one-size-fits-all plan.
| Feature | Admitted (Standard) Carriers | Non-Admitted (E&S) Carriers |
|---|---|---|
| State regulation | Fully regulated; rates filed with state | Exempt from rate filing; flexible pricing |
| Guaranty fund protection | Yes: state fund covers claims if carrier fails | No: no guaranty fund backstop |
| Policy forms | Standardized (ISO forms common) | Manuscript or custom forms |
| Risk appetite | Prefers low-to-moderate risk | Accepts high-risk and unusual exposures |
| Premium cost | Generally lower | Typically 20-75% higher |
| Surplus lines tax | Not applicable | Buyer pays state surplus lines tax (varies 2-5%) |
| Speed of placement | Standard timelines | Can be faster or slower depending on complexity |
Does this cover me if a hacker steals my data?
Not exactly. Crime insurance covers financial theft, like funds transferred fraudulently. Data breaches and the costs associated with them (notification, credit monitoring, regulatory fines) fall under cyber liability insurance. Some overlap exists with computer fraud coverage, but a standalone cyber policy is the right tool for data-related incidents. The FBI found that 85% of cybercrime losses in 2025 traced back to human error, which underscores why both crime and cyber policies matter.
Making the Right Choice for Your Portfolio
Getting the right insurance for your commercial rental properties isn't about buying the cheapest policy or checking a box for your lender. It's about understanding the specific risks each property creates and building coverage that actually responds when something goes wrong. Tenant type, building age, location, and your own staffing situation all factor into what you need.
The difference between a landlord who recovers quickly from a loss and one who faces financial ruin often comes down to whether they had the right endorsements and adequate limits before the claim happened. An independent agency with experience across multiple carriers can spot gaps that a single-carrier agent might miss. CSP Insurance Services has been helping South Carolina property owners build customized coverage packages since 1939, with direct access to real people who understand coastal exposures and local market conditions.
If you're unsure whether your current coverage matches your actual risk, it's worth getting a second opinion. You can
request a quote to have your portfolio reviewed by an agent who can compare options across carriers and make sure you're not leaving yourself exposed.
About the author
Lawson Walker, CIC
I'm proud to be part of an agency that's served Florence since 1939. CSP Insurance Services started as Cormell-Streett & Patterson, built by people who believed insurance should be personal — and more than eight decades later, that conviction still drives everything we do. Commitment, Service, Protection isn't just what CSP stands for; it's how I approach every client relationship.
As an independent, Trusted Choice agency, we aren't tied to any single carrier. That means I work for you — shopping multiple companies to match you with coverage that actually fits your family, your business, and your budget. No call centers, no chatbots. Just a local expert who takes the time to understand what matters to you and stands by you when it counts.
Whether you're protecting your home, your car, or a business you've spent years building, I'd be glad to help you find the right coverage.
We compare several carriers to find a policy that fits you, not one company's products.
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80+ years local experience
1939
Serving SC
Most Requested
Core business coverage.
The policies most South Carolina businesses start with.
Commercial Property
Protect the building, equipment, and inventory your business runs on, so a covered fire, theft, or storm doesn’t become a closed door.
Workers Compensation
Required for most South Carolina employers with staff. It covers medical bills and lost wages when an employee is hurt on the job.
Commercial Auto
Cars, trucks, and fleets used for work need more than a personal policy. This handles liability, damage, and your drivers.
General Liability
Accidents happen on the job and on your property. General liability covers third-party injury and property damage claims against your business.
Inland Marine
Tools, equipment, and goods on the move aren’t covered by standard property policies. Inland marine protects them wherever they travel.
Business Owners (BOP)
A business owners policy bundles property and liability coverage into one package, often at a better price for small businesses.
We compare several carriers to find a policy that fits you, not one company's products.
◆
80+ years local experience
1939
Serving SC
Insurance Sales
J. Roger Jordan, CIC
[CONFIRM bio]
Personal Insurance
Coverage for your home, vehicles, and family.
Protect what matters most with personal policies shopped across our carriers.
Home
Your house is likely your largest investment. Home insurance helps rebuild after covered damage and protects you from liability.
Auto
South Carolina drivers need real protection. Auto coverage handles liability, collision, medical costs, and uninsured drivers.
Umbrella
When a serious claim climbs past your home or auto limits, umbrella coverage adds an extra layer of liability protection.
Boat
Time on the water should be worry-free. Boat coverage protects your vessel, your passengers, and your liability on the lake or coast.
Motorcycle
Riders need coverage built for the road. Motorcycle insurance protects your bike, your gear, and you after an accident.
Condo
Your association covers the building, but not what’s inside. Condo insurance protects your belongings, improvements, and liability.
We compare several carriers to find a policy that fits you, not one company's products.
◆
80+ years local experience
1939
Serving SC
Insurance Sales
J. Roger Jordan, CIC
[CONFIRM bio]
Boat
Your association covers the building, but not what’s inside. Condo insurance protects your belongings, improvements, and liability.
Time on the water should be worry-free. Boat coverage protects your vessel, your passengers, and your liability on the lake or coast.
Condo
Motorcycle
Riders need coverage built for the road. Motorcycle insurance protects your bike, your gear, and you after an accident.
Industries We Serve
Specialized coverage for your industry.
Every industry carries its own risk. We help South Carolina businesses protect what they've built.
Restaurants
Kitchens, customers, and staff create daily exposure. We protect your property, equipment, liquor liability, and employees.
Manufacturers
From equipment breakdown to product liability, manufacturers face risk on the floor and beyond. We help cover property, machinery, and goods.
Healthcare Providers
Practices and clinics carry patient, property, and professional risk. We help cover liability, equipment, and the people who run your practice.
We compare several carriers to find a policy that fits you, not one company's products.
◆
80+ years local experience
1939
Serving SC
Commercial Property
Protect the building, equipment, and inventory your business runs on, so a covered fire, theft, or storm doesn’t become a closed door.
Commercial Auto
Cars, trucks, and fleets used for work need more than a personal policy. This handles liability, damage, and your drivers.
How It Works
Getting covered is simple.
Four steps, one real person from start to finish.
We compare carriers
We shop options across our carriers to find strong protection at a fair price.
We compare several carriers to find a policy that fits you, not one company's products.
Multi-carrier choice
Claims advocacy
When a claim happens, we stand in your corner and help move it forward with your carrier.
Local SC roots
We live and work in Florence and understand the risks your community faces because we face them too.
Client Reviews
Why clients choose CSP.
Independent advice, real people, and decades of local roots.
We compare several carriers to find a policy that fits you, not one company's products.
◆
80+ years local experience
1939
Serving SC
Insurance Sales
J. Roger Jordan, CIC
[CONFIRM bio]
Boat
Your association covers the building, but not what’s inside. Condo insurance protects your belongings, improvements, and liability.
Time on the water should be worry-free. Boat coverage protects your vessel, your passengers, and your liability on the lake or coast.
Condo
Motorcycle
Riders need coverage built for the road. Motorcycle insurance protects your bike, your gear, and you after an accident.
FAQs
Questions, answered.
Straight answers about working with an independent agency.
What does an independent insurance agency do?
An independent agency represents several carriers instead of one. We compare coverage and pricing across companies, then recommend the policy that fits you best.
Do you cover both personal and business insurance?
Yes. CSP writes personal lines like home and auto, and commercial lines for businesses across South Carolina.
How long has CSP been in business?
CSP traces its roots to 1939, with more than 80 years serving South Carolina families and businesses.
Will I work with a real person?
Always. No call centers and no chatbots — you work with a local team member who knows your account.
Which areas do you serve?
We’re based in Florence and serve clients statewide, including Myrtle Beach, Rock Hill, and Columbia.
How do I get a quote?
Request a quote online, call us, or stop by the office. A real person will review your needs and follow up.
How It Works
Insurance tips & updates.
Plain-language guidance to help you make confident decisions.
We compare several carriers to find a policy that fits you, not one company's products.
◆
80+ years local experience
1939
Serving SC
Insurance Sales
J. Roger Jordan, CIC
[CONFIRM bio]
Boat
Your association covers the building, but not what’s inside. Condo insurance protects your belongings, improvements, and liability.
Time on the water should be worry-free. Boat coverage protects your vessel, your passengers, and your liability on the lake or coast.
Condo
Motorcycle
Riders need coverage built for the road. Motorcycle insurance protects your bike, your gear, and you after an accident.
Get a Quote
Let's find your coverage.
Tell us a little about what you need to protect. A real person from our Florence team will review it and follow up.
2420 Hoffmeyer Road, Suite D
Florence, SC 29501
Mon–Fri 8:30am – 5:00pm