CSP Insurance Services was founded in 1939, when Clifford Cormell joined Earnest Streett to sell insurance in Florence. More than 80 years later, we still answer the phone ourselves. No call centers, no chatbots — just a local team that knows your name and your policy.
We compare several carriers to find a policy that fits you, not one company's products.
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80+ years local experience
Hospital bills, treatment, and prescriptions for a work-related injury or illness.
Medical expenses
Claims history
A single cut fiber optic cable can knock out service for thousands of customers. A technician falls from a cell tower in Horry County. A work van rear-ends someone on I-95 near Florence. These aren't hypothetical scenarios: they're the kinds of claims that telecom companies in South Carolina deal with regularly, and any one of them can threaten a business that isn't properly insured.
Telecom businesses face a unique mix of hazards that most standard commercial policies weren't designed to handle. Between high-altitude tower work, expensive mobile equipment, fleet vehicles, and the sensitive customer data flowing through your systems, the insurance needs of a telecommunications company go well beyond a basic general liability policy. Getting the right coverage in place means understanding what each policy actually does, where the gaps hide, and how South Carolina's specific regulations affect your requirements. This guide covers the essential and specialized policies that telecom operators, contractors, and consultants need to protect their businesses in 2026.
Essential Insurance Coverage for Telecommunications Businesses
Every telecom company, whether you're running a two-person crew installing cable or managing a regional wireless provider, needs a foundation of core insurance policies. These aren't optional extras. They're the baseline that keeps your business operational after a claim and, in most cases, they're legally required to win contracts.
The three pillars are general liability, workers' compensation, and commercial auto. Each one addresses a different category of risk, and skipping any of them leaves a dangerous hole in your protection. South Carolina has specific requirements for each, and the telecom industry's risk profile means your premiums and coverage limits will look different from, say, a retail store or an accounting firm.
General Liability for Third-Party Risks
General liability covers bodily injury and property damage claims from third parties: people who aren't your employees. If a pedestrian trips over your crew's equipment on a sidewalk in Columbia, or your installation work damages a customer's wall, this policy responds. For telecom contractors, general liability is typically the first thing a general contractor or property owner asks to see before you set foot on a job site.
In South Carolina, there's no state law requiring general liability insurance, but practically every commercial contract demands it. Most telecom contracts specify minimum limits of $1 million per occurrence and $2 million aggregate. If you're doing tower work or government contracts, expect those requirements to climb higher.
Workers' Compensation for Field Technicians and Staff
South Carolina requires workers' comp for any business with four or more employees. Given that telecom field work involves climbing towers, working near high-voltage lines, and digging trenches, this isn't a policy you want to treat as an afterthought. A fall from even a modest height can result in six-figure medical bills, and without workers' comp, you're personally liable.
Your experience modification rate (or "mod rate") directly affects your premium. Companies with clean safety records pay less, while those with frequent claims get penalized. Investing in fall protection training and proper safety protocols doesn't just save lives: it saves money on premiums year after year.
Commercial Auto for Fleet and Service Vehicles
South Carolina's minimum auto liability limits are 25/50/25 (that's $25,000 per person, $50,000 per accident for bodily injury, and $25,000 for property damage). Those minimums are dangerously low for a telecom company. A single serious accident involving a loaded bucket truck could easily exceed those limits several times over.
Most telecom businesses need commercial auto policies with limits of at least $1 million combined single limit. Your policy should cover all vehicles used for business, including any personal vehicles employees drive for work purposes. Hired and non-owned auto coverage fills that gap if employees occasionally use their own cars to run to a job site.
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 |
Industry-Specific Risks and Specialized Policies
Standard policies cover the basics, but telecom companies face risks that general insurers sometimes don't fully understand. These specialized policies fill the gaps that generic coverage leaves behind.
Professional Liability and Errors & Omissions (E&O)
If your company designs network systems, provides consulting, or makes recommendations that clients rely on, you need E&O coverage. A network design flaw that causes recurring outages for a client's business can lead to a lawsuit claiming financial damages, and your general liability policy won't cover it because there's no physical injury or property damage involved.
E&O policies cover the cost of defending against these claims and any resulting settlements. For telecom consultants and managed service providers, this is often the most important policy after general liability.
Cyber Liability for Data Breaches and Network Security
Telecom companies handle enormous volumes of customer data, from call records to billing information. A breach can trigger notification requirements under South Carolina's data breach law, and the costs add up fast: forensic investigation, customer notification, credit monitoring, and potential regulatory fines.
The cyber insurance market is shifting rapidly in 2026. About 42% of companies now carry policies with specific AI-related exclusions because insurers worry about autonomous systems acting outside their intended scope. If your telecom operation uses AI-driven network management tools, check your cyber policy carefully for these exclusions. The evolving standards around next-generation network security are also pushing insurers to rethink how they underwrite telecom risks, particularly as 6G development accelerates.
Inland Marine for Tools and Equipment in Transit
Despite the name, inland marine insurance has nothing to do with boats. It covers tools, equipment, and materials that move between job sites. For telecom crews, that means fusion splicers, OTDRs, spectrum analyzers, and other gear that can easily cost $10,000 to $50,000 per piece.
Your standard commercial property policy typically only covers equipment at your listed business location. Once that gear goes into a van and heads to a tower site in rural Williamsburg County, it's often unprotected without inland marine coverage. Given how frequently telecom equipment gets stolen from vehicles or damaged in the field, this policy earns its premium.
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
Despite the name, inland marine insurance has nothing to do with boats. It covers tools, equipment, and materials that move between job sites. For telecom crews, that means fusion splicers, OTDRs, spectrum analyzers, and other gear that can easily cost $10,000 to $50,000 per piece.
Your standard commercial property policy typically only covers equipment at your listed business location. Once that gear goes into a van and heads to a tower site in rural Williamsburg County, it's often unprotected without inland marine coverage. Given how frequently telecom equipment gets stolen from vehicles or damaged in the field, this policy earns its premium.
Comparing Core Coverage vs. Specialized Add-ons
Understanding the difference between your foundational policies and your specialized coverage helps you prioritize spending and avoid redundancy.
Comparison Table: General Liability vs. Professional Liability
| Feature | General Liability | Professional Liability (E&O) |
|---|---|---|
| What it covers | Bodily injury, property damage to third parties | Financial losses from professional errors or advice |
| Typical trigger | Someone gets hurt or property is damaged | A client claims your work or advice caused them financial harm |
| Common telecom example | Technician drops a tool that damages a customer's roof | Network design error causes a client's system to fail for 48 hours |
| Required by contracts? | Almost always | Often required for consulting and managed services |
| Typical minimum limit | $1M per occurrence / $2M aggregate | $1M per claim / $1M aggregate |
| Covers legal defense? | Yes | Yes |
Both policies are claims-made or occurrence-based depending on the carrier, so pay attention to retroactive dates and tail coverage if you switch providers.
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 |
Factors That Influence Your Premium Costs
Telecom insurance premiums vary widely based on what you actually do and where you do it. A consulting firm with five office employees pays a fraction of what a tower climbing crew faces.
Contractual Requirements and State Mandates
Many telecom contracts, especially with major carriers like AT&T or T-Mobile, specify exact coverage types and limits. They'll often require you to name them as additional insureds on your policy and may demand a waiver of subrogation. These contractual requirements can push your premiums up because they expand your insurer's exposure.
South Carolina's workers' comp requirements kick in at four employees, but even if you have fewer, some contracts won't let you on a job site without it. An independent agency like CSP Insurance Services can help you sort through these overlapping requirements and find carriers that understand telecom-specific contract language.
Risk Exposure from Tower Climbing and High-Voltage Work
Tower climbing is one of the most dangerous occupations in the country. Workers' comp rates for tower climbers reflect that risk, with classification codes that carry significantly higher premiums than office-based telecom work. If your crew works at heights above 40 feet or near energized electrical equipment, expect your premiums to reflect the elevated hazard.
The growing complexity of data center and infrastructure insurance is also affecting telecom companies that operate or service these facilities. Insurers are scrutinizing these risks more closely, which can mean higher premiums or more restrictive policy terms.
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
Common Questions About Telecom Insurance
Do I need insurance if I only do consulting?
Yes. Even without field work, you face professional liability exposure. If a client follows your network design recommendation and it fails, you could be sued for their financial losses. E&O insurance is essential for consultants, and many clients will require it before signing a contract.
Will my personal auto policy cover my work van?
Almost certainly not. Personal auto policies exclude vehicles used primarily for business purposes. If you're hauling tools and equipment to job sites, you need a commercial auto policy. Using a personal policy for business driving can result in a denied claim when you need it most
How much does a basic telecom policy cost?
A general liability policy for a small telecom contractor in South Carolina typically runs $1,500 to $4,000 annually, depending on revenue and the type of work performed. Add workers' comp for a small crew and commercial auto, and you're looking at $8,000 to $20,000 or more per year. Tower climbing operations pay substantially more.
What is a waiver of subrogation in telecom contracts?
A waiver of subrogation prevents your insurance company from going after a third party (usually the company that hired you) to recover money it paid on a claim. Major carriers and general contractors routinely require this in their contracts. Your insurer may charge a small additional premium for it, but refusing to provide one can cost you the contract.
Are independent contractors covered under my policy?
Generally, no. Your workers' comp and general liability policies cover your employees, not your subcontractors. You should require all independent contractors to carry their own insurance and provide certificates of insurance before they start work. If an uninsured sub gets hurt on your job, you could be held liable. The shifting trends in how insurers evaluate contractor relationships make this an area worth reviewing with your agent annually.
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 |
Garagekeepers Insurance for Customers' RVs in Service
Making the Right Choice for Your Business
Getting telecom insurance right isn't about buying the cheapest policy or checking a box on a contract requirement. It's about understanding the specific risks your operation faces and building coverage around them. A fiber installation crew in Myrtle Beach has different needs than a telecom consulting firm in Rock Hill, and cookie-cutter policies rarely fit either one well.
The smartest move is working with an independent agency that isn't locked into a single carrier. CSP Insurance Services has been helping South Carolina businesses since 1939, and their team can compare options across multiple insurers to match your coverage to your actual risk profile: no call centers, no chatbots, just direct access to people who understand the industry.
If you're starting a new telecom operation, renewing an existing policy, or just wondering whether your current coverage has gaps, reach out and request a quote. A 15-minute conversation now can save you from a six-figure headache later.
About the author
Lawson Walker, CIC
I'm proud to be part of an agency that's served Florence since 1939. CSP Insurance Services started as Cormell-Streett & Patterson, built by people who believed insurance should be personal — and more than eight decades later, that conviction still drives everything we do. Commitment, Service, Protection isn't just what CSP stands for; it's how I approach every client relationship.
As an independent, Trusted Choice agency, we aren't tied to any single carrier. That means I work for you — shopping multiple companies to match you with coverage that actually fits your family, your business, and your budget. No call centers, no chatbots. Just a local expert who takes the time to understand what matters to you and stands by you when it counts.
Whether you're protecting your home, your car, or a business you've spent years building, I'd be glad to help you find the right coverage.
We compare several carriers to find a policy that fits you, not one company's products.
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80+ years local experience
1939
Serving SC
Most Requested
Core business coverage.
The policies most South Carolina businesses start with.
Commercial Property
Protect the building, equipment, and inventory your business runs on, so a covered fire, theft, or storm doesn’t become a closed door.
Workers Compensation
Required for most South Carolina employers with staff. It covers medical bills and lost wages when an employee is hurt on the job.
Commercial Auto
Cars, trucks, and fleets used for work need more than a personal policy. This handles liability, damage, and your drivers.
General Liability
Accidents happen on the job and on your property. General liability covers third-party injury and property damage claims against your business.
Inland Marine
Tools, equipment, and goods on the move aren’t covered by standard property policies. Inland marine protects them wherever they travel.
Business Owners (BOP)
A business owners policy bundles property and liability coverage into one package, often at a better price for small businesses.
We compare several carriers to find a policy that fits you, not one company's products.
◆
80+ years local experience
1939
Serving SC
Insurance Sales
J. Roger Jordan, CIC
[CONFIRM bio]
Personal Insurance
Coverage for your home, vehicles, and family.
Protect what matters most with personal policies shopped across our carriers.
Home
Your house is likely your largest investment. Home insurance helps rebuild after covered damage and protects you from liability.
Auto
South Carolina drivers need real protection. Auto coverage handles liability, collision, medical costs, and uninsured drivers.
Umbrella
When a serious claim climbs past your home or auto limits, umbrella coverage adds an extra layer of liability protection.
Boat
Time on the water should be worry-free. Boat coverage protects your vessel, your passengers, and your liability on the lake or coast.
Motorcycle
Riders need coverage built for the road. Motorcycle insurance protects your bike, your gear, and you after an accident.
Condo
Your association covers the building, but not what’s inside. Condo insurance protects your belongings, improvements, and liability.
We compare several carriers to find a policy that fits you, not one company's products.
◆
80+ years local experience
1939
Serving SC
Insurance Sales
J. Roger Jordan, CIC
[CONFIRM bio]
Boat
Your association covers the building, but not what’s inside. Condo insurance protects your belongings, improvements, and liability.
Time on the water should be worry-free. Boat coverage protects your vessel, your passengers, and your liability on the lake or coast.
Condo
Motorcycle
Riders need coverage built for the road. Motorcycle insurance protects your bike, your gear, and you after an accident.
Industries We Serve
Specialized coverage for your industry.
Every industry carries its own risk. We help South Carolina businesses protect what they've built.
Restaurants
Kitchens, customers, and staff create daily exposure. We protect your property, equipment, liquor liability, and employees.
Manufacturers
From equipment breakdown to product liability, manufacturers face risk on the floor and beyond. We help cover property, machinery, and goods.
Healthcare Providers
Practices and clinics carry patient, property, and professional risk. We help cover liability, equipment, and the people who run your practice.
We compare several carriers to find a policy that fits you, not one company's products.
◆
80+ years local experience
1939
Serving SC
Commercial Property
Protect the building, equipment, and inventory your business runs on, so a covered fire, theft, or storm doesn’t become a closed door.
Commercial Auto
Cars, trucks, and fleets used for work need more than a personal policy. This handles liability, damage, and your drivers.
How It Works
Getting covered is simple.
Four steps, one real person from start to finish.
We compare carriers
We shop options across our carriers to find strong protection at a fair price.
We compare several carriers to find a policy that fits you, not one company's products.
Multi-carrier choice
Claims advocacy
When a claim happens, we stand in your corner and help move it forward with your carrier.
Local SC roots
We live and work in Florence and understand the risks your community faces because we face them too.
Client Reviews
Why clients choose CSP.
Independent advice, real people, and decades of local roots.
We compare several carriers to find a policy that fits you, not one company's products.
◆
80+ years local experience
1939
Serving SC
Insurance Sales
J. Roger Jordan, CIC
[CONFIRM bio]
Boat
Your association covers the building, but not what’s inside. Condo insurance protects your belongings, improvements, and liability.
Time on the water should be worry-free. Boat coverage protects your vessel, your passengers, and your liability on the lake or coast.
Condo
Motorcycle
Riders need coverage built for the road. Motorcycle insurance protects your bike, your gear, and you after an accident.
FAQs
Questions, answered.
Straight answers about working with an independent agency.
What does an independent insurance agency do?
An independent agency represents several carriers instead of one. We compare coverage and pricing across companies, then recommend the policy that fits you best.
Do you cover both personal and business insurance?
Yes. CSP writes personal lines like home and auto, and commercial lines for businesses across South Carolina.
How long has CSP been in business?
CSP traces its roots to 1939, with more than 80 years serving South Carolina families and businesses.
Will I work with a real person?
Always. No call centers and no chatbots — you work with a local team member who knows your account.
Which areas do you serve?
We’re based in Florence and serve clients statewide, including Myrtle Beach, Rock Hill, and Columbia.
How do I get a quote?
Request a quote online, call us, or stop by the office. A real person will review your needs and follow up.
How It Works
Insurance tips & updates.
Plain-language guidance to help you make confident decisions.
We compare several carriers to find a policy that fits you, not one company's products.
◆
80+ years local experience
1939
Serving SC
Insurance Sales
J. Roger Jordan, CIC
[CONFIRM bio]
Boat
Your association covers the building, but not what’s inside. Condo insurance protects your belongings, improvements, and liability.
Time on the water should be worry-free. Boat coverage protects your vessel, your passengers, and your liability on the lake or coast.
Condo
Motorcycle
Riders need coverage built for the road. Motorcycle insurance protects your bike, your gear, and you after an accident.
Get a Quote
Let's find your coverage.
Tell us a little about what you need to protect. A real person from our Florence team will review it and follow up.
2420 Hoffmeyer Road, Suite D
Florence, SC 29501
Mon–Fri 8:30am – 5:00pm