CSP Insurance Services was founded in 1939, when Clifford Cormell joined Earnest Streett to sell insurance in Florence. More than 80 years later, we still answer the phone ourselves. No call centers, no chatbots — just a local team that knows your name and your policy.
We compare several carriers to find a policy that fits you, not one company's products.
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80+ years local experience
Hospital bills, treatment, and prescriptions for a work-related injury or illness.
Medical expenses
Claims history
A property manager in Columbia gets a call: a tenant slipped on a wet staircase, broke their wrist, and their attorney is already drafting a demand letter. The property manager's general liability policy kicks in, covers the legal defense, and the whole thing resolves in a few months. But the manager down the street, running a similar portfolio without proper coverage? That same slip-and-fall costs them $47,000 out of pocket and nearly shuts the business down.
This scenario plays out across South Carolina more often than most people realize. Between coastal storm exposure, rising tenant litigation, and evolving state regulations, property managers face a distinct mix of risks that generic business policies simply don't address. Whether you're managing a handful of rental homes in Florence or overseeing a 200-unit complex in Myrtle Beach, building the right insurance stack is not optional: it's the difference between surviving a bad year and closing your doors.
This guide breaks down the essential insurance coverages South Carolina property managers need in 2026, from GL and workers comp to cyber liability and commercial auto, with specific attention to state laws and real-world risks that hit this industry hardest.
Essential Insurance Requirements for South Carolina Property Managers
Property management is a business built on liability. You're responsible for physical spaces other people occupy, employees who maintain those spaces, and financial decisions that affect property owners. Each of those responsibilities creates a separate category of risk, and each one demands its own coverage.
South Carolina's insurance market reflects this reality. The state's property and casualty insurance sector has grown steadily, driven partly by increased coastal development and the corresponding need for specialized commercial coverage. For property managers, that means more options but also more complexity in choosing the right policies.
The three non-negotiable starting points are general liability, workers compensation, and professional liability. These form the foundation that everything else builds on.
General Liability: Protecting Against Third-Party Claims
General liability insurance covers bodily injury, property damage, and personal injury claims made by third parties: tenants, vendors, visitors, or anyone else who isn't your employee. That slip-and-fall scenario from earlier? GL handles it.
Here's what catches many South Carolina property managers off guard: pricing scales dramatically with company size. Businesses with 20 to 49 employees pay roughly 1,737% more for GL coverage than the state average for smaller operations. That's not a typo. The jump happens because more employees mean more exposure, more managed properties, and higher revenue thresholds that insurers use to calculate premiums.
Most property managers should carry at least $1 million per occurrence and $2 million aggregate. If you manage commercial properties or large multifamily complexes, an umbrella policy on top of that is worth serious consideration.
South Carolina Workers Compensation Laws for Small Businesses
South Carolina requires workers compensation insurance for any business with four or more employees. That threshold is lower than many states, and it trips up property managers who think their small maintenance crew doesn't count. It does.
The South Carolina Workers' Compensation Commission approved the 2026 maximum weekly compensation rate late last year, and those numbers directly affect what you'll pay in premiums. Classification codes matter too: a property manager sitting at a desk gets a very different rate than a maintenance tech climbing ladders and handling electrical work. Make sure your employees are classified correctly, because misclassification can trigger audits and penalties.
One thing to keep in mind: even if you have fewer than four employees, carrying workers comp voluntarily can protect you from personal injury lawsuits filed by injured workers. The cost is often lower than the risk of going without it.
Professional Liability and Errors & Omissions Coverage
This is the coverage most property managers underestimate. Professional liability, often called errors and omissions (E&O), protects you when a client claims your professional advice or management decisions caused them financial harm.
Think about it this way: you recommend a contractor who does shoddy work on a $400,000 property. The owner sues you for negligence in your recommendation. Or you miss a lease renewal deadline and a property owner loses a tenant. These aren't physical injuries: they're financial losses caused by professional mistakes, and GL won't cover them.
E&O policies for property managers typically range from $500 to $3,000 annually depending on revenue, number of properties managed, and claims history. Given that a single professional liability claim can easily exceed $50,000 in legal fees alone, this is one of the best returns on investment in your entire insurance portfolio.
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 |
Managing Vehicle and Property Risks on the Job
Property managers spend a surprising amount of time on the road. Driving between properties, meeting contractors, showing units to prospective tenants: vehicle use is constant. And the equipment you rely on, from laptops to maintenance tools, represents real financial exposure if it's damaged or stolen.
Commercial Auto vs. Hired and Non-Owned Auto Insurance
If your company owns vehicles, you need commercial auto insurance. South Carolina's minimum auto liability limits are 25/50/25 (that's $25,000 per person for bodily injury, $50,000 per accident, and $25,000 for property damage), but those minimums are dangerously low for a business. A serious accident involving a company truck could blow through those limits in minutes.
South Carolina commercial auto premiums vary significantly based on vehicle type, driver records, and usage patterns. Box trucks and work vans cost more to insure than sedans, and any driver with a DUI or multiple violations will spike your rates.
The catch is that many property managers don't own vehicles outright: they have employees driving personal cars for work errands. That's where hired and non-owned auto (HNOA) insurance comes in. HNOA covers liability when employees use their own vehicles or when you rent a car for business purposes. Without it, you're exposed every time a maintenance tech drives their personal truck to pick up supplies.
Business Personal Property for Office Equipment and Tools
Your office computers, tenant management software servers, maintenance equipment, and specialized tools all have value. Business personal property (BPP) coverage protects these assets against theft, fire, vandalism, and certain weather events.
For South Carolina property managers, coastal wind and hail exposure adds a wrinkle. If your office is in Myrtle Beach or anywhere along the coast, standard BPP policies may exclude wind-driven rain damage or require separate windstorm deductibles. Read your policy carefully, and ask your agent specifically about named storm deductibles if you're operating in a coastal county.
A typical property management office might carry $50,000 to $150,000 in BPP coverage. Don't forget to include items stored at managed properties, not just your main office.
| 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: Tenant Disputes and Cyber Threats
Beyond the standard coverage types, property managers face two categories of risk that have grown significantly in recent years: employment-related claims and data breaches.
Tenant Discrimination and Employment Practices Liability (EPLI)
Fair housing complaints are a real and growing concern. A tenant or applicant who believes they were denied housing based on race, disability, familial status, or another protected class can file a complaint with HUD or the South Carolina Human Affairs Commission. These cases are expensive to defend even when you've done nothing wrong.
EPLI covers claims of discrimination, wrongful termination, harassment, and retaliation brought by tenants or employees. For property managers, the tenant-facing exposure is particularly acute because every application denial, every lease non-renewal, and every eviction is a potential trigger for a discrimination claim.
This is an area where agencies like CSP Insurance Services can be especially helpful. Because they work with multiple carriers as an independent agency, they can compare EPLI options across insurers to find policies that specifically address property management exposures rather than offering a generic business template.
Cyber Insurance for Protecting Sensitive Tenant Data
You store Social Security numbers, bank account details, credit reports, and employment records for every tenant. That data is a target. A single breach affecting 200 tenants could trigger South Carolina's data breach notification requirements and expose you to lawsuits, regulatory fines, and reputational damage.
Cyber liability insurance covers breach notification costs, credit monitoring for affected individuals, forensic investigation, legal defense, and regulatory penalties. Premiums for small property management firms typically run $750 to $2,500 per year: a fraction of what a breach actually costs.
If you're using cloud-based property management software (and most firms are by 2026), make sure your cyber policy covers third-party vendor breaches, not just attacks on your own systems.
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 |
Comparing Coverage: General Liability vs. Professional Liability
These two policies get confused constantly, but they protect against fundamentally different things. Here's a quick comparison:
| Feature | General Liability (GL) | Professional Liability (E&O) |
|---|---|---|
| What it covers | Bodily injury, property damage, personal injury | Financial loss from professional errors or negligence |
| Example claim | Tenant trips on broken step at managed property | Property manager fails to secure proper permits, causing owner financial loss |
| Trigger | Physical harm or property damage | Alleged mistake, oversight, or bad advice |
| Required by law? | Often required by property owners/contracts | Not legally required, but strongly recommended |
| Typical annual cost | $500 - $3,000+ | $500 - $3,000 |
| Who files claims | Tenants, visitors, vendors | Property owners, clients |
You need both. GL won't cover a claim that you gave bad professional advice, and E&O won't pay for a tenant's medical bills after a fall. Trying to save money by carrying only one is a false economy that leaves a massive gap in your protection.
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 South Carolina Property Management Insurance
Do I need insurance if I only manage a few rental properties? Yes. Even managing one property exposes you to tenant injury claims, fair housing complaints, and professional liability. The number of units doesn't eliminate risk: it just changes the scale.
Does the property owner's insurance cover me as the manager? Usually not. The owner's policy protects the property and the owner. As the manager, you need your own GL and E&O policies. Some owners will add you as an additional insured on their policy, but that's supplemental, not a replacement.
How much does property management insurance cost in South Carolina? A basic package with GL and E&O typically runs $1,500 to $5,000 annually for small firms. Costs increase with the number of units managed, employees on payroll, and whether you need commercial auto or cyber coverage. The NCCI's 2026 state advisory data for South Carolina provides additional context on workers comp rate trends.
Is workers comp required if I use independent contractors for maintenance? Not for true independent contractors, but South Carolina applies strict tests to determine contractor status. If the state reclassifies your "contractors" as employees, you'll owe back premiums and potentially face penalties.
What's the biggest coverage gap you see with property managers?
Cyber liability, hands down. Most small firms don't carry it, yet they store exactly the kind of sensitive data that triggers expensive breach responses.
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 Firm
Getting property manager insurance right in South Carolina means more than checking boxes on a form. It means understanding how GL, workers comp, professional liability, commercial auto, EPLI, and cyber coverage work together to protect a business that faces physical, financial, and digital risks simultaneously.
The smartest approach is working with an independent agency that can compare policies across multiple carriers. CSP Insurance Services has been doing exactly that since 1939, matching South Carolina businesses with coverage tailored to their specific operations: no call centers, no chatbots, just direct conversations with people who understand the state's insurance market.
If you're managing properties anywhere in South Carolina and haven't reviewed your coverage recently, now is the time. Coastal exposure rules change, workers comp rates shift annually, and cyber threats evolve faster than most policies keep up with.
Request a quote from CSP's team to get a clear picture of where your current coverage stands and where the gaps might be hiding.
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