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 warehouse fire, a forklift accident, or a contaminated shipment can cost a wholesale distributor hundreds of thousands of dollars before the week is out. And yet, plenty of wholesale businesses across South Carolina are running on bare-minimum coverage, trusting that a basic policy will somehow handle the full range of risks that come with storing, moving, and distributing goods at scale. This guide to wholesaler insurance covers the policies that actually matter: general liability, workers comp, commercial auto, and the industry-specific riders that separate adequate protection from real peace of mind. Whether you're distributing building materials out of Florence or running a cold-chain food operation near Myrtle Beach, the right coverage mix depends on what you're moving, how you're moving it, and who's doing the work. Getting this wrong isn't just expensive; it can end a business. The good news? Commercial insurance rates have been declining for eight consecutive quarters, with global composite rates dropping 6% in Q2 2026 alone. That means wholesalers shopping for coverage right now have more negotiating power than they've had in years. But lower premiums don't help if you're buying the wrong policies.
Core Insurance Policies Every Wholesaler Needs
Every wholesale operation shares a few fundamental risks, regardless of what's on the pallets. You're handling inventory someone else is counting on. You've got people operating heavy equipment. Trucks are on the road. These three exposures demand three non-negotiable policies, and skipping any one of them leaves a gap big enough to sink the business.
General Liability and Product Liability
General liability covers the basics: someone slips on your warehouse floor, your delivery driver damages a client's loading dock, or a visitor gets hurt on your property. For most South Carolina wholesalers, a $1 million per-occurrence / $2 million aggregate GL policy is the starting point, though your lease or vendor contracts may require higher limits.
Product liability is where things get more interesting. If a product you distribute causes injury or property damage, you can be held liable even if you didn't manufacture it. Product recall activity has been increasing amid shifting regulatory enforcement, which means distributors are catching more of the downstream liability. A separate product liability policy, or an endorsement on your GL, is essential if you're distributing anything consumers touch directly: food, electronics, building materials, or health products.
Workers Compensation for Warehouse and Logistics Staff
South Carolina requires workers comp for businesses with four or more employees, but even operations with smaller crews should carry it. Warehouse work is physically demanding. Forklifts, pallet jacks, repetitive lifting, and loading docks create injury exposure every shift.
A workers comp claim for a back injury can easily run $50,000 to $100,000 when you factor in medical treatment, lost wages, and rehabilitation. Without coverage, that comes straight out of your pocket. South Carolina's workers comp system is administered through the SC Workers' Compensation Commission, and premiums are based on your payroll, job classifications, and claims history. Keeping a clean safety record isn't just good practice; it directly lowers your rates over time through experience modification factors.
Commercial Auto for Delivery Fleets
If your business owns or operates vehicles, 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 minimums are dangerously low for commercial operations. A single serious accident involving a loaded delivery truck can generate claims well into six figures.
Commercial auto insurance costs have been climbing steadily due to rising repair costs and larger jury awards, so this is one area where shopping across multiple carriers makes a real difference. An independent agency like CSP Insurance Services can pull quotes from several insurers to find competitive rates without sacrificing the coverage limits you actually need. Most wholesalers carrying $1 million in combined single-limit coverage sleep a lot better than those running on state minimums.
Your CSP agent
Lawson Walker, CIC
Insurance Sales
On this page
CSP Insurance Services is a fully licensed independent insurance agency serving individuals, families, and businesses across South Carolina.
From our home in Florence, we proudly serve clients in Florence, Myrtle Beach, Rock Hill, Columbia, and communities throughout South Carolina. As an independent Trusted Choice agency, our team works with a wide range of top-rated carriers to provide personal and commercial coverage — home, auto, business, life, and more — tailored to the real needs of the people and businesses we protect.
Boat and Watercraft Coverage for Weekend Adventures
Your homeowners policy might cover a small kayak or canoe, but anything with a motor typically needs its own policy. Boat insurance covers physical damage to the vessel, liability for injuries or property damage you cause on the water, and sometimes towing and salvage costs.
Lake-specific risks differ from coastal ones. A boat kept at Myrtle Beach faces saltwater corrosion, hurricane exposure, and higher theft rates than one stored at a private dock on Lake Wateree. Your policy should reflect where you keep and operate the boat. An independent agency like CSP Insurance Services can compare quotes across multiple marine carriers to find coverage that actually matches your boating habits rather than forcing you into a one-size-fits-all plan.
| Feature | Admitted (Standard) Carriers | Non-Admitted (E&S) Carriers |
|---|---|---|
| State regulation | Fully regulated; rates filed with state | Exempt from rate filing; flexible pricing |
| Guaranty fund protection | Yes: state fund covers claims if carrier fails | No: no guaranty fund backstop |
| Policy forms | Standardized (ISO forms common) | Manuscript or custom forms |
| Risk appetite | Prefers low-to-moderate risk | Accepts high-risk and unusual exposures |
| Premium cost | Generally lower | Typically 20-75% higher |
| Surplus lines tax | Not applicable | Buyer pays state surplus lines tax (varies 2-5%) |
| Speed of placement | Standard timelines | Can be faster or slower depending on complexity |
| Feature | Basic Liability Only | Full Coverage |
|---|---|---|
| Bodily injury liability | State minimum (25/50) | Higher limits (100/300+) |
| Property damage liability | $25,000 | $100,000+ |
| Collision (your vehicle) | Not included | Included |
| Comprehensive (theft, weather) | Not included | Included |
| Uninsured motorist | Optional | Typically included |
| Rental car reimbursement | Not included | Often included |
| Typical annual cost (SC) | $600-$900 | $1,400-$2,200 |
The price difference is real, but so is the coverage gap. If you're financing or leasing a vehicle, your lender will require full coverage anyway.
| Feature | HMO | PPO | HDHP with HSA |
|---|---|---|---|
| Network Flexibility | Must use in-network providers; referrals needed | In-network and out-of-network options | Broad network; works like PPO |
| Monthly Premiums | Lowest | Highest | Moderate |
| Out-of-Pocket Costs | Low copays | Moderate copays/coinsurance | High deductible before coverage kicks in |
| Best For | Employees who want low costs and don't mind restrictions | Employees who want provider choice | Younger, healthier employees; tax-savvy savers |
| HSA Eligible | No | No | Yes |
Industry-Specific Risks and Specialized Coverage
The policies above form your foundation, but wholesale distribution has risks that standard business insurance simply doesn't address. Cargo in transit, goods stored on behalf of others, and temperature-sensitive inventory all require specialized riders or standalone policies.
Cargo and Inland Marine Insurance
Your commercial auto policy covers your trucks. It does not cover what's inside them. Cargo insurance protects the goods you're transporting against theft, collision damage, fire, and other perils while in transit. Inland marine insurance extends this concept to goods moving between locations or stored at temporary sites.
For a wholesaler shipping $200,000 worth of electronics from a Columbia warehouse to retailers across the Midlands, losing a single truckload without cargo coverage would be devastating. Policies are typically written on a per-shipment or annual basis, with limits matching your highest-value loads. If you're using third-party carriers, verify their cargo coverage and consider excess policies to fill any gaps.
Warehouse Legal Liability
Standard property insurance covers goods you own. But what about inventory you're storing for someone else? Warehouse legal liability covers damage to third-party goods in your care, custody, and control. If a sprinkler system malfunction destroys a client's inventory in your facility, your general liability policy likely won't cover it, and your property policy definitely won't since you don't own the goods.
This coverage is especially important for wholesalers operating as third-party logistics providers or offering consignment storage. Limits should reflect the maximum value of customer goods you hold at any given time.
Spoilage and Food Contamination Riders
Food and beverage wholesalers face a unique set of risks. A power outage lasting 12 hours can spoil an entire cold storage facility's contents. A contamination event can trigger recalls, lawsuits, and regulatory action simultaneously. Standard property policies often exclude or severely limit spoilage losses.
Spoilage riders cover the value of perishable inventory lost due to equipment breakdown, power failure, or refrigerant leaks. Food contamination liability goes further, covering recall expenses, disposal costs, and third-party bodily injury claims. Given that food recall insurance has become a critical concern for manufacturers and distributors alike, any wholesaler handling perishables should treat these riders as mandatory, not optional.
| Feature | Basic Coverage | Extended Coverage |
|---|---|---|
| Liability | State minimums (25/50/25 in SC) | $500K-$1M+ limits |
| Collision | Often excluded or high deductible | Included with lower deductible |
| Comprehensive | May be excluded | Included (theft, weather, vandalism) |
| HNOA | Not included | Typically included |
| Uninsured Motorist | State minimum only | Higher limits available |
| Roadside/Towing | Not included | Available as add-on |
| Rental Reimbursement | Not included | Available as add-on |
For a restaurant owner in Florence with one delivery vehicle, basic coverage might seem sufficient. But if that driver causes a serious injury, the state minimum liability won't come close to covering the medical bills and legal costs. Extended coverage costs more upfront but prevents the kind of catastrophic out-of-pocket expense that closes businesses.
Comparing Coverage: Basic vs. Comprehensive Protection
Most wholesalers start with a Business Owner's Policy, which bundles general liability and commercial property into a single package at a lower cost than buying them separately. A BOP works fine for small operations with straightforward risk profiles. But as your business grows, a BOP's built-in limits and exclusions start to pinch.
Comparison Table: Standard BOP vs. Custom Wholesale Packages
| Coverage Feature | Standard BOP | Custom Wholesale Package |
|---|---|---|
| General Liability | Included (typically $1M/$2M) | Included with higher limit options |
| Commercial Property | Included (basic perils) | Broader perils, higher sublimits |
| Product Liability | Limited or excluded | Standalone policy or full endorsement |
| Cargo / Inland Marine | Not included | Added per shipment value |
| Warehouse Legal Liability | Not included | Tailored to stored inventory valu |
| Spoilage / Contamination | Not included | Rider based on perishable inventory |
| Commercial Auto | Not included | Separate policy, fleet-rated |
| Cyber Liability | Rarely included | Available; critical for digital operations |
| Umbrella / Excess | Not included | $1M-$5M+ excess layers |
| Typical Annual Cost | $1,200 - $3,500 | $5,000 - $25,000+ |
Small wholesalers with annual revenue under $500,000 and no fleet can often start with a BOP and add endorsements as needed. Larger operations, especially those handling perishables or high-value goods, need custom packages built around their specific exposures. The cost difference is real, but so is the coverage gap. Average wholesaler insurance costs
range significantly based on revenue, inventory value, and claim history, so there's no one-size-fits-all number.
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
Your premiums aren't arbitrary. Insurers price wholesale distribution policies based on a handful of concrete factors. Understanding them gives you some control over what you pay.
Annual revenue and payroll size are the starting points. Higher numbers mean more exposure, which means higher premiums. The type of goods you distribute matters enormously: a building materials wholesaler pays different rates than a pharmaceutical distributor. Your claims history over the past three to five years directly affects your experience modification rate, which can push premiums up or down by 25% or more.
Location plays a role too. South Carolina's coastal counties face hurricane and flood exposure that inland areas don't, and insurers price accordingly. A warehouse in Myrtle Beach will typically carry higher property premiums than an identical facility in Rock Hill. Your safety programs, employee training records, and loss prevention measures can all earn credits that reduce your rates. Working with an independent agency that understands these variables, like CSP Insurance Services with its 80-plus years of industry knowledge, means someone is actively looking for those credits on your behalf rather than just quoting a standard rate.
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 Wholesaler Insurance
FAQ: Coverage Limits, State Laws, and Cost Savings
How much general liability coverage does a wholesaler need? Most wholesalers carry $1 million per occurrence and $2 million aggregate as a baseline. If you distribute products directly to consumers or hold large contracts, $2 million per occurrence with a $5 million umbrella is more appropriate.
Is workers comp required in South Carolina? Yes, for businesses with four or more employees. Sole proprietors and partners can exempt themselves but cannot exempt eligible employees.
Can I bundle all my wholesale coverage into one policy? A BOP bundles property and GL, but commercial auto, cargo, and specialty coverages require separate policies. A good agent packages them together for billing convenience while ensuring no gaps exist.
How do I lower my commercial auto premiums? Install telematics, enforce driver training programs, maintain clean MVR records for all drivers, and increase your deductible if cash flow allows. Fleet discounts kick in at three or more vehicles with most carriers.
Does my landlord's insurance cover my inventory? No. Your landlord's policy covers the building structure. Your inventory, equipment, and business personal property need your own commercial property policy.
What about cyber liability for wholesalers? If you process orders digitally, store customer data, or use connected warehouse management systems, cyber liability is worth adding. Supply chain cyber threats have been growing in both frequency and sophistication, and a data breach or ransomware attack can halt operations entirely.
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 Distribution Business
Wholesale insurance isn't a single product. It's a stack of policies, each covering a different slice of your risk. The biggest mistake most distributors make is assuming a basic package handles everything, then discovering the gaps after a loss. General liability, workers comp, and commercial auto form the foundation. Cargo coverage, warehouse legal liability, and spoilage riders fill the gaps that matter most for your specific operation.
The current market favors buyers, with commercial rates trending downward, so 2026 is a smart year to review your coverage and shop for better terms. An independent agency can compare options across multiple carriers and build a program tailored to your operation, whether you're running a two-truck outfit or a multi-location distribution network across South Carolina.
If you're unsure whether your current coverage matches your actual exposure, CSP Insurance Services can walk you through a no-pressure review.
Request a quote to see where you stand and what a properly structured wholesale insurance program looks like for your business.
About the author
Lawson Walker, CIC
I'm proud to be part of an agency that's served Florence since 1939. CSP Insurance Services started as Cormell-Streett & Patterson, built by people who believed insurance should be personal — and more than eight decades later, that conviction still drives everything we do. Commitment, Service, Protection isn't just what CSP stands for; it's how I approach every client relationship.
As an independent, Trusted Choice agency, we aren't tied to any single carrier. That means I work for you — shopping multiple companies to match you with coverage that actually fits your family, your business, and your budget. No call centers, no chatbots. Just a local expert who takes the time to understand what matters to you and stands by you when it counts.
Whether you're protecting your home, your car, or a business you've spent years building, I'd be glad to help you find the right coverage.
We compare several carriers to find a policy that fits you, not one company's products.
◆
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