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 an RV dealership means juggling risks that most business owners never think about: a customer trips over a leveling jack in your lot, a technician drops a Class A motorhome off a lift, or a hailstorm tears through your open lot inventory overnight. With RV wholesale shipments projected to reach 349,300 units in 2026, representing a 3.7% increase, dealerships across South Carolina are stocking more inventory and hiring more staff than they have in years. That growth is great for your bottom line, but it also means your exposure to loss is climbing right alongside your revenue. A complete RV dealer insurance program isn't a single policy: it's a layered set of coverages built around the specific ways your dealership operates, from the showroom floor to the service bay to the test drive route down Highway 501.
Understanding the Unique Risk Profile of RV Dealerships
RV dealerships carry a blend of risks you won't find at a typical car lot. The units themselves are larger, heavier, and far more expensive: a single Class A diesel pusher can retail for $300,000 or more. That means your open lot exposure dwarfs what a sedan dealer faces, and a single total loss from fire or weather can wipe out a quarter's profit.
Then there's the service side. Your technicians work with propane systems, 50-amp electrical hookups, slide-out mechanisms, and roof-mounted solar arrays. Each of those systems creates a distinct liability exposure that standard garage policies don't always address without endorsements.
South Carolina's coastal geography adds another layer. Dealerships in Myrtle Beach or the Lowcountry sit in hurricane and flood zones, while inland lots in Florence or Columbia still face severe thunderstorm and hail risk from April through September. Your insurance program needs to account for all of these realities, not just the generic ones a boilerplate commercial policy covers.
The F&I office introduces professional liability exposure too. Misrepresenting warranty terms, making errors on financing paperwork, or failing to disclose a known defect on a used unit can all trigger lawsuits that a general liability policy won't touch.
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.
Natural Disasters and High-Value Items Requiring Riders
Workers Compensation for Employees and Contractors
South Carolina requires workers compensation insurance for any employer with four or more employees. If your HOA has maintenance staff, groundskeepers, pool attendants, or front desk employees, you likely need a workers comp policy. The policy covers medical expenses and lost wages for employees injured on the job, and it protects the HOA from lawsuits related to workplace injuries.
Here's where it gets tricky: even if your HOA uses independent contractors for landscaping or maintenance, some contractors don't carry their own workers comp. If an uninsured contractor gets hurt on your property, the HOA could be held responsible. Always require certificates of insurance from every contractor, and verify their workers comp coverage is active before work begins. This is one of the most common coverage gaps we see in community associations across the Florence and Columbia areas.
Workers Compensation for Employees and Contractors
Core Liability Protections for Daily Operations
General Liability: Protecting Against Third-Party Claims
General liability (GL) is the foundation of any dealership's insurance program. It covers bodily injury and property damage claims from third parties: the customer who slips on your freshly mopped showroom floor, the visitor whose car gets dinged by a runaway shopping cart in your parking area, or the passerby injured by a sign that blows off your building.
For RV dealers, GL limits of $1 million per occurrence and $2 million aggregate are typical starting points, though many lenders and franchise agreements require higher limits. An umbrella or excess liability policy can extend those limits to $5 million or more without a massive jump in premium.
One thing to keep in mind: standard GL policies exclude auto-related operations. That's why RV dealers also need garage liability coverage, which we'll compare in detail below.
Professional Liability for Financing and Insurance (F&I) Errors
Your F&I department handles loan applications, extended service contracts, GAP insurance, and trade-in valuations. A single clerical error, like miscalculating a payoff amount or failing to disclose a rebuilt title, can result in a lawsuit alleging negligence or misrepresentation.
Professional liability insurance, sometimes called errors and omissions (E&O) coverage, responds to these claims. It pays for legal defense costs and any resulting settlements. Most standalone E&O policies for dealerships start around $1,500 to $3,000 annually, depending on your sales volume and claims history. If your dealership sells extended warranties from third-party providers, confirm that your E&O policy covers those transactions specifically: some don't.
Umbrella insurance is the most underused and underappreciated policy in personal lines. It sits on top of your auto and homeowners liability limits and kicks in when those underlying policies max out. A $1 million umbrella policy typically costs between $150 and $350 per year: a fraction of what it protects.
Think about the scenarios that generate large liability claims: a serious car accident where you're at fault, a swimming pool injury at your home, a defamation claim from a social media post. Any of these can produce a judgment that exceeds your auto or homeowners liability limits. Without an umbrella, the excess comes out of your savings, retirement accounts, and future earnings.
Most carriers require you to carry minimum underlying limits (often 250/500 on auto and $300,000 on homeowners liability) before they'll write an umbrella. That requirement actually works in your favor because it forces a solid foundation. CSP Insurance Services, with over 80 years of experience as an independent agency, can help structure your underlying policies and umbrella together so there are no gaps between layers.
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 |
Protecting Your Assets: Inventory and Property Coverage
Open Lot Coverage for New and Used Inventory
Your lot inventory is likely your single largest asset. Open lot insurance (sometimes called dealer's open lot or lot coverage) protects new and used RVs on your property against fire, theft, vandalism, hail, wind, and flood. Coverage typically applies whether units are parked on your main lot, stored at an off-site location, or displayed at an RV show.
Dealerships often underestimate their inventory values when setting coverage limits. A lot holding 80 units with an average value of $45,000 each represents $3.6 million in exposure. Open lot policies can be written on a blanket basis or scheduled, and your inventory values should be reviewed quarterly to avoid being underinsured during peak stocking seasons.
South Carolina dealers should pay special attention to flood exclusions. Standard open lot policies often exclude flood damage, and if your lot sits in a FEMA-designated flood zone, you'll need a separate flood policy or a specific endorsement. CSP Insurance Services works with multiple carriers to find open lot coverage that accounts for South Carolina's coastal and inland flood risks, which matters when a single tropical storm can submerge an entire inventory.
Garagekeepers Insurance for Customers' RVs in Service
When a customer drops off their motorhome or fifth wheel for service, you become responsible for it. Garagekeepers insurance covers damage to customers' vehicles while they're in your care, custody, or control: whether that's inside your service bay, parked in your holding area, or being moved by one of your technicians.
This coverage responds to perils like fire, theft, collision, and vandalism. Without it, you'd be paying out of pocket for every customer's RV that gets damaged on your watch. Policies can be written on a "direct primary" basis (paying regardless of fault) or a "legal liability" basis (paying only if your dealership is at fault). Direct primary costs more but eliminates disputes with customers about who caused the damage.
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.
Does my landlord's insurance cover my things?
No. The landlord's policy only covers the physical building and their own liability. Your furniture, electronics, clothing, and personal items are entirely your responsibility to insure.
Business owners frequently confuse D&O with other liability policies. The confusion is understandable because there's overlap in language, but the coverage targets are fundamentally different.
Boat and Watercraft Coverage for Weekend Adventures
Managing Mobile Risks and Workforce Safety
Commercial Auto and Test Drive Coverage
Commercial auto insurance for RV dealers is more complex than a standard business auto policy. Your owned vehicles (delivery trucks, service vans, dealer plates) need coverage, but so do the RVs that customers test drive and the units your drivers transport to off-site shows or buyer locations.
Commercial auto rates have been climbing steadily due to rising repair costs and larger claim payouts. For RV dealers, the stakes are higher because the vehicles involved are physically massive: a Class A motorhome can weigh 30,000 pounds and stretch 45 feet. Accidents involving these units tend to produce severe injuries and significant property damage.
South Carolina requires minimum auto liability limits of 25/50/25 ($25,000 per person, $50,000 per accident for bodily injury, $25,000 for property damage), but those minimums are dangerously low for a dealership. Most dealers carry $1 million combined single limit policies, and factors like driver history and vehicle types can significantly affect your premiums. Make sure your policy includes hired and non-owned auto coverage for employees using personal vehicles on dealership business.
Workers Compensation for Sales and Service Staff
South Carolina requires workers compensation insurance for any business with four or more employees. RV dealerships face a split risk profile: your sales staff has relatively low injury exposure, while your service technicians work with heavy equipment, climb on roofs, and handle hazardous materials daily.
Workers comp claims in the automotive service industry commonly involve back injuries from lifting, lacerations from tools, chemical burns, and falls from heights. The average cost of workers compensation claims has risen significantly in recent years, driven by medical inflation and longer recovery times. Your experience modification rate (EMR) directly impacts your premium: a strong safety program and low claim frequency can save you thousands annually.
Classify your employees correctly. Misclassifying a service technician under a lower-risk sales code might save money short-term, but it can trigger an audit penalty that costs far more than the original premium difference.
Boat and Watercraft Coverage for Weekend Adventures
Your homeowners policy might cover a small kayak or canoe, but anything with a motor typically needs its own policy. Boat insurance covers physical damage to the vessel, liability for injuries or property damage you cause on the water, and sometimes towing and salvage costs.
Lake-specific risks differ from coastal ones. A boat kept at Myrtle Beach faces saltwater corrosion, hurricane exposure, and higher theft rates than one stored at a private dock on Lake Wateree. Your policy should reflect where you keep and operate the boat. An independent agency like CSP Insurance Services can compare quotes across multiple marine carriers to find coverage that actually matches your boating habits rather than forcing you into a one-size-fits-all plan.
Boat and Watercraft Coverage for Weekend Adventures
Your homeowners policy might cover a small kayak or canoe, but anything with a motor typically needs its own policy. Boat insurance covers physical damage to the vessel, liability for injuries or property damage you cause on the water, and sometimes towing and salvage costs.
Lake-specific risks differ from coastal ones. A boat kept at Myrtle Beach faces saltwater corrosion, hurricane exposure, and higher theft rates than one stored at a private dock on Lake Wateree. Your policy should reflect where you keep and operate the boat. An independent agency like CSP Insurance Services can compare quotes across multiple marine carriers to find coverage that actually matches your boating habits rather than forcing you into a one-size-fits-all plan.
| Feature | Admitted (Standard) Carriers | Non-Admitted (E&S) Carriers |
|---|---|---|
| State regulation | Fully regulated; rates filed with state | Exempt from rate filing; flexible pricing |
| Guaranty fund protection | Yes: state fund covers claims if carrier fails | No: no guaranty fund backstop |
| Policy forms | Standardized (ISO forms common) | Manuscript or custom forms |
| Risk appetite | Prefers low-to-moderate risk | Accepts high-risk and unusual exposures |
| Premium cost | Generally lower | Typically 20-75% higher |
| Surplus lines tax | Not applicable | Buyer pays state surplus lines tax (varies 2-5%) |
| Speed of placement | Standard timelines | Can be faster or slower depending on complexity |
Comparison: Standard vs. Specialized Dealership Coverage
Garagekeepers Insurance for Customers' RVs in Service
| Feature | Standard General Liability | Garage Liability (Dealer-Specific) |
|---|---|---|
| Slip-and-fall on premises | Covered | Covered |
| Customer injury during test drive | Not covered | Covered |
| Damage caused by vehicle you're servicing | Not covered | Covered |
| Product liability (parts you install) | Limited | Covered |
| Completed operations (post-service claims) | Limited | Covered |
| Auto-related bodily injury | Excluded | Covered |
| Typical annual cost (small dealer) | $1,200 - $3,000 | $4,000 - $12,000 |
| Best for | Non-auto businesses | Dealerships and repair shops |
The takeaway here is straightforward: a standard GL policy leaves enormous gaps for any business that sells, services, or stores vehicles. Garage liability is specifically designed for dealership operations and bundles premises liability with auto-related exposures into a single policy form. An independent agency like CSP Insurance Services can compare garage liability quotes from multiple carriers to find the right balance of coverage and cost for your specific operation.
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.
Does my landlord's insurance cover my things?
No. The landlord's policy only covers the physical building and their own liability. Your furniture, electronics, clothing, and personal items are entirely your responsibility to insure.
Common Questions About RV Dealer Insurance
FAQ: Cost, Compliance, and Claims
How much does a full insurance package cost for an RV dealership? Total annual premiums typically range from $15,000 to $60,000 or more, depending on inventory size, number of employees, revenue, claims history, and location. Coastal South Carolina dealerships generally pay more due to wind and hail exposure.
Does South Carolina require specific insurance for dealer licensing? Yes. The SC DMV requires proof of a garage liability policy with minimum limits before issuing or renewing a dealer license. You'll also need a surety bond (typically $15,000 for motor vehicle dealers).
What's the most common claim RV dealers file? Hail and wind damage to lot inventory is the single most frequent claim type, especially in the Southeast. Service-related claims (damage to a customer's RV during repairs) are the second most common.
Can I bundle all my coverages into one policy? Some carriers offer a Business Owners Policy (BOP) tailored for dealers that bundles property, GL, and business income coverage. But specialized coverages like open lot, garagekeepers, and workers comp are almost always written separately.
Do I need coverage for RVs at off-site shows or events? Yes. Your open lot policy should include coverage for units displayed at RV shows, county fairs, or temporary sales events. Confirm the off-premises coverage limit is adequate for the number of units you typically bring.
What happens if a customer is injured during a test drive? Your garage liability policy should respond to bodily injury claims arising from test drives. Make sure your policy doesn't exclude permissive use by non-employees, and always verify the customer has a valid driver's license before handing over the keys.
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 |
Before You Buy a Policy
RV dealer insurance isn't something you can set up with a single phone call and forget about. Your coverage needs shift as your inventory grows, as you add service bays, and as the RV insurance market continues to evolve alongside industry trends. The right program layers general liability, garage liability, open lot, garagekeepers, commercial auto, workers comp, and professional liability into a cohesive package that eliminates gaps.
The biggest mistake I see dealers make is buying the cheapest policy available without understanding what's excluded. A $2,000 savings on premium means nothing when a $200,000 claim gets denied because your policy didn't cover customer vehicles in your care.
If you're opening a new dealership in South Carolina or reviewing your current coverage, working with an independent agency gives you access to multiple carriers and an objective comparison of your options. CSP Insurance Services has been helping South Carolina businesses build the right coverage since 1939, and their team can walk you through every layer of protection your dealership needs. Request a quote to get a side-by-side comparison tailored to your operation: no call centers, no chatbots, just a direct conversation with someone who understands your business.
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