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
Commercial Property for Specialized Equipment
A standard property policy covers your building (if you own it), furniture, and general inventory. But hearing aid centers have specialized equipment that needs proper valuation: audiometers, tympanometers, real-ear measurement systems, and programming hardware can easily total $50,000 to $100,000 or more.
Make sure your property policy covers replacement cost rather than actual cash value. A five-year-old audiometer that cost $15,000 new might have a depreciated value of $5,000, but replacing it still costs $15,000. South Carolina coastal practices should also pay attention to wind and hail exclusions, which are common in standard policies near Myrtle Beach and other coastal areas. You may need a separate windstorm policy through the SC Wind and Hail Underwriting Association.
Running a trailer dealership in South Carolina means juggling inventory, customer demands, DMV paperwork, and the constant worry that one bad storm or one liability claim could wipe out years of hard work. Whether you're selling utility trailers off a lot in Florence or running a full-service repair shop near Myrtle Beach, the right insurance setup isn't optional: it's the foundation your business sits on. This guide breaks down the specific coverage types South Carolina trailer dealers need, from general liability and workers comp to industry-specific policies like garagekeepers liability and dealers open lot. Getting this wrong can mean gaps that leave you exposed at the worst possible time, so the details matter more than most people realize. The state has its own licensing rules, bond requirements, and minimum liability thresholds that differ from neighboring states, and your insurance program needs to reflect all of them. If you've been quoted a one-size-fits-all policy and felt uneasy about it, trust that instinct. Trailer dealerships face risks that generic business insurance simply doesn't address, and a policy built for a retail store or an office won't protect a lot full of flatbeds and enclosed cargo trailers sitting in a hurricane-prone state.
Understanding South Carolina Insurance Requirements for Trailer Dealers
South Carolina regulates motor vehicle dealers through a combination of DMV licensing, surety bond mandates, and minimum insurance requirements. Trailer dealers fall under the same umbrella as other motor vehicle dealers in the state, which means you can't just hang a sign and start selling. The state requires specific financial protections before you're legally allowed to operate, and the insurance side of that equation is where many new dealers stumble.
The South Carolina Department of Insurance oversees carrier compliance, but it's the DMV that dictates what you need before your dealer license is approved. Missing even one requirement can delay your opening or, worse, result in fines and license suspension down the road.
South Carolina DMV Licensing and Surety Bond Rules
Every motor vehicle dealer in South Carolina must maintain a $50,000 surety bond, which typically costs between $500 and $750 annually depending on your credit profile. This bond protects consumers if you fail to deliver a clear title or engage in fraudulent sales practices. It's not insurance for your business: it's a financial guarantee to the state.
The SC DMV Dealer and Wholesaler Manual outlines every step of the licensing process, including lot requirements, signage rules, and documentation standards. You'll also need proof of garage liability insurance before the DMV will issue your license.
Garage Liability vs. General Liability for Dealerships
Here's a distinction that trips up a lot of first-time dealers: general liability and garage liability aren't the same thing. General liability covers slip-and-fall incidents on your property or advertising injury claims. Garage liability is a specialized form of coverage designed specifically for businesses that service, repair, or sell vehicles and trailers.
Garage liability bundles general liability protections with auto liability for vehicles and trailers in your care, custody, or control. If a customer test-drives a trailer and causes an accident, your garage liability policy responds. A standard GL policy would leave you holding the bag. For a South Carolina trailer dealership, garage liability is the baseline: not an upgrade.
Your CSP agent
Lawson Walker, CIC
Insurance Sales
On this page
CSP Insurance Services is a fully licensed independent insurance agency serving individuals, families, and businesses across South Carolina.
From our home in Florence, we proudly serve clients in Florence, Myrtle Beach, Rock Hill, Columbia, and communities throughout South Carolina. As an independent Trusted Choice agency, our team works with a wide range of top-rated carriers to provide personal and commercial coverage — home, auto, business, life, and more — tailored to the real needs of the people and businesses we protect.
Boat and Watercraft Coverage for Weekend Adventures
Your homeowners policy might cover a small kayak or canoe, but anything with a motor typically needs its own policy. Boat insurance covers physical damage to the vessel, liability for injuries or property damage you cause on the water, and sometimes towing and salvage costs.
Lake-specific risks differ from coastal ones. A boat kept at Myrtle Beach faces saltwater corrosion, hurricane exposure, and higher theft rates than one stored at a private dock on Lake Wateree. Your policy should reflect where you keep and operate the boat. An independent agency like CSP Insurance Services can compare quotes across multiple marine carriers to find coverage that actually matches your boating habits rather than forcing you into a one-size-fits-all plan.
| Feature | Admitted (Standard) Carriers | Non-Admitted (E&S) Carriers |
|---|---|---|
| State regulation | Fully regulated; rates filed with state | Exempt from rate filing; flexible pricing |
| Guaranty fund protection | Yes: state fund covers claims if carrier fails | No: no guaranty fund backstop |
| Policy forms | Standardized (ISO forms common) | Manuscript or custom forms |
| Risk appetite | Prefers low-to-moderate risk | Accepts high-risk and unusual exposures |
| Premium cost | Generally lower | Typically 20-75% higher |
| Surplus lines tax | Not applicable | Buyer pays state surplus lines tax (varies 2-5%) |
| Speed of placement | Standard timelines | Can be faster or slower depending on complexity |
| Feature | Basic Liability Only | Full Coverage |
|---|---|---|
| Bodily injury liability | State minimum (25/50) | Higher limits (100/300+) |
| Property damage liability | $25,000 | $100,000+ |
| Collision (your vehicle) | Not included | Included |
| Comprehensive (theft, weather) | Not included | Included |
| Uninsured motorist | Optional | Typically included |
| Rental car reimbursement | Not included | Often included |
| Typical annual cost (SC) | $600-$900 | $1,400-$2,200 |
The price difference is real, but so is the coverage gap. If you're financing or leasing a vehicle, your lender will require full coverage anyway.
| Feature | HMO | PPO | HDHP with HSA |
|---|---|---|---|
| Network Flexibility | Must use in-network providers; referrals needed | In-network and out-of-network options | Broad network; works like PPO |
| Monthly Premiums | Lowest | Highest | Moderate |
| Out-of-Pocket Costs | Low copays | Moderate copays/coinsurance | High deductible before coverage kicks in |
| Best For | Employees who want low costs and don't mind restrictions | Employees who want provider choice | Younger, healthier employees; tax-savvy savers |
| HSA Eligible | No | No | Yes |
Core Coverage Components for Trailer Dealerships
Beyond garage liability, a trailer dealer's insurance program has several moving parts. Each one addresses a different risk, and skipping any of them creates a gap that could cost you six figures or more in a single incident.
Commercial Auto and Drive-Away Coverage
If your dealership uses trucks to deliver trailers, pick up trade-ins, or haul inventory from auctions, you need commercial auto insurance. South Carolina's minimum auto liability limits are 25/50/25: that's $25,000 per person for bodily injury, $50,000 per accident, and $25,000 for property damage. Those minimums are dangerously low for a commercial operation. Most experienced agents recommend at least $500,000 in combined single limit coverage.
Drive-away coverage is another piece many dealers overlook. This protects trailers being transported from one location to another, whether you're moving them from a manufacturer to your lot or delivering to a buyer three counties away. Standard trailer dealer insurance policies often include this as an add-on, but you need to confirm it's there.
Workers Compensation for South Carolina Staff
South Carolina requires workers compensation insurance for any business with four or more employees. Even if you're running a small lot with just a couple of salespeople and a mechanic, you're close to that threshold, and subcontractors can sometimes count toward your total.
Workers comp rates in South Carolina are set by classification codes, and rate changes follow a scheduled review process that can shift your premiums from year to year. Dealership employees face real physical risks: loading and unloading trailers, operating forklifts, working in service bays. A single back injury claim can easily exceed $50,000, so cutting corners here is a bad bet.
Dealers Open Lot: Protecting Your Inventory
Your lot full of trailers represents a massive financial investment sitting outdoors, exposed to everything South Carolina's weather can throw at it. Dealers open lot coverage (sometimes called lot insurance) protects your inventory against theft, vandalism, fire, hail, and wind damage.
This is especially critical in coastal areas like Myrtle Beach, where hurricane season brings real exposure every year. A standard property policy won't cover inventory on an open lot. You need a policy specifically designed for dealer inventory, and the coverage limits should reflect the actual value of what's sitting on your lot at any given time. Underinsuring here is one of the most common and costly mistakes trailer dealers make.
| Feature | Basic Coverage | Extended Coverage |
|---|---|---|
| Liability | State minimums (25/50/25 in SC) | $500K-$1M+ limits |
| Collision | Often excluded or high deductible | Included with lower deductible |
| Comprehensive | May be excluded | Included (theft, weather, vandalism) |
| HNOA | Not included | Typically included |
| Uninsured Motorist | State minimum only | Higher limits available |
| Roadside/Towing | Not included | Available as add-on |
| Rental Reimbursement | Not included | Available as add-on |
For a restaurant owner in Florence with one delivery vehicle, basic coverage might seem sufficient. But if that driver causes a serious injury, the state minimum liability won't come close to covering the medical bills and legal costs. Extended coverage costs more upfront but prevents the kind of catastrophic out-of-pocket expense that closes businesses.
More hearing aid centers are offering in-home fitting and testing services, especially for elderly or mobility-limited patients. If any employee drives a company vehicle, or even their personal car, for business purposes, your personal auto policy won't cover accidents that happen during work-related trips.
A commercial auto policy covers liability, collision, and comprehensive damage for vehicles used in your business operations. South Carolina's minimum auto liability limits are 25/50/25 ($25,000 per person, $50,000 per accident for bodily injury, $25,000 for property damage), but most businesses should carry significantly higher limits. A serious accident during a house call could easily exceed those minimums.
Commercial Auto for Mobile Services
Comparing Basic and Comprehensive Coverage Plans
Not every dealership needs the same coverage, but every dealership needs more than the bare minimum. Here's how a basic plan stacks up against a more complete program:
| Coverage Type | Basic Plan | Comprehensive Plan |
|---|---|---|
| Garage Liability | State minimum limits | $1M+ per occurrence |
| Dealers Open Lot | Limited inventory value | Full replacement cost |
| Commercial Auto | 25/50/25 state minimum | $500K-$1M CSL |
| Workers Comp | Statutory minimum | Statutory + employer's liability |
| Garagekeepers | Not included | Included for service operations |
| E&O Coverage | Not included | Included for title/registration |
| Umbrella/Excess | Not included | $1M-$5M excess layer |
The basic plan keeps you legal. The comprehensive plan keeps you in business after a serious claim. An independent agency like CSP Insurance Services can run quotes across multiple carriers to show you exactly what the cost difference looks like: it's often smaller than dealers expect, especially when policies are bundled.
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 |
Specialized Policies for Trailer Sales and Repair Shops
If your dealership includes a service department, your risk profile expands significantly. Repair work introduces liability exposures that pure sales operations don't face, and the policies covering those risks are highly specialized.
Garagekeepers Legal Liability for Service Bays
Garagekeepers coverage protects trailers and vehicles belonging to your customers while they're in your care for service or repair. If a fire damages three customer trailers sitting in your shop overnight, your garage liability policy won't pay for them. That's a garagekeepers claim.
You can structure this coverage on a legal liability basis (you pay only if you're found at fault) or on a direct primary basis (the policy pays regardless of fault). Direct primary costs more but eliminates disputes about who caused the damage. For a busy service operation, the direct primary option is usually worth the extra premium.
Errors and Omissions for Title and Registration Paperwork
Trailer sales involve title transfers, registration paperwork, and sometimes lien recordings. A mistake in any of these documents can create serious legal and financial problems for your buyer, and they'll come after you for damages. Errors and omissions coverage protects your dealership against claims arising from paperwork mistakes, missed filings, or incorrect documentation.
South Carolina has specific rules around trailer bills of sale and odometer exemptions that differ from standard vehicle transactions. Getting these wrong isn't just an inconvenience: it can result in title disputes that drag on for months. E&O coverage gives you a safety net when human error inevitably happens.
Specialty Lines: Flood, Earthquake, and Valuable Items
Flood insurance is a separate policy, typically written through FEMA's National Flood Insurance Program or a private carrier. If your home sits in a designated flood zone anywhere along the SC coast or near inland rivers, your mortgage lender will require it. But even homes outside mapped flood zones can flood: roughly 25% of flood claims come from properties in low-to-moderate risk areas.
Earthquake coverage is less common in South Carolina, but the state sits near the Charleston fault zone, which produced a magnitude 7.3 quake in 1886. A rider or standalone earthquake policy is worth considering if you're in the Lowcountry.
Scheduled personal property endorsements cover high-value items like jewelry, art, firearms, or musical instruments that exceed standard policy sub-limits. Most homeowners policies cap jewelry coverage at $1,500-$2,500 per item. If your engagement ring is worth $8,000, you need a scheduled endorsement or inland marine floater to cover the difference.
ERISA Requirements for Life Insurance Plans
If you offer employer-paid group life insurance, your plan almost certainly falls under the Employee Retirement Income Security Act. ERISA requires you to provide employees with a Summary Plan Description that explains benefits, eligibility, and claims procedures in plain language. You also need to file Form 5500 annually with the Department of Labor if your plan covers 100 or more participants. The ERISA compliance checklist for employers includes maintaining a written plan document, designating a plan fiduciary, and following proper claims and appeals procedures. Skipping any of these steps creates real liability.
South Carolina doesn't have its own mini-ERISA statute, so federal rules govern most employer-sponsored plans. But the SC Department of Insurance does regulate the carriers themselves, so make sure your insurer is licensed to operate in the state. Employers who fail to meet ERISA's fiduciary standards can face personal liability, not just corporate penalties.
Common Questions About Trailer Dealer Insurance
How much does trailer dealer insurance cost in South Carolina? Costs vary widely based on your lot size, inventory value, number of employees, and whether you do repairs. A small sales-only operation might pay $3,000-$5,000 annually, while a full-service dealership with a large lot could see premiums of $15,000-$25,000 or more.
Do I need insurance before I get my dealer license? Yes. The SC DMV requires proof of garage liability insurance and a $50,000 surety bond before issuing a dealer license. You cannot legally operate without both.
Does my homeowner's insurance cover trailers I store at home? Almost certainly not. Homeowner's policies exclude business inventory and commercial activities. You need a dealers open lot policy even if you're storing trailers on residential property.
Is flood insurance included in my dealer policy? No. Flood coverage requires a separate policy, and in South Carolina's coastal and low-lying areas, it's not optional. Standard property and lot policies explicitly exclude flood damage.
Can I bundle all my coverages into one policy? Many carriers offer dealer package policies that combine garage liability, garagekeepers, open lot, and other coverages into a single program. Bundling usually saves 10-15% compared to buying each policy separately.
What happens if a customer gets hurt on my lot? Your garage liability policy covers bodily injury claims from customers, visitors, and other third parties on your premises. Make sure your limits are high enough to handle a serious injury claim, which can easily reach $500,000 or more.
Boat and Watercraft Coverage for Weekend Adventures
Your homeowners policy might cover a small kayak or canoe, but anything with a motor typically needs its own policy. Boat insurance covers physical damage to the vessel, liability for injuries or property damage you cause on the water, and sometimes towing and salvage costs.
Lake-specific risks differ from coastal ones. A boat kept at Myrtle Beach faces saltwater corrosion, hurricane exposure, and higher theft rates than one stored at a private dock on Lake Wateree. Your policy should reflect where you keep and operate the boat. An independent agency like CSP Insurance Services can compare quotes across multiple marine carriers to find coverage that actually matches your boating habits rather than forcing you into a one-size-fits-all plan.
Boat and Watercraft Coverage for Weekend Adventures
Your homeowners policy might cover a small kayak or canoe, but anything with a motor typically needs its own policy. Boat insurance covers physical damage to the vessel, liability for injuries or property damage you cause on the water, and sometimes towing and salvage costs.
Lake-specific risks differ from coastal ones. A boat kept at Myrtle Beach faces saltwater corrosion, hurricane exposure, and higher theft rates than one stored at a private dock on Lake Wateree. Your policy should reflect where you keep and operate the boat. An independent agency like CSP Insurance Services can compare quotes across multiple marine carriers to find coverage that actually matches your boating habits rather than forcing you into a one-size-fits-all plan.
| Feature | Admitted (Standard) Carriers | Non-Admitted (E&S) Carriers |
|---|---|---|
| State regulation | Fully regulated; rates filed with state | Exempt from rate filing; flexible pricing |
| Guaranty fund protection | Yes: state fund covers claims if carrier fails | No: no guaranty fund backstop |
| Policy forms | Standardized (ISO forms common) | Manuscript or custom forms |
| Risk appetite | Prefers low-to-moderate risk | Accepts high-risk and unusual exposures |
| Premium cost | Generally lower | Typically 20-75% higher |
| Surplus lines tax | Not applicable | Buyer pays state surplus lines tax (varies 2-5%) |
| Speed of placement | Standard timelines | Can be faster or slower depending on complexity |
Does this cover me if a hacker steals my data?
Not exactly. Crime insurance covers financial theft, like funds transferred fraudulently. Data breaches and the costs associated with them (notification, credit monitoring, regulatory fines) fall under cyber liability insurance. Some overlap exists with computer fraud coverage, but a standalone cyber policy is the right tool for data-related incidents. The FBI found that 85% of cybercrime losses in 2025 traced back to human error, which underscores why both crime and cyber policies matter.
Making the Right Choice for Your Dealership
Getting your insurance right isn't about buying the cheapest policy: it's about building a program that matches the actual risks your dealership faces. A trailer dealer in Columbia has different exposures than one on the coast, and a sales-only lot needs different coverage than a full-service shop with six bays and a dozen employees.
The insurance industry's 2026 trends point toward rising replacement costs and tighter underwriting standards, which means locking in the right coverage now matters more than waiting. South Carolina's storm exposure alone makes this a state where underinsurance can be catastrophic.
Working with an independent agency gives you access to multiple carriers and objective comparisons, rather than being locked into whatever one company happens to offer. CSP Insurance Services has been helping South Carolina businesses build the right coverage since 1939, and their team can walk you through the specific options for trailer dealerships without the runaround of call centers or automated systems. If you're ready to see what proper coverage looks like for your operation, request a quote and get a real person on the other end of the conversation.
About the author
Lawson Walker, CIC
I'm proud to be part of an agency that's served Florence since 1939. CSP Insurance Services started as Cormell-Streett & Patterson, built by people who believed insurance should be personal — and more than eight decades later, that conviction still drives everything we do. Commitment, Service, Protection isn't just what CSP stands for; it's how I approach every client relationship.
As an independent, Trusted Choice agency, we aren't tied to any single carrier. That means I work for you — shopping multiple companies to match you with coverage that actually fits your family, your business, and your budget. No call centers, no chatbots. Just a local expert who takes the time to understand what matters to you and stands by you when it counts.
Whether you're protecting your home, your car, or a business you've spent years building, I'd be glad to help you find the right coverage.
We compare several carriers to find a policy that fits you, not one company's products.
◆
80+ years local experience
1939
Serving SC
Most Requested
Core business coverage.
The policies most South Carolina businesses start with.
Commercial Property
Protect the building, equipment, and inventory your business runs on, so a covered fire, theft, or storm doesn’t become a closed door.
Workers Compensation
Required for most South Carolina employers with staff. It covers medical bills and lost wages when an employee is hurt on the job.
Commercial Auto
Cars, trucks, and fleets used for work need more than a personal policy. This handles liability, damage, and your drivers.
General Liability
Accidents happen on the job and on your property. General liability covers third-party injury and property damage claims against your business.
Inland Marine
Tools, equipment, and goods on the move aren’t covered by standard property policies. Inland marine protects them wherever they travel.
Business Owners (BOP)
A business owners policy bundles property and liability coverage into one package, often at a better price for small businesses.
We compare several carriers to find a policy that fits you, not one company's products.
◆
80+ years local experience
1939
Serving SC
Insurance Sales
J. Roger Jordan, CIC
[CONFIRM bio]
Personal Insurance
Coverage for your home, vehicles, and family.
Protect what matters most with personal policies shopped across our carriers.
Home
Your house is likely your largest investment. Home insurance helps rebuild after covered damage and protects you from liability.
Auto
South Carolina drivers need real protection. Auto coverage handles liability, collision, medical costs, and uninsured drivers.
Umbrella
When a serious claim climbs past your home or auto limits, umbrella coverage adds an extra layer of liability protection.
Boat
Time on the water should be worry-free. Boat coverage protects your vessel, your passengers, and your liability on the lake or coast.
Motorcycle
Riders need coverage built for the road. Motorcycle insurance protects your bike, your gear, and you after an accident.
Condo
Your association covers the building, but not what’s inside. Condo insurance protects your belongings, improvements, and liability.
We compare several carriers to find a policy that fits you, not one company's products.
◆
80+ years local experience
1939
Serving SC
Insurance Sales
J. Roger Jordan, CIC
[CONFIRM bio]
Boat
Your association covers the building, but not what’s inside. Condo insurance protects your belongings, improvements, and liability.
Time on the water should be worry-free. Boat coverage protects your vessel, your passengers, and your liability on the lake or coast.
Condo
Motorcycle
Riders need coverage built for the road. Motorcycle insurance protects your bike, your gear, and you after an accident.
Industries We Serve
Specialized coverage for your industry.
Every industry carries its own risk. We help South Carolina businesses protect what they've built.
Restaurants
Kitchens, customers, and staff create daily exposure. We protect your property, equipment, liquor liability, and employees.
Manufacturers
From equipment breakdown to product liability, manufacturers face risk on the floor and beyond. We help cover property, machinery, and goods.
Healthcare Providers
Practices and clinics carry patient, property, and professional risk. We help cover liability, equipment, and the people who run your practice.
We compare several carriers to find a policy that fits you, not one company's products.
◆
80+ years local experience
1939
Serving SC
Commercial Property
Protect the building, equipment, and inventory your business runs on, so a covered fire, theft, or storm doesn’t become a closed door.
Commercial Auto
Cars, trucks, and fleets used for work need more than a personal policy. This handles liability, damage, and your drivers.
How It Works
Getting covered is simple.
Four steps, one real person from start to finish.
We compare carriers
We shop options across our carriers to find strong protection at a fair price.
We compare several carriers to find a policy that fits you, not one company's products.
Multi-carrier choice
Claims advocacy
When a claim happens, we stand in your corner and help move it forward with your carrier.
Local SC roots
We live and work in Florence and understand the risks your community faces because we face them too.
Client Reviews
Why clients choose CSP.
Independent advice, real people, and decades of local roots.
We compare several carriers to find a policy that fits you, not one company's products.
◆
80+ years local experience
1939
Serving SC
Insurance Sales
J. Roger Jordan, CIC
[CONFIRM bio]
Boat
Your association covers the building, but not what’s inside. Condo insurance protects your belongings, improvements, and liability.
Time on the water should be worry-free. Boat coverage protects your vessel, your passengers, and your liability on the lake or coast.
Condo
Motorcycle
Riders need coverage built for the road. Motorcycle insurance protects your bike, your gear, and you after an accident.
FAQs
Questions, answered.
Straight answers about working with an independent agency.
What does an independent insurance agency do?
An independent agency represents several carriers instead of one. We compare coverage and pricing across companies, then recommend the policy that fits you best.
Do you cover both personal and business insurance?
Yes. CSP writes personal lines like home and auto, and commercial lines for businesses across South Carolina.
How long has CSP been in business?
CSP traces its roots to 1939, with more than 80 years serving South Carolina families and businesses.
Will I work with a real person?
Always. No call centers and no chatbots — you work with a local team member who knows your account.
Which areas do you serve?
We’re based in Florence and serve clients statewide, including Myrtle Beach, Rock Hill, and Columbia.
How do I get a quote?
Request a quote online, call us, or stop by the office. A real person will review your needs and follow up.
How It Works
Insurance tips & updates.
Plain-language guidance to help you make confident decisions.
We compare several carriers to find a policy that fits you, not one company's products.
◆
80+ years local experience
1939
Serving SC
Insurance Sales
J. Roger Jordan, CIC
[CONFIRM bio]
Boat
Your association covers the building, but not what’s inside. Condo insurance protects your belongings, improvements, and liability.
Time on the water should be worry-free. Boat coverage protects your vessel, your passengers, and your liability on the lake or coast.
Condo
Motorcycle
Riders need coverage built for the road. Motorcycle insurance protects your bike, your gear, and you after an accident.
Get a Quote
Let's find your coverage.
Tell us a little about what you need to protect. A real person from our Florence team will review it and follow up.
2420 Hoffmeyer Road, Suite D
Florence, SC 29501
Mon–Fri 8:30am – 5:00pm