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.
◆
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.
South Carolina's roads are a mixed bag for motorcyclists. You've got gorgeous coastal rides along Highway 17, winding mountain routes near Caesars Head, and then the reality of summer thunderstorms, distracted tourist traffic, and some of the highest accident fatality rates in the Southeast. Understanding motorcycle insurance as a South Carolina resident means knowing not just what the state requires, but what actually protects you when things go wrong. And things do go wrong: the state has consistently recorded over 100 motorcycle fatalities annually, a number that should make any rider take coverage seriously.
The costs, coverage options, and risks here are specific to the Palmetto State. What works for a rider in Ohio or Texas won't necessarily fit someone commuting through Columbia or cruising the Grand Strand. This guide breaks down the laws, coverage types, pricing factors, and common questions so you can make a genuinely informed decision about protecting yourself and your bike.
South Carolina Motorcycle Insurance Laws and Requirements
South Carolina law is clear: you cannot legally operate a motorcycle on public roads without liability insurance. The state treats motorcycles like any other motor vehicle for insurance purposes, which means the same minimum auto liability requirements apply. Riding without proof of insurance can result in fines, license suspension, and impoundment of your bike.
One detail that catches people off guard is that South Carolina uses a fault-based system for accidents. If you cause a crash, your liability insurance pays for the other party's injuries and property damage. If someone else is at fault, you'd file a claim against their insurance. This makes your coverage choices especially important because you're relying on other drivers to carry adequate insurance too, and many don't.
Mandatory Minimum Liability Limits
The state requires 25/50/25 liability coverage. That breaks down to $25,000 for bodily injury per person, $50,000 for bodily injury per accident, and $25,000 for property damage per accident. These are minimums, and honestly, they're low. A single ER visit after a serious motorcycle collision can easily exceed $25,000, leaving you personally responsible for the difference if you only carry the state minimum.
Most experienced riders and insurance professionals recommend at least 50/100/50 or even 100/300/100 if you have assets worth protecting. The premium difference between minimum and higher limits is often surprisingly small, sometimes just $10 to $20 per month.
Uninsured Motorist Coverage Rules
South Carolina requires insurers to offer uninsured motorist (UM) coverage, and you must actively reject it in writing if you don't want it. This is one of the smartest features of SC insurance law. Roughly one in eight drivers nationwide is uninsured, and in some South Carolina counties, the rate is higher. UM coverage pays your medical bills and damages when the at-fault driver has no insurance or not enough of it.
Given how vulnerable motorcyclists are compared to someone inside a car, skipping UM coverage is a gamble most riders shouldn't take. It's one of the most cost-effective add-ons available.
Helmet and Eye Protection Mandates
South Carolina only requires helmets for riders under 21. If you're 21 or older, wearing a helmet is your choice. Eye protection, however, is required for all riders unless the motorcycle has a windscreen. Here's the catch that many riders don't realize: not wearing a helmet can affect your injury claim if you're in an accident. Defense attorneys and insurance adjusters may argue that your injuries would have been less severe with a helmet, potentially reducing your settlement.
There's also
pending legislation that could change helmet requirements in coming sessions, so staying informed matters.
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 |
Types of Coverage for Palmetto State Riders
Choosing the right coverage goes beyond just meeting state minimums. Your riding habits, the value of your bike, and where you live all factor into what makes sense.
Full Coverage vs. Liability Only
Liability-only covers damage you cause to others. Full coverage adds collision (damage to your bike from a crash) and comprehensive (theft, weather, vandalism, animal strikes). If you're financing or leasing your motorcycle, your lender will almost certainly require full coverage.
For riders who own their bikes outright, the decision depends on the bike's value. A 2008 Sportster worth $3,500 might not justify the cost of collision coverage with a $500 deductible. But a 2024 Indian Challenger worth $28,000? You'd be taking a serious financial risk without it. An independent agency like CSP Insurance Services can run quotes across multiple carriers to show you exactly where the cost-benefit line falls for your specific situation.
Custom Parts and Equipment Protection
If you've invested in aftermarket exhaust, custom paint, saddlebags, or performance upgrades, standard policies typically won't cover them at full value. You need a custom parts and equipment endorsement, sometimes called accessory coverage. Most policies offer $1,000 to $3,000 in standard accessory coverage, but riders with extensive modifications should look at policies offering $5,000 to $30,000 in custom parts protection.
Document everything: keep receipts, take photos, and maintain a list of modifications with their costs. This makes filing a claim dramatically smoother.
| 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
Comparison of Standard Coverage Options
Coverage Comparison Chart
| Coverage Type | What It Pays For | Required in SC? | Recommended For |
|---|---|---|---|
| Bodily Injury Liability | Other people's medical bills when you're at fault | Yes (25/50 minimum) | All riders |
| Property Damage Liability | Other people's property when you're at fault | Yes ($25,000 minimum) | All riders |
| Uninsured Motorist | Your injuries from uninsured/underinsured drivers | Offered; must reject in writing | All riders |
| Collision | Damage to your bike from a crash | No | Riders with bikes worth $5,000+ |
| Comprehensive | Theft, weather, vandalism, animal strikes | No | All riders (especially coastal SC) |
| Medical Payments | Your medical bills regardless of fault | No | Riders without strong hea |
| Custom Parts | Aftermarket accessories and modifications | No | Riders with $1,000+ in upgrades |
| Roadside Assistance | Towing, flat tire, lockout services | No | Touring and long-distance riders |
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 Influencing Your Monthly Premium
Your premium isn't pulled from thin air. Insurers use a mix of personal and geographic factors to calculate your rate. Age, riding experience, driving record, and the type of motorcycle you ride are the big ones. A 22-year-old on a Yamaha R1 is going to pay significantly more than a 45-year-old on a Honda Shadow, sometimes two to three times as much.
Credit history also plays a role in South Carolina. Insurers can use credit-based insurance scores, and riders with lower scores often see higher premiums. Your annual mileage matters too: a daily commuter logging 8,000 miles per year represents more risk than a weekend rider putting on 2,000.
South Carolina Geography and Weather Risks
Where you park your bike at night affects your rate more than you might expect. South Carolina has the highest motorcycle theft rate in the nation when adjusted for registered bikes, with peak theft months running July through September. Riders in urban areas like Columbia, Florence, and Myrtle Beach tend to see higher comprehensive premiums because of this.
Weather is another major factor. Coastal riders face hurricane season from June through November, and even inland areas deal with severe thunderstorms, hail, and flash flooding. A comprehensive policy with a reasonable deductible is practically essential if you ride in the Lowcountry or along the Grand Strand. Hail damage alone can total a motorcycle, and those storms don't always give much warning.
Available Discounts for SC Residents
Don't leave money on the table. Common motorcycle insurance discounts in South Carolina include:
- Motorcycle safety course completion (MSF courses can save 5-15%)
- Multi-policy bundling (adding your bike to an existing auto or home policy)
- Anti-theft device discounts (GPS trackers, disc locks, alarm systems)
- Paid-in-full discounts for annual premium payment
- Good driving record: no accidents or violations for three to five years
- Mature rider discounts for those over 25 or 50, depending on the carrier
Stacking two or three of these discounts can meaningfully reduce your annual cost. Because CSP Insurance Services works with multiple carriers rather than just one, they can identify which company offers the best discount combination for your profile, something a single-carrier agent can't do.
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 SC Riding Insurance
Do I need insurance if I only ride on weekends? Yes. South Carolina requires liability insurance anytime you operate a motorcycle on public roads, regardless of how often you ride. Some carriers offer seasonal or low-mileage discounts that can reduce your cost.
Can I ride without a helmet if I'm over 21? Legally, yes. But your helmet choice can impact injury claims if you're in an accident. Insurance adjusters may use it to argue comparative negligence.
Does my auto insurance cover my motorcycle? No. Motorcycles require a separate policy. Your auto liability does not extend to a motorcycle, and riding without a dedicated motorcycle policy means you're riding uninsured.
What happens if I let my motorcycle insurance lapse? South Carolina's DMV monitors insurance status electronically. A lapse can trigger fines, registration suspension, and a requirement to file an SR-22 to prove future coverage, which increases your rates.
Is comprehensive coverage worth it for an older bike? It depends on the bike's value and your situation. Given South Carolina's high theft rate and storm exposure, even riders with older bikes often find comprehensive coverage worthwhile, especially when deductibles are set at $500 or $1,000.
Are three-wheeled motorcycles covered the same way? Trikes and three-wheelers like the Can-Am Spyder follow the same insurance requirements as two-wheeled motorcycles in South Carolina, though premiums may differ based on the vehicle's value and safety profile.
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 Ride
Getting motorcycle insurance right in South Carolina means balancing legal requirements with real-world risk. The state minimums keep you legal, but they won't keep you financially whole after a serious accident. Between the high theft rates, coastal weather exposure, and the sheer number of uninsured drivers on SC roads, cutting corners on coverage is a decision that tends to age poorly.
Think about what you're actually protecting: not just the bike, but your ability to pay your bills, keep your home, and recover physically if something happens. Talk to someone who can compare options across carriers rather than just selling you one company's product. The team at CSP Insurance Services has been helping South Carolina residents find the right fit since 1939, and a quick conversation can clarify exactly what you need and what you don't.
If you're ready to see real numbers for your specific bike and situation, request a quote and get a side-by-side comparison without the pressure. Your ride deserves the right coverage behind it.
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