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
Running a restaurant in South Carolina means juggling health inspections, staffing headaches, supply costs, and a dozen other daily fires. Insurance probably isn't the part of the business that excites you, but it's the thing that keeps a grease fire, a slip-and-fall lawsuit, or a hurricane from shutting your doors permanently. The Palmetto State has its own set of rules, risks, and coverage requirements that don't always match what you'll find in a generic national guide, and those differences matter when a claim lands on your desk.
Whether you're opening a seafood shack in Murrells Inlet, running a farm-to-table spot in Columbia, or managing a catering operation out of Rock Hill, the insurance coverage you need goes well beyond a basic general liability policy. South Carolina restaurant coverage spans GL, workers' comp, commercial auto, liquor liability, and several industry-specific policies that protect against risks unique to food service. Getting the right mix wrong can cost you tens of thousands, or the entire business. Here's what you actually need to know.
Essential Insurance Requirements for South Carolina Restaurants
Every restaurant in South Carolina faces a baseline set of risks: customer injuries, employee accidents, property damage, and vehicle incidents if you deliver or cater. The state has specific legal requirements for some of these, and strong practical reasons for the rest. Skipping any of them is a gamble most restaurant owners can't afford to lose.
General Liability: Protecting Against Slips and Falls
General liability insurance is the foundation of any restaurant's coverage. It pays for third-party bodily injury claims (a customer slipping on a wet floor), property damage (a server knocking a guest's laptop off a table), and advertising injury claims. Most landlords and lenders in South Carolina require a minimum of $1 million per occurrence before they'll sign a lease or approve a loan.
The restaurant industry sees more slip-and-fall claims than almost any other business type. Kitchens are wet, dining rooms get crowded, and parking lots in places like Florence and Myrtle Beach can be uneven. A single claim without coverage can easily run $20,000 to $50,000 in medical bills and legal fees. GL policies for small restaurants typically cost between $500 and $2,000 annually, depending on your revenue, location, and claims history.
SC Workers' Compensation Laws for Food Service
South Carolina requires workers' compensation insurance for any business with four or more employees. That threshold catches most restaurants, even small ones. The state's 2025 average weekly wage figures directly affect benefit calculations, so your policy premiums shift year to year based on statewide data.
Workers' comp covers medical expenses and lost wages when an employee gets hurt on the job. Burns, cuts, repetitive strain injuries, and back problems from lifting are all common in restaurant kitchens. South Carolina's classification rates for restaurant workers tend to be moderate compared to neighboring states, but premiums climb fast if you have prior claims. Keeping a clean safety record and documenting training can meaningfully reduce your costs.
Commercial Auto Insurance for Delivery and Catering
If your restaurant uses any vehicles for delivery, catering, or supply runs, 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. Those minimums are low for a business. Most agents recommend at least $100,000/$300,000/$100,000 for commercial vehicles.
One mistake restaurant owners make constantly: assuming their personal auto policy covers food deliveries. It doesn't. If an employee gets into an accident while delivering orders in their own car, your business could be liable, and their personal insurer will likely deny the claim. Hired and non-owned auto coverage fills that gap and usually costs just a few hundred dollars per year.
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 |
Industry-Specific Policies for the Palmetto State
Beyond the basics, South Carolina restaurants face risks that require specialized coverage. These policies aren't legally mandated in every case, but the financial exposure without them can be devastating.
Liquor Liability: Navigating SC Dram Shop Laws
This is where South Carolina gets complicated. The state's dram shop laws hold restaurants and bars liable if they serve alcohol to a visibly intoxicated person who then causes injury or death. Liquor liability insurance has been a major cost burden for SC restaurants, with some establishments citing insurance costs as a factor in closing.
The good news: Act 42 allows South Carolina restaurants to reduce mandatory liquor liability coverage from $1 million to as low as $300,000 if they meet certain responsible service requirements. The hospitality industry pushed hard for this change, and it's expected to provide real relief for smaller establishments. That said, carrying only the minimum is risky if you're a high-volume bar. An independent agency like CSP Insurance Services can compare carriers to find the right balance between premium savings and adequate protection.
Food Contamination and Spoilage Coverage
A power outage during a summer storm in the Lowcountry can wipe out thousands of dollars in perishable inventory overnight. Food contamination and spoilage coverage reimburses you for lost inventory due to equipment breakdown, power failure, or contamination events. It also covers the cost of a voluntary recall if you discover a food safety issue.
Standard property insurance often excludes spoilage. You need a specific endorsement or standalone policy. For restaurants carrying $10,000 or more in perishable inventory at any given time, this coverage is essential, not optional.
Employment Practices Liability (EPLI)
Restaurants have high turnover, young staff, and fast-paced environments where workplace disputes happen frequently. EPLI covers claims of wrongful termination, discrimination, harassment, and wage disputes. These lawsuits are expensive to defend even when you win.
South Carolina is an at-will employment state, but that doesn't protect you from discrimination or harassment claims. A single EPLI claim can cost $75,000 or more in legal defense alone. Small restaurants often skip this coverage, thinking they're too small to get sued. They're not.
| 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.
Comparing Coverage: General Liability vs. Professional Liability
Restaurant owners sometimes confuse general liability with professional liability, or assume one covers everything. They protect against different types of claims, and understanding the distinction helps you avoid gaps.
General liability covers physical incidents: someone slips, something breaks, a sign falls. Professional liability (sometimes called errors and omissions) covers claims arising from your professional services or advice. For restaurants, this might apply if you provide catering consultation, menu planning for events, or nutritional guidance that leads to an allergic reaction claim.
Most small restaurants need GL but not professional liability. Catering companies and food consultants are the exception.
Comparison Chart: Key Differences and Protection Limits
| Feature | General Liability | Professional Liability |
|---|---|---|
| Covers bodily injury | Yes | No |
| Covers property damage | Yes | No |
| Covers service errors | No | Yes |
| Covers advertising injury | Yes | No |
| Typical limit | $1M per occurrence | $1M per claim |
| Required by landlords | Usually | Rarely |
| Best for | All restaurants | Caterers, consultants |
| Annual cost range | $500 - $2,000+ | $400 - $1,500+ |
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 |
Factors Affecting Restaurant Insurance Costs in SC
Your premium isn't pulled from thin air. Several measurable factors determine what you'll pay, and understanding them gives you some control over the number.
Location Risks: Coastal vs. Inland Considerations
A restaurant in Myrtle Beach or Charleston faces hurricane exposure, flood risk, and wind/hail damage that an inland location in Rock Hill or Florence simply doesn't. Coastal properties often need separate wind and hail policies because standard commercial property insurance excludes wind damage in designated coastal zones. Flood insurance through the NFIP or private carriers is another add-on that coastal restaurants can't skip.
Inland locations aren't risk-free. Tornadoes, severe thunderstorms, and flash flooding hit the Midlands and Upstate regularly. But premiums for property coverage are typically 20-40% lower inland than on the coast.
Annual Revenue and Payroll Impacts
Insurance carriers use your annual revenue and total payroll as primary rating factors. A restaurant doing $2 million in annual sales pays more for GL than one doing $500,000 because higher revenue generally means more customer interactions and more exposure. Workers' comp premiums are calculated directly from payroll: more employees and higher wages mean higher premiums.
One thing to keep in mind: if your actual payroll or revenue comes in lower than your estimate at policy inception, you'll get a refund at audit. If it comes in higher, you'll owe additional premium. Accurate projections save you from surprise bills.
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 SC Restaurant Insurance
Do I need insurance if I only have one employee in SC?
South Carolina's workers' comp requirement kicks in at four employees, so with one employee you're not legally required to carry it. That said, GL and property insurance are still critical. A single lawsuit from a customer injury could close a one-person operation permanently.
Is liquor liability mandatory for a beer and wine license?
Yes. Any South Carolina establishment that serves alcohol needs liquor liability coverage. The legislative changes around liquor liability have adjusted minimum requirements, but the coverage itself remains mandatory regardless of license type.
How much does a basic policy cost for a small cafe?
A small cafe with under $500,000 in revenue can expect to pay roughly $3,000 to $6,000 annually for a basic package including GL, property, and workers' comp. Costs vary significantly based on location, claims history, and whether you serve alcohol. CSP Insurance Services works with multiple carriers to find competitive rates for exactly this kind of operation.
Does my personal car insurance cover food delivery?
No. Personal auto policies exclude commercial use in nearly every case. If you or your employees use personal vehicles for deliveries, you need hired and non-owned auto coverage on your commercial policy. This is one of the most common and most dangerous coverage gaps in the restaurant industry.
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 Business
Getting restaurant insurance right in South Carolina means more than checking boxes on a state requirements list. It means understanding how your specific location, revenue, staffing, and service model create a unique risk profile, and then building coverage around that reality. A beachfront raw bar in Pawleys Island and a pizza shop in Columbia face very different exposures, and their policies should reflect that.
The smartest move is working with an independent agency that can shop multiple carriers on your behalf. CSP Insurance Services has been doing exactly that since 1939, matching South Carolina businesses with coverage that actually fits rather than selling a one-size-fits-all package. If you're opening a new restaurant or suspect your current coverage has gaps,
request a quote and get a real person on the phone who knows the SC market. Your future self, the one who doesn't have to pay a six-figure claim out of pocket, will thank you.
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