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
Owning rental property in South Carolina can be a reliable wealth-building strategy, but a single lawsuit, storm, or workplace injury can wipe out years of returns overnight. A tenant slips on a cracked walkway in Columbia. A contractor falls through a rotted subfloor during a flip in Myrtle Beach. A hurricane tears through your coastal duplex and leaves it uninhabitable for six months. Each of these scenarios demands a different type of insurance coverage, and most standard homeowner policies won't touch them.
That's the reality for residential real estate investors in South Carolina: you need a layered insurance strategy that accounts for liability, employees, vehicles, weather, and the specific risks tied to your investment approach. Whether you hold a single rental in Rock Hill or manage a portfolio of fix-and-flips along the Grand Strand, the coverage gaps can be expensive if you don't address them early. This guide breaks down the core policies every SC investor should understand, from general liability and workers comp to coastal windstorm and builder's risk, so you can protect your properties and your bottom line.
Core Liability Protection for South Carolina Landlords
Liability exposure is the first thing most investors underestimate. You might assume your personal umbrella policy or a landlord endorsement on your homeowner's insurance covers everything. It usually doesn't. Rental properties create a distinct risk profile that requires dedicated commercial coverage.
South Carolina courts can hold property owners responsible for injuries that occur on their premises, even when the injured party shares some fault. The state follows a modified comparative negligence standard, meaning you could still owe significant damages if a jury finds you even partially responsible. For investors with multiple properties, that exposure compounds fast.
General Liability for Rental Property Owners
A general liability (GL) policy is the foundation of any investor's insurance stack. It covers third-party bodily injury and property damage claims that arise from your rental operations. If a delivery driver trips on a broken step at your Florence fourplex, your GL policy responds to the medical bills and legal costs.
Most carriers write GL policies for landlords starting at $1 million per occurrence and $2 million aggregate, though investors with larger portfolios often carry higher limits. Pairing a GL policy with a commercial umbrella can push your total coverage into the $3 to $5 million range, which is worth considering if you own properties in higher-traffic areas. Umbrella policies for SC property owners typically provide an extra layer of protection above your primary GL and auto limits, and they're surprisingly affordable relative to the coverage they add.
Managing Premise Liability and Resident Injuries
Premise liability is a subset of your GL coverage, but it deserves its own attention because it's where most landlord claims originate. Slip-and-fall injuries, dog bites from other tenants' pets, swimming pool accidents, and inadequate lighting in parking lots are all common claim triggers.
The best defense is documentation. Keep records of maintenance requests, inspection schedules, and repair completions. If a tenant reports a loose railing and you fix it within 48 hours with a dated work order, that paper trail can be the difference between a dismissed claim and a six-figure judgment. An independent agency like CSP Insurance Services can help you identify premise-specific risks across your portfolio and match you with carriers that understand South Carolina's rental market.
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 |
Mandatory and Recommended Employee Coverages
Once your investment operation grows beyond a one-person show, your insurance needs shift significantly. Hiring maintenance workers, property managers, or even part-time groundskeepers triggers new legal obligations and coverage requirements.
South Carolina Workers Comp Thresholds for Small Portfolios
South Carolina requires workers compensation insurance for businesses with four or more employees. That threshold catches more investors than you'd expect, especially those who hire seasonal help for landscaping, snow removal, or turnover cleaning. The state's employer FAQ page clarifies that corporate officers count toward the employee total unless they formally opt out.
The maximum weekly compensation rate for injuries occurring on or after January 1, 2026, reflects annual adjustments tied to the state's average weekly wage. Understanding these thresholds matters because penalties for non-compliance are steep: South Carolina can impose fines, stop-work orders, and even criminal charges for willful failure to carry workers comp. Even if you're below the four-employee threshold, carrying a voluntary policy protects you from personal liability if a worker gets hurt on your property.
Commercial Auto for Property Management Tasks
If you or your employees drive between properties for inspections, maintenance calls, or tenant showings, your personal auto insurance likely won't cover accidents that happen during business use. A commercial auto policy fills that gap.
South Carolina's minimum auto liability limits are 25/50/25: $25,000 per person for bodily injury, $50,000 per accident, and $25,000 for property damage. Those minimums are dangerously low for a business vehicle. A serious accident with injuries can easily exceed $100,000 in medical costs alone. Most insurance advisors recommend carrying at least 100/300/100 on commercial vehicles, plus an umbrella policy that extends over the auto coverage. If your maintenance crew drives a company truck loaded with tools, you also want inland marine coverage for the equipment inside.
| 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 Policies for Real Estate Portfolios
Standard commercial packages leave gaps that are specific to real estate investing. Two of the most critical specialty policies for SC investors address renovation risk and income interruption.
Builder's Risk for Fix-and-Flip Projects
A builder's risk policy covers a property during renovation or construction, protecting against fire, theft, vandalism, and certain weather events. Your standard landlord policy won't cover a property that's vacant and under active construction, and vacant properties in South Carolina carry their own unique risks that standard homeowner policies typically exclude.
Builder's risk coverage is typically written for a specific project term (six months, twelve months) and covers the structure plus materials on-site. If you're flipping a property in Beaufort County or anywhere along the coast, you'll want to confirm that the policy includes wind coverage, since many standard builder's risk forms exclude it in coastal zones. Carriers
expanding builder's risk options in coastal South Carolina communities have made this coverage more accessible in 2026, but availability still varies by carrier and location.
Rent Loss Insurance and Coastal Windstorm Coverage
Rent loss insurance (sometimes called "loss of rents" or "fair rental value" coverage) reimburses you for lost rental income when a covered event makes your property uninhabitable. If a kitchen fire displaces your tenants for three months, this coverage pays the rent you would have collected during the repair period.
For coastal investors, windstorm coverage is non-negotiable. Many standard property policies exclude wind and hail damage in coastal counties, requiring a separate windstorm policy through the SC Wind and Hail Underwriting Association or a private carrier. The
2026 property market outlook shows continued tightening in coastal property insurance, with some carriers pulling out of high-exposure zones entirely. If you own rentals in Myrtle Beach, Charleston, or Hilton Head, budget for windstorm premiums that may run two to three times higher than inland rates.
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 Needs: Basic vs. Comprehensive Protection
Not every investor needs every policy. A single-property landlord in Rock Hill has very different exposure than someone running a ten-property portfolio with a maintenance crew and active flip projects. Here's how the coverage stacks up:
| Coverage Type | Basic (1-2 Rentals) | Comprehensive (3+ Properties or Flips) |
|---|---|---|
| General Liability | $1M/$2M recommended | $1M/$2M minimum, umbrella to $5M |
| Workers Comp | Voluntary if under 4 employees | Required at 4+ employees |
| Commercial Auto | Needed if using vehicle for business | Required for all business vehicles |
| Builder's Risk | Not needed for buy-and-hold | Essential for any renovation project |
| Rent Loss | Optional but smart | Strongly recommended |
| Windstorm | Depends on location | Required in coastal counties |
| Umbrella/Excess | $1M minimum | $2M-$5M depending on portfolio size |
The jump from basic to comprehensive coverage isn't as expensive as most investors assume. Bundling policies through an independent agency often yields better rates than buying each policy separately from different carriers, because the agency can shop across multiple markets and negotiate package discounts.
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 Investor Insurance
Does my homeowner's insurance cover my rental property? No. Once you rent a property to tenants, most homeowner policies exclude coverage. You need a landlord or dwelling fire policy, plus a separate GL policy for liability protection.
How many employees trigger the workers comp requirement in South Carolina? Four or more employees, including corporate officers who haven't formally elected exemption. The state's workers compensation requirements apply regardless of whether employees are full-time or part-time.
Do I need separate insurance for each rental property? Not necessarily. Many carriers offer portfolio policies that cover multiple properties under a single policy, which simplifies administration and often reduces per-property costs.
Is flood insurance required for rental properties in South Carolina? Only if the property is in a FEMA-designated flood zone and has a federally backed mortgage. That said, flood damage is excluded from virtually all standard property policies, so carrying flood insurance is wise even outside mandatory zones, especially in low-lying areas near the coast or rivers.
What happens if I start a renovation without builder's risk coverage? Your existing property policy likely won't cover damage during construction, and you'll be personally liable for any injuries to workers or visitors at the job site. A gap in coverage during a flip project is one of the most common and costly mistakes SC investors make.
Can I use my personal vehicle for property management without commercial auto?
You can, but your personal auto insurer may deny a claim if the accident occurred during business activity. The risk isn't worth the savings.
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 Investment Strategy
The insurance needs of a South Carolina real estate investor aren't static. They shift as your portfolio grows, as you move between buy-and-hold and fix-and-flip strategies, and as coastal market conditions change. What worked when you owned one duplex in Florence won't protect you when you're managing eight units across three counties with a small crew.
The smartest approach is to build your coverage in layers: start with a solid GL policy and property insurance, add workers comp and commercial auto as your operation scales, and bring in specialty policies like builder's risk and windstorm coverage as your strategy demands. An independent agency with deep South Carolina experience, like CSP Insurance Services, can compare options across multiple carriers and build a package that fits your specific situation rather than selling you a one-size-fits-all plan.
If you're unsure whether your current coverage matches your actual exposure, it's worth getting a professional review. You can
request a quote from CSP's team to get an objective look at your portfolio's risk profile and identify any gaps before they turn into claims. A 30-minute conversation now can save you tens of thousands 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.
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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