South Carolina RV Dealer Insurance

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 in South Carolina means juggling a lot of moving parts: high-value inventory sitting on open lots, customers taking test drives in 40-foot motorhomes, service bays handling propane systems and electrical work, and a finance office processing titles and loan paperwork. Each of those activities carries distinct risks, and a standard business insurance package won't cover most of them. The RV industry continues to show strength nationally, with studies detailing a $159 billion economic impact across the United States, and South Carolina dealers are capturing a growing share of that market. But growth brings exposure. A single uncovered hail event or a slip-and-fall lawsuit during an RV show can wipe out a year's profit. This guide breaks down the essential coverage types South Carolina RV dealers need, from general liability and workers' comp to industry-specific policies like open lot insurance and errors and omissions. Whether you operate a small lot near Florence or a multi-location dealership along the Grand Strand, the goal is the same: build a coverage program that actually matches the risks you face every day, not one designed for a generic car dealer three states away.

Essential Insurance Requirements for South Carolina RV Dealers

South Carolina's regulatory environment sets specific minimums for dealer insurance, but minimums rarely equal adequate protection. The state requires dealers to carry a surety bond (currently $15,000 for motor vehicle dealers), maintain proof of liability coverage, and comply with workers' compensation laws once they hit the employee threshold. RV dealerships face unique wrinkles because the vehicles they sell function as both transportation and living spaces, which means the liability exposure is broader than a typical auto dealer.


The real challenge is layering the right policies together so there are no gaps. A customer who trips over a leveling jack on your lot triggers a different policy than a customer whose newly purchased travel trailer has a propane leak. Understanding which coverage responds to which scenario is the difference between a manageable claim and a financial disaster.

General Liability and Garage Liability Basics

General liability covers the fundamentals: bodily injury and property damage that occur on your premises or result from your operations. If a visitor slips on a wet showroom floor or a sign falls on someone's car, GL responds. For RV dealers, though, standard GL has holes. That's where garage liability comes in.


Garage liability is essentially a hybrid policy built for dealerships. It combines general liability with auto liability for vehicles in your care, custody, and control. This means if a technician backs a customer's fifth wheel into a fence post, or a salesperson damages a trade-in during an appraisal drive, garage liability covers it. Most South Carolina insurers will write GL and garage liability as a package, but pay attention to the per-occurrence limits. RVs are expensive, and a $500,000 limit that might work for a used car lot is dangerously thin when a single Class A motorhome can be worth $250,000 or more.

South Carolina Workers' Compensation Compliance

South Carolina requires workers' compensation coverage for any business with four or more employees. That threshold catches most RV dealerships, even smaller operations. The penalties for non-compliance are stiff: fines up to $100 per day of non-compliance, plus personal liability for any workplace injuries.


RV dealerships face above-average workers' comp risk because the work is physical. Technicians climb on roofs, handle heavy slide-out mechanisms, and work with LP gas systems. Parts staff move bulky components. Even salespeople face risk walking uneven gravel lots in all weather. Your workers' comp rates are tied to classification codes, and making sure your employees are properly classified matters. A finance manager shouldn't be rated the same as a service technician. Misclassification inflates your premiums, and an audit will catch it eventually. Employment practices liability insurance is another layer worth considering, since EPLI claims related to wrongful termination and discrimination have been rising steadily among South Carolina small businesses.

Commercial Auto and Test Drive Coverage

South Carolina's minimum auto liability limits are 25/50/25: $25,000 per person, $50,000 per accident for bodily injury, and $25,000 for property damage. Those numbers are a starting point, not a recommendation. When a customer takes a 35-foot motorhome on a test drive and rear-ends someone on Highway 17, the resulting claim will blow past state minimums in minutes.


Commercial auto insurance for RV dealers needs to cover your titled business vehicles (tow trucks, delivery vehicles, courtesy cars) and extend to test drive scenarios. Some garage liability policies include test drive coverage, but others exclude it or cap it at low limits. Read the endorsements carefully. You also need to think about hired and non-owned auto coverage for employees who run errands in their personal vehicles. A parts run in a personal car that results in an accident can circle back to your dealership.

Your CSP agent

Lawson Walker, CIC

Insurance Sales

CSP Insurance Services is a fully licensed independent insurance agency serving individuals, families, and businesses across South Carolina.

From our home in Florence, we proudly serve clients in Florence, Myrtle Beach, Rock Hill, Columbia, and communities throughout South Carolina. As an independent Trusted Choice agency, our team works with a wide range of top-rated carriers to provide personal and commercial coverage — home, auto, business, life, and more — tailored to the real needs of the people and businesses we protect.

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

Industry-Specific Policies for RV Dealerships

Generic commercial insurance packages miss the risks that are unique to RV dealers. These industry-specific policies fill the gaps that standard coverage leaves wide open.

Open Lot Insurance for High-Value Inventory

Your lot might hold $3 million to $10 million in RV inventory on any given day. Open lot insurance (sometimes called dealer's open lot or lot coverage) protects that inventory against physical damage from fire, theft, vandalism, hail, wind, and collision. This is not optional: it's the backbone of your property protection.


The key details to watch are your per-unit limits, your aggregate limit, and your deductibles. Some policies cap individual unit coverage at $150,000, which won't cover a high-end diesel pusher. Others exclude flood damage entirely, which is a serious concern in South Carolina. Roughly 80% of new flood business in the state is now placed with private insurers rather than the NFIP, giving dealers more options but also requiring more careful comparison shopping. An independent agency like CSP Insurance Services can pull quotes from multiple carriers to find lot coverage that actually matches your inventory values and risk profile.

Errors and Omissions for Titling and Financing

If your dealership handles financing, title work, or extended warranty sales, you're exposed to errors and omissions claims. A title error that delays a sale, a financing disclosure mistake, or a warranty explanation that doesn't match the actual coverage can all result in lawsuits.


E&O insurance covers the cost of defending these claims and paying damages. South Carolina's consumer protection laws give buyers significant recourse when dealers make paperwork mistakes, and the legal costs alone can be substantial even when you've done nothing intentionally wrong. This is one of those policies that feels unnecessary until you need it, and by then it's too late to buy it.

Service and Repair Shop Liability

Most RV dealerships operate service departments, and that's where some of the highest-risk activities happen. Garagekeepers liability covers damage to customer vehicles while they're in your care for service. If a fire breaks out in your shop and destroys three customer RVs, garagekeepers responds.


But you also need completed operations coverage, which protects you after the work is done. If your technician installs a water heater incorrectly and it causes a fire six months later while the customer is camping in Myrtle Beach, completed operations coverage handles that claim. Cybersecurity risks in dealership service departments are also growing as diagnostic systems and customer data become increasingly digital, making cyber liability another consideration for dealers with connected service operations.

Comparing Standard vs. Enhanced Coverage Options

Not all policies are created equal, and the price difference between basic and enhanced coverage is often smaller than dealers expect. Here's a quick comparison of where the gaps typically fall:

Coverage Area Standard Policy Enhanced Policy
Per-Unit Lot Limit $100,000-$150,000 $300,000-$500,000+
Flood Coverage Excluded or NFIP only Private flood with higher limits
Test Drive Liability State minimums (25/50/25) $1M combined single limit
Completed Operations 1-year tail 3-5 year tail
Cyber Liability Not included $250K-$1M coverage
E&O Coverage Not included $500K-$1M per claim
Garagekeepers Actual cash value Agreed value or replacement cost

The jump from standard to enhanced coverage might add 15-25% to your annual premium, but it eliminates the coverage gaps that cause the most painful out-of-pocket losses. When you're sitting on millions in inventory and processing hundreds of transactions a year, that's a smart trade.

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
Feature Bare Walls Coverage All-In Coverage
Association covers Structure, roof, exterior walls, common areas Structure plus original interior finishes (drywall, flooring, cabinets, fixtures)
Unit owner covers Everything from studs inward, including original finishes Only personal property and owner-made upgrades
Typical premium impact Lower master policy premium Higher master policy premium
Unit owner HO-6 cost Higher (more responsibility) Lower (less to insure individually)
Claim confusion risk Moderate: owners sometimes assume more is covered Lower: clearer division of responsibility
Best for Associations wanting lower shared costs Associations wanting simpler claims processing

Managing Risk in the South Carolina Market

South Carolina's geography and climate create risks that dealers in landlocked states simply don't face. Smart risk management reduces your claims frequency, which keeps your premiums down over time.

Protecting Inventory from Coastal Weather and Hail

Coastal dealers from Myrtle Beach to Hilton Head deal with hurricane season every year, but even inland dealers in Columbia and Florence face severe thunderstorms and hail. South Carolina's wind and hail exposure has made some carriers reluctant to write dealer policies, and non-renewals in high-risk coastal areas have pushed some dealers toward the state's FAIR Plan as a last resort.


Proactive steps make a real difference. Covered storage for your highest-value units, a written hurricane preparation plan, and hail-resistant carport structures all signal to underwriters that you're a better risk. Some carriers offer premium credits for these measures. If you're near the coast, consider a separate named-storm deductible policy to keep your main lot coverage affordable.

Theft Prevention and Lot Security Standards

RV theft might seem unlikely given the size of the vehicles, but catalytic converter theft, parts theft, and break-ins targeting electronics and generators are common. Insurers increasingly require specific security measures before they'll write open lot coverage.


At minimum, you should have perimeter fencing, motion-activated lighting, and a camera system with at least 30 days of footage retention. Key control is critical: every unit key should be logged and secured nightly. Some dealers have moved to GPS tracking on high-value units, which also helps with recovery if theft does occur. Document your security setup and share it with your agent during renewals: it directly affects your pricing.

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.

Common Questions About RV Dealer Insurance

How much does RV dealer insurance cost in South Carolina? Annual premiums typically range from $8,000 to $30,000+ depending on inventory value, number of employees, service operations, and location. Coastal dealers generally pay more due to wind and hail exposure.


Do I need separate flood insurance for my lot? Yes, in most cases. Standard lot policies exclude flood damage. If you're in or near a flood zone, a standalone flood policy is essential, and private flood options now offer more flexibility than the NFIP.


Can I bundle all my coverage with one carrier? Sometimes, but not always. RV dealership risks are specialized, and the best coverage often comes from combining policies across multiple carriers. An independent agency can coordinate this so you don't have gaps.


What happens if a customer crashes during a test drive? Your garage liability or commercial auto policy should respond, but only if test drive coverage is included and the limits are adequate. Verify this with your agent before handing over keys.


Does workers' comp cover my 1099 subcontractors? No. Independent contractors aren't covered under your workers' comp policy. However, if the state reclassifies them as employees, you could face penalties and back-premium charges.


Is cyber liability really necessary for an RV dealership? If you process credit applications, store customer financial data, or use connected diagnostic tools, yes. A data breach affecting customer records triggers notification requirements under South Carolina law and can result in significant costs.

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

Making the Right Choice for Your Dealership

The RV market in South Carolina continues to grow, with state-level registration data tracking closely with national trends that show steady demand for towable and motorized units alike. That growth means more inventory on your lot, more customers in your showroom, and more transactions flowing through your F&I office. Each of those represents both revenue and risk.


The right insurance program isn't about buying the most expensive policy available. It's about matching coverage to the specific risks your dealership actually faces: your location, your inventory mix, your service capabilities, and your employee count. A dealer in Rock Hill with 50 travel trailers has different needs than a dealer in Myrtle Beach with 200 units including Class A motorhomes.


CSP Insurance Services has been helping South Carolina businesses build coverage programs since 1939, and as an independent agency, they can compare options across multiple carriers to find the right fit. If you're unsure whether your current coverage has gaps, or you're opening a new dealership and starting from scratch, request a quote to get a personalized review of your insurance needs. A 20-minute conversation now can save you from a six-figure surprise later.

About the author

Lawson Walker, CIC

I'm proud to be part of an agency that's served Florence since 1939. CSP Insurance Services started as Cormell-Streett & Patterson, built by people who believed insurance should be personal — and more than eight decades later, that conviction still drives everything we do. Commitment, Service, Protection isn't just what CSP stands for; it's how I approach every client relationship.


As an independent, Trusted Choice agency, we aren't tied to any single carrier. That means I work for you — shopping multiple companies to match you with coverage that actually fits your family, your business, and your budget. No call centers, no chatbots. Just a local expert who takes the time to understand what matters to you and stands by you when it counts.


Whether you're protecting your home, your car, or a business you've spent years building, I'd be glad to help you find the right coverage.

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

◆

80+ years local experience

1939

Serving SC

Meet Richard

Most Requested

Core business coverage.

The policies most South Carolina businesses start with.

Commercial Property

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

Workers Compensation

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

Commercial Auto

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

General Liability

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

Inland Marine

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

Business Owners (BOP)

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

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

◆

80+ years local experience

1939

Serving SC

Insurance Sales

J. Roger Jordan, CIC

Meet Richard

[CONFIRM bio]

Personal Insurance

Coverage for your home, vehicles, and family.

Protect what matters most with personal policies shopped across our carriers.

Home

Your house is likely your largest investment. Home insurance helps rebuild after covered damage and protects you from liability.

Auto

South Carolina drivers need real protection. Auto coverage handles liability, collision, medical costs, and uninsured drivers.

Umbrella

When a serious claim climbs past your home or auto limits, umbrella coverage adds an extra layer of liability protection.

Boat

Time on the water should be worry-free. Boat coverage protects your vessel, your passengers, and your liability on the lake or coast.

Motorcycle

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

Condo

Your association covers the building, but not what’s inside. Condo insurance protects your belongings, improvements, and liability.

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

◆

80+ years local experience

1939

Serving SC

Insurance Sales

J. Roger Jordan, CIC

Meet Richard

[CONFIRM bio]

Get a Quote

Boat

Your association covers the building, but not what’s inside. Condo insurance protects your belongings, improvements, and liability.

Time on the water should be worry-free. Boat coverage protects your vessel, your passengers, and your liability on the lake or coast.

Condo

Get a Quote

Motorcycle

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

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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.

Meet Richard View all business coverage Get a Quote

Commercial Auto

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

How It Works

Getting covered is simple.

Four steps, one real person from start to finish.

Tell us about you

Share a few details about what you need to protect. A real person reviews it.

We compare carriers

We shop options across our carriers to find strong protection at a fair price.

We recommend coverage

We walk you through the policy in plain language and answer every question.

You get covered

Sign with confidence — and we stay on for changes, claims, and yearly reviews.

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

Multi-carrier choice

Claims advocacy

When a claim happens, we stand in your corner and help move it forward with your carrier.

Local SC roots

We live and work in Florence and understand the risks your community faces because we face them too.

Client Reviews

Why clients choose CSP.

Independent advice, real people, and decades of local roots.

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

◆

80+ years local experience

1939

Serving SC

Insurance Sales

J. Roger Jordan, CIC

Meet Richard

[CONFIRM bio]

Get a Quote

Boat

Your association covers the building, but not what’s inside. Condo insurance protects your belongings, improvements, and liability.

Time on the water should be worry-free. Boat coverage protects your vessel, your passengers, and your liability on the lake or coast.

Condo

Get a Quote

Motorcycle

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

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FAQs

Questions, answered.

Straight answers about working with an independent agency.

  • What does an independent insurance agency do?

    An independent agency represents several carriers instead of one. We compare coverage and pricing across companies, then recommend the policy that fits you best.

  • Do you cover both personal and business insurance?

    Yes. CSP writes personal lines like home and auto, and commercial lines for businesses across South Carolina.

  • How long has CSP been in business?

    CSP traces its roots to 1939, with more than 80 years serving South Carolina families and businesses.

  • Will I work with a real person?

    Always. No call centers and no chatbots — you work with a local team member who knows your account.

  • Which areas do you serve?

    We’re based in Florence and serve clients statewide, including Myrtle Beach, Rock Hill, and Columbia.

  • How do I get a quote?

    Request a quote online, call us, or stop by the office. A real person will review your needs and follow up.

How It Works

Insurance tips & updates.

Plain-language guidance to help you make confident decisions.

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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

Meet Richard

[CONFIRM bio]

Get a Quote

Boat

Your association covers the building, but not what’s inside. Condo insurance protects your belongings, improvements, and liability.

Time on the water should be worry-free. Boat coverage protects your vessel, your passengers, and your liability on the lake or coast.

Condo

Get a Quote

Motorcycle

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

Get a Quote

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Let's find your coverage.

Tell us a little about what you need to protect. A real person from our Florence team will review it and follow up.

2420 Hoffmeyer Road, Suite D
Florence, SC 29501

Mon–Fri 8:30am – 5:00pm