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

Feature Short-Term Disability Long-Term Disability
Waiting Period 7-14 days 90-180 days
Benefit Duration Up to 26 weeks 2 years to age 65+
Income Replacement 60%-70% 50%-60%
Common Claims Surgery recovery, pregnancy, fractures Cancer, heart disease, chronic conditions
Typical Cost $0.10-$0.50 per $100 of payroll $0.20-$0.60 per $100 of payroll
Best For Bridging short absences Protecting against career-ending events

A single CNC lathe can cost $150,000 or more. A worker's hand injury on a milling machine can generate six figures in medical bills. And one defective part shipped to a client can trigger a product liability claim that threatens everything you've built. Machine shop insurance isn't a luxury or a line item to minimize: it's the structural support that keeps your operation standing when something goes wrong.


Whether you're running a two-person job shop in Florence or a mid-sized precision manufacturing facility near Columbia, the risks are real and specific. Sparks fly, heavy materials move, tight tolerances leave little room for error, and the financial exposure from a single bad day can dwarf your annual revenue. The right combination of general liability, workers comp, commercial auto, and industry-specific policies creates a safety net tailored to the way machine shops actually operate. This guide breaks down each coverage type, explains where standard policies fall short, and helps you figure out what your shop genuinely needs.

Essential Insurance for Machine Shop Risks

Machine shops face a concentrated set of hazards that most general business policies weren't designed to handle. Between high-speed equipment, metal debris, chemical coolants, and heavy raw materials, the exposure profile looks nothing like a retail store or an office. Building a complete coverage plan for your shop means starting with three foundational policies and layering specialized protections on top.

General Liability for Third-Party Incidents

General liability (GL) is your first line of defense against claims from people who aren't your employees. If a client visits your shop floor and slips on cutting oil, or if a finished part causes property damage at a customer's facility, GL responds to those third-party bodily injury and property damage claims.


Most machine shops in South Carolina carry at least $1 million per occurrence and $2 million aggregate. That said, shops doing contract work for larger manufacturers or government entities often need higher limits to satisfy vendor requirements. One thing worth watching: GL policies typically exclude professional errors and product defects after delivery, which means you'll need separate coverage for those exposures.

Workers Compensation for Shop Floor Safety

South Carolina requires workers comp for any business with four or more employees, but even shops below that threshold should carry it. Machine shop injuries tend to be severe: lacerations from metal shavings, crush injuries from presses, hearing damage from prolonged noise exposure, and burns from welding or heat treatment.


Workers comp covers medical expenses, lost wages, and rehabilitation costs. It also protects you from employee lawsuits related to workplace injuries. The premium is calculated based on your payroll and your experience modification rate (your shop's claims history compared to industry averages). Shops with strong safety programs and few claims can see their mod rate drop below 1.0, which directly reduces premiums.

Commercial Auto for Delivery and Part Transport

If your shop uses any vehicles to pick up raw materials, deliver finished parts, or transport tools to client sites, personal auto policies won't cover accidents that happen during business use. Commercial auto insurance fills that gap, covering liability, collision, and comprehensive damage for vehicles used in your operations.


South Carolina's minimum auto liability limits are 25/50/25 (that's $25,000 per person, $50,000 per accident for bodily injury, and $25,000 for property damage). For a machine shop hauling heavy steel stock or expensive finished components, those minimums are dangerously low. Most shops should carry at least $500,000 in combined single-limit coverage, and shops with box trucks or flatbeds may need even more.

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.

Fine Arts and High-Value Specialized Goods

Galleries, auction houses, and even corporate offices with art collections need specialized coverage. Standard property policies cap fine art at absurdly low limits, sometimes $2,500 per item. A fine arts floater provides agreed-value coverage, meaning you and the insurer agree on the item's worth upfront. If it's damaged or stolen, that's what you get paid.

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

Computer Equipment and Data Storage

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.

Protecting Your Specialized Equipment and Inventory

Your machines are the backbone of your revenue. A standard commercial property policy might cover the building itself but leave major gaps around the equipment inside it, the tools your machinists carry off-site, and the financial losses that pile up while a critical machine sits broken.

Commercial Property and CNC Machine Coverage

Commercial property insurance covers your building, equipment, inventory, and raw materials against perils like fire, theft, vandalism, and certain weather events. For machine shops, the key is making sure your policy reflects replacement cost rather than actual cash value. A 10-year-old CNC mill might have depreciated to $40,000 on paper, but replacing it with a comparable machine could cost $120,000 or more.


South Carolina shops also need to think about coastal wind and hail exposure, especially in the Myrtle Beach corridor. Standard property policies often exclude or sublimit wind damage in coastal counties, so you may need a separate wind/hail policy or endorsement. Global property rates declined by 12% in Q2 2026, which means this is actually a favorable time to shop for better property coverage terms.

Inland Marine for Tools and Goods in Transit

Inland marine insurance is one of the most overlooked coverages in manufacturing. It protects tools, equipment, and finished goods while they're being transported or temporarily stored off-site. If your machinists bring precision measuring instruments to a client's facility, or if you ship high-value parts via your own vehicles, inland marine fills the gap that property insurance leaves once items leave your premises.


This is especially relevant for shops doing installation work or on-site machining. A set of carbide tooling worth $15,000 sitting in a van overnight isn't covered by your shop's property policy or by commercial auto's cargo coverage (which is typically limited to $5,000 or less).

Equipment Breakdown and Business Interruption

Equipment breakdown insurance (sometimes called boiler and machinery coverage) pays for repairs when a machine fails due to mechanical or electrical breakdown, not just external damage. A burned-out spindle motor on your primary CNC turning center could cost $8,000 to $20,000 to repair and take weeks to source parts for.


Business interruption coverage pairs with this by replacing lost income during the downtime. If that turning center generates $3,000 per day in revenue and it's down for three weeks, you're looking at $63,000 in lost production. Business interruption insurance covers that gap, plus ongoing fixed expenses like rent and payroll, while you get back up and running.

Factors That Influence Your Premium Costs

Several variables drive what you'll pay:


  • Specialty: Neurosurgeons pay far more than internists
  • Claims history: Prior claims increase your rates, sometimes dramatically
  • Location: Urban areas with higher jury awards tend to cost more
  • Policy type: Occurrence policies cost more than claims-made
  • Coverage limits: Higher limits mean higher premiums
  • Years in practice: New physicians sometimes pay less initially on claims-made policies (the "step" or "mature" rate system)


The trend line isn't encouraging. Malpractice claims data for 2026 shows continued growth in both claim frequency and severity, meaning premiums are likely to keep rising. Shopping your coverage through an independent agency that compares multiple carriers can save you thousands annually without sacrificing protection.

For most commercial projects, extended coverage with appropriate endorsements is the smarter choice. The premium difference is often modest compared to the potential gap in coverage.

Comparison: Standard Liability vs. Professional Error Coverage

Many shop owners assume their general liability policy covers everything. It doesn't. Here's how GL stacks up against professional liability (E&O) coverage:

General Liability Errors & Omissions (E&O)
What it covers Third-party bodily injury, property damage, advertising injury Claims arising from professional mistakes, design errors, faulty specifications
Trigger Physical harm or damage caused by your operations Financial loss caused by your professional services or advice
Example claim Visitor injured by flying debris in your shop Client loses $200K because your part was machined to wrong tolerances
Typical limit $1M per occurrence / $2M aggregate $1M per claim / $1M aggregate
Excluded by the other? Yes: GL excludes professional errors Yes: E&O excludes bodily injury

The gap between these two policies is where many machine shops get caught. A part machined to incorrect specifications that causes a production line shutdown at your client's plant is a professional liability claim, not a GL claim. If you only carry GL, you're paying for that out of pocket.

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

This is a policy feature that doesn't get enough attention. A consent-to-settle clause gives you the right to approve or reject any settlement offer your insurer wants to make. Without it, your carrier can settle a claim you believe is meritless, and that settlement goes on your record.


Some policies include a "hammer clause" instead: if you refuse a settlement the insurer recommends and the case goes to trial with a worse outcome, you're responsible for the difference. Understanding this clause before you buy a policy is critical. At CSP Insurance Services, their team walks clients through these policy details line by line, which matters because the fine print in malpractice policies can have career-altering consequences.

The Role of Consent-to-Settle Clauses

Industry-Specific Policies for Manufacturers

Standard business insurance packages (often called BOPs) work fine for low-risk businesses. Machine shops need more.

Product Liability and Completed Operations

Once a part leaves your shop, your general liability's "products-completed operations" coverage kicks in, but the limits and terms matter enormously. Product recalls in particular have shifted: recall frequency has dropped but the scale of individual recalls has surged, with affected units reaching a four-year high. A single batch of defective aerospace fasteners or automotive brackets could trigger a massive recall.


Standalone product liability policies or higher completed-operations limits give you protection when a part you manufactured causes injury or property damage downstream. Shops producing safety-critical components for defense, aerospace, or medical industries should carry at least $2 million in product liability coverage.

Errors and Omissions (E&O) for Design Flaws

If your shop does any design work, engineering consultation, or CAD/CAM programming for clients, E&O insurance is essential. This covers claims where your professional judgment or technical expertise leads to a client's financial loss.


A common scenario: your shop designs a custom fixture based on a client's rough specifications, the fixture fails during production, and the client claims your design was flawed. Without E&O coverage, you're defending that claim and paying any settlement from your own funds. Product recall insurance trends in 2026 show that insurers are paying closer attention to design-related exposures, which means getting E&O in place now is smarter than waiting until underwriting tightens further.

Cyber Insurance for Digital Blueprints and Data

Machine shops increasingly store proprietary client blueprints, ITAR-controlled technical data, and CNC program files digitally. A ransomware attack or data breach doesn't just disrupt your operations: it can expose you to liability if controlled technical data leaks.


Shops working with Department of Defense contracts face particular scrutiny. The CMMC (Cybersecurity Maturity Model Certification) program sets specific cybersecurity standards for defense contractors, and while Phase 2 implementation was recently suspended pending review, the underlying data protection requirements haven't gone away. Cyber insurance covers breach response costs, notification expenses, regulatory fines, and business interruption from cyber events. Premiums for small manufacturers typically run $1,500 to $5,000 annually, which is a fraction of what a single breach could cost.

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.

FAQ: What counts as a disability? Does it cover mental health? Are benefits taxable?

What qualifies as a disability under most group plans? Most policies define disability as the inability to perform the essential duties of your own occupation (for the first 1-2 years) and later shift to an "any occupation" standard. The exact definition varies by carrier and policy, so reading the contract language matters.


Does disability insurance cover mental health conditions? Yes, most modern group disability policies cover mental health conditions like depression, anxiety, and PTSD. However, many policies limit mental health claims to 24 months of benefits, even if the overall policy pays to age 65. Ask about this limitation before you buy.


Are disability benefits taxable? It depends on who pays the premium. If the employer pays, benefits are taxable to the employee. If the employee pays with after-tax dollars, benefits are received tax-free.


Can employees receive both workers' comp and disability benefits? Generally, no. Most disability policies include an offset provision that reduces benefits by the amount of workers' compensation received. The two programs are designed to complement each other, not stack.


Is there a waiting period before new employees can enroll? Most group plans allow employers to set an eligibility waiting period, commonly 30, 60, or 90 days. South Carolina doesn't regulate this waiting period for disability coverage, so it's up to the employer.


What happens if an employee is partially disabled? Many LTD policies include a partial or residual disability benefit that pays a reduced amount if the employee can work part-time but not full-time. This feature encourages return-to-work efforts while still providing financial support.

Factors That Influence Your Monthly Premiums

Several factors drive your builders risk premium. Project type matters: a wood-frame apartment complex costs more to insure than a concrete tilt-up warehouse. Location is significant, especially in South Carolina where coastal proximity affects wind/hail rates dramatically. A project in Florence will price very differently from one on the Grand Strand.


Other factors include project duration, the contractor's loss history, protective safeguards on-site (fencing, security cameras, fire extinguishers), and the deductible you choose. Premiums typically run between 1% and 4% of the total project value, though market conditions in early 2026 have pushed rates toward the lower end for well-managed projects.

Usually, yes. A single claim can increase your premiums by 10% to 30% or more, depending on the severity and outcome. Some carriers offer claims-free discounts that you'd lose. That said, a claim that's dismissed or results in no payout has less impact than one with a large settlement. Shopping your renewal through an independent agent can help offset rate increases by comparing offers from competing carriers.

FAQ: Will my rates go up if I have one claim?

Apartment complex insurance isn't a single policy: it's a coordinated set of coverages that work together to protect your buildings, your income, your employees, and your financial future. The right package includes general liability, commercial property, workers comp, commercial auto, and specialized add-ons like loss of rental income and equipment breakdown. Skipping any one of these creates a gap that a single bad claim can exploit.


The most effective approach is working with an independent agency that can compare options across multiple carriers. CSP Insurance Services has been helping South Carolina property owners build customized coverage programs since 1939, with direct access to real people who understand multifamily risk. If you're unsure whether your current coverage matches your actual exposure, or if you're purchasing a new complex and need to build a policy from scratch, request a quote to get a personalized analysis of your insurance needs. A 20-minute conversation now can save you six figures when a claim hits.

Does general liability cover fuel spills?

Usually not. Most GL policies contain pollution exclusions that specifically exclude fuel spills and environmental contamination. You need a separate pollution liability policy to cover cleanup costs, third-party damages, and regulatory fines from fuel releases.

Frequently Asked Questions About Machine Shop Insurance

How much does insurance for a machine shop typically cost? Annual premiums vary widely based on revenue, employee count, equipment value, and claims history, but most small to mid-sized shops in South Carolina pay between $8,000 and $25,000 per year for a comprehensive package.


Do I need separate coverage for each CNC machine? Not individually, but your commercial property policy should list the total insured value of all equipment. Make sure the schedule reflects current replacement costs, not purchase prices from years ago.


Is product liability included in my general liability policy? Most GL policies include products-completed operations coverage, but the limits may be shared with your overall aggregate. Shops producing critical components should consider a standalone product liability policy with dedicated limits.


What if an employee uses their personal vehicle for shop errands? Your commercial auto policy needs a hired and non-owned auto endorsement to cover liability when employees drive their own cars for business purposes. Without it, a gap exists between their personal policy and your business exposure.


Does workers comp cover repetitive stress injuries? Yes. Carpal tunnel syndrome, hearing loss, and other cumulative injuries are covered under South Carolina workers comp, though claims for these conditions can be more complex to document and process.


Should I carry umbrella coverage? For most machine shops, yes. A commercial umbrella policy adds an extra layer of liability protection above your GL, auto, and employers liability limits. A $1 million umbrella typically costs $500 to $1,500 per year: cheap protection against catastrophic claims.

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

This is a policy feature that doesn't get enough attention. A consent-to-settle clause gives you the right to approve or reject any settlement offer your insurer wants to make. Without it, your carrier can settle a claim you believe is meritless, and that settlement goes on your record.


Some policies include a "hammer clause" instead: if you refuse a settlement the insurer recommends and the case goes to trial with a worse outcome, you're responsible for the difference. Understanding this clause before you buy a policy is critical. At CSP Insurance Services, their team walks clients through these policy details line by line, which matters because the fine print in malpractice policies can have career-altering consequences.

The Role of Consent-to-Settle Clauses

Making the Right Choice for Your Shop

Getting machine shop insurance right means more than checking boxes on a list of policy types. It means understanding where your specific operation is most exposed and building coverage around those real risks. A precision aerospace shop has different needs than a general fabrication shop, and a five-person operation faces different challenges than a 50-person facility.


The insurance market in 2026 is showing mixed signals: property rates are softening while casualty rates continue climbing. That makes this a good time to review your coverage with an independent agent who can compare options across multiple carriers rather than pushing a single company's products. CSP Insurance Services has been helping South Carolina businesses build custom coverage packages since 1939, and their team can walk you through the specific exposures your shop faces without the runaround of call centers or automated systems.


If your current policy hasn't been reviewed in the last year, or if you're not sure whether your equipment values and liability limits still match your operation, reach out and request a quote. A 20-minute conversation now can save you from a six-figure surprise 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

Meet Richard

Most Requested

Core business coverage.

The policies most South Carolina businesses start with.

Commercial Property

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

Workers Compensation

Required for most South Carolina employers with staff. It covers medical bills and lost wages when an employee is hurt on the job.

Commercial Auto

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

General Liability

Accidents happen on the job and on your property. General liability covers third-party injury and property damage claims against your business.

Inland Marine

Tools, equipment, and goods on the move aren’t covered by standard property policies. Inland marine protects them wherever they travel.

Business Owners (BOP)

A business owners policy bundles property and liability coverage into one package, often at a better price for small businesses.

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

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80+ years local experience

1939

Serving SC

Insurance Sales

J. Roger Jordan, CIC

Meet Richard

[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.

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80+ years local experience

1939

Serving SC

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

Get a Quote

Motorcycle

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

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.

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.

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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.

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

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.

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80+ years local experience

1939

Serving SC

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

Get a Quote

Motorcycle

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

Get a Quote

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.

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80+ years local experience

1939

Serving SC

Insurance Sales

J. Roger Jordan, CIC

Meet Richard

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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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Motorcycle

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

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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