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
A single hurricane season can reshape your financial life. One storm rips shingles off the roof, drives rain through the attic, and sends hail through every window on the east side of the house. Your standard homeowners policy might cover some of that, but there's a good chance it won't cover the wind damage at all, or it'll hit you with a deductible so high you're effectively self-insuring the first $20,000 or more. This is the reality for anyone living along the South Carolina coast, from Myrtle Beach down to Hilton Head, and increasingly for homeowners well inland too.
Understanding how wind and hail insurance works, what named-storm deductibles actually mean for your wallet, and how state wind pools function as a last resort: these aren't abstract topics. They're the difference between recovering from a storm and draining your savings to do it. Colorado State University's revised 2026 Atlantic hurricane forecast predicts 11 named storms, 5 hurricanes, and 2 major hurricanes, which means even a "quieter" season still carries real risk. If you own coastal property in South Carolina, this is the year to get your coverage right.
Understanding Wind and Hail Insurance Basics
Most people assume their homeowners insurance covers everything. It doesn't. Wind and hail coverage has become one of the most commonly excluded or separately deductible perils in coastal states, and South Carolina is no exception. The core issue is that insurers have taken massive losses from hurricanes and severe storms over the past two decades, and they've responded by either pulling out of high-risk markets or restructuring how wind damage gets paid for.
A wind and hail policy, whether it's built into your homeowners coverage or purchased separately, pays for damage caused specifically by wind-driven events: hurricanes, tropical storms, tornadoes, and hailstorms. The cost and structure of this coverage depend heavily on where your property sits relative to the coast.
The Difference Between Standard Perils and Excluded Wind Coverage
A standard HO-3 homeowners policy covers wind as a named peril. But many carriers writing policies in coastal South Carolina either exclude wind entirely or attach a separate, much higher deductible to wind and hail claims. This means you might have a $1,000 deductible for a kitchen fire but a $15,000 deductible for hurricane damage to the same house.
If your carrier excludes wind, you'll need a standalone wind and hail policy. This is common in zip codes within a few miles of the coast, particularly in Georgetown, Horry, and Charleston counties. The distinction matters because many homeowners don't realize wind is excluded until they file a claim.
Common Damage Covered by Coastal Policies
Coastal wind policies typically cover roof damage from high winds, broken windows and siding from wind-driven debris, hail damage to roofing materials and exterior surfaces, and structural damage caused by wind pressure. They also cover the contents inside your home if wind creates an opening that lets rain in. What they don't cover is flooding: that's a separate policy through the NFIP or a private flood insurer, and confusing the two is one of the most expensive mistakes homeowners make.
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 |
How Named-Storm and Hurricane Deductibles Work
Here's where things get expensive fast. Named-storm deductibles are separate from your standard policy deductible, and they only kick in when the National Weather Service officially names a storm. A regular thunderstorm with 70 mph winds? Your standard deductible applies. Hurricane Helene making landfall? Your named-storm deductible takes over, and it's almost always much larger.
Percentage-Based vs. Fixed Dollar Deductibles
Most named-storm deductibles in South Carolina are percentage-based, typically ranging from 1% to 5% of your home's insured value. On a home insured for $400,000, a 2% hurricane deductible means you're paying the first $8,000 out of pocket. A 5% deductible on that same home? That's $20,000 before your insurer pays a dime.
Some policies offer fixed-dollar deductibles instead, like $5,000 or $10,000 flat. These are easier to plan around but often come with higher premiums. The table below shows how these compare:
| Deductible Type | Home Value: $300,000 | Home Value: $500,000 | Predictability |
|---|---|---|---|
| 2% of insured value | $6,000 | $10,000 | Scales with home value |
| 5% of insured value | $15,000 | $25,000 | Scales with home value |
| Fixed $5,000 | $5,000 | $5,000 | Same regardless of value |
| Fixed $10,000 | $10,000 | $10,000 | Same regardless of value |
Triggers: When Does a Named-Storm Deductible Apply?
The trigger language in your policy is critical. Some policies apply the named-storm deductible only when a hurricane warning is issued for your county. Others apply it anytime a named tropical system causes damage in your area, even if it's been downgraded to a tropical storm or depression by the time it reaches you. South Carolina's Department of Insurance requires carriers to clearly disclose these triggers, but you need to read the declarations page carefully. A storm that makes landfall as a Category 1 in Charleston but hits Florence as a tropical storm could trigger different deductibles depending on your policy language.
Wind Pools and State-Backed FAIR Plans
When private insurers won't write wind coverage for a property, homeowners turn to state-created insurance pools. These are sometimes called wind pools, beach plans, or FAIR plans, and they exist specifically to provide coverage in areas the private market has abandoned.
The Role of Beach and Windstorm Insurance Plans
South Carolina's Wind and Hail Underwriting Association (SCWHUA) serves as the state's wind pool. It provides wind and hail coverage to properties in eligible coastal areas when private insurers decline to write it. The coverage isn't cheap, and it's typically more limited than what you'd get from a private carrier, but it exists so that homeowners aren't left completely uninsured. Neighboring states run similar programs: North Carolina's Beach Plan, for example, covers properties in 18 coastal counties where private wind coverage is hard to find.
Eligibility and the Residual Market for High-Risk Areas
You can't just choose to buy from the wind pool because it's convenient. These are residual market plans, meaning you must demonstrate that you've been turned down by private insurers first. In South Carolina, your agent typically needs to show evidence of declination from the voluntary market before placing you in the SCWHUA. An independent agency like CSP Insurance Services can be especially helpful here, since they work with multiple carriers and can document the declination process while also checking whether any private options remain available.
The residual market has been growing. As carriers pull back from coastal exposure across the Southeast, property owners in states like Mississippi face sharp insurance rate increases in 2026, pushing more homeowners toward state-backed plans.
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 |
Comparison: Standard Homeowners vs. Specialized Wind Coverage
Understanding the gap between your regular homeowners policy and a dedicated wind and hail policy can save you from a nasty surprise during claims season.
| Feature | Standard Homeowners (HO-3) | Separate Wind & Hail Policy |
|---|---|---|
| Wind coverage | Included (may be excluded in coastal zones) | Dedicated wind/hail only |
| Deductible | Flat dollar (e.g., $1,000) | Percentage-based (1-5% of dwelling value) |
| Flood coverage | Not included | Not included |
| Carrier | Private insurer | State wind pool or specialty carrier |
| Availability | Limited in high-risk coastal areas | Designed for high-risk coastal areas |
| Premiums | Lower (if wind is excluded) | Can be substantial |
The key takeaway: if you're within a few miles of the South Carolina coast, you likely need both a homeowners policy and a separate wind policy. Treating them as one thing is how coverage gaps happen.
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.
How to Lower Your Wind and Hail Premiums
Premium costs for coastal wind coverage can be staggering, but there are concrete ways to bring them down. Roof upgrades are the single biggest lever: a hip roof with hurricane straps and impact-resistant shingles can reduce wind premiums by 15-30% in many cases. South Carolina offers a wind mitigation credit program, and getting a certified wind mitigation inspection is one of the best investments you can make.
Opening protection matters too. Installing hurricane shutters or impact-rated windows signals to insurers that your home can withstand wind-borne debris. Even something as straightforward as upgrading your garage door to a wind-rated model can help. Ask your agent specifically which mitigation features your carrier rewards, because they vary.
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 |
Common Questions About Coastal Wind Coverage
Homeowners across South Carolina tend to ask the same questions, especially after a close call with a tropical system. Here are the ones that come up most often.
Does my regular homeowners policy cover hurricane damage? It depends on your location and carrier. Many coastal policies exclude wind or apply a separate, higher deductible for named storms. Check your declarations page or call your agent.
What's the difference between a hurricane deductible and a named-storm deductible? A hurricane deductible applies only when a hurricane warning is issued. A named-storm deductible is broader and can apply to any named tropical system, including tropical storms and depressions.
Can I buy wind coverage if I'm 30 miles inland? Yes, and you probably already have it included in your homeowners policy. Separate wind policies are primarily needed in designated coastal zones, though hail damage can happen anywhere in South Carolina.
How do I know if I need the state wind pool? If private carriers decline to write wind coverage for your property, your agent can place you in the SCWHUA. You'll need documentation of the declination.
Is flood damage covered under my wind policy? No. Wind and flood are always separate coverages. Storm surge from a hurricane is flood, not wind, and requires a separate flood insurance policy.
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.
Filing a Wind or Hail Claim: What to Expect
After a storm, document everything before you touch anything. Take photos and video of all damage from multiple angles. Cover any openings with tarps to prevent further water intrusion, and keep receipts for emergency repairs: your policy typically reimburses reasonable temporary fixes.
Contact your insurer as soon as possible. After a major named storm, adjusters are overwhelmed, and claims can take weeks to process. Having a detailed inventory of your belongings and knowing your policy's deductible structure before the storm hits saves enormous headaches. One common mistake: homeowners assume the contractor's estimate is what the insurer will pay. Get your own adjuster or public adjuster involved if the initial settlement seems low.
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 |
South Carolina-Specific Wind and Hail Regulations
South Carolina has several consumer protections worth knowing about. The SC Department of Insurance requires insurers to clearly disclose named-storm deductible triggers in policy documents. Carriers must also provide a separate notice explaining how percentage-based deductibles work before binding coverage. Alabama has implemented similar consumer protections for coastal property owners, and South Carolina's framework is among the more detailed in the Southeast.
The state also mandates that wind mitigation discounts be made available to homeowners who retrofit their properties. If your insurer isn't offering these credits, that's worth a conversation with your agent or a complaint to the SC DOI.
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.
Mistakes That Cost Coastal Homeowners Thousands
The most expensive mistake is assuming you're covered when you're not. I've seen homeowners with $500,000 homes carry a 5% named-storm deductible without realizing they'd owe $25,000 out of pocket before insurance kicks in. Another common error: letting a wind policy lapse because "hurricane season is over." Severe windstorms and hail events happen year-round in South Carolina.
Skipping flood insurance because you have wind coverage is another costly misstep. Storm surge, which is technically flooding, caused more dollar damage than wind in several recent hurricanes. If you're in a coastal area, you likely need wind, flood, and homeowners coverage working together. An agency like CSP Insurance Services, which has been helping South Carolina families since 1939, can review all three layers and identify gaps before a storm finds them for you.
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 |
Your Next Steps for Securing Coastal Property
Getting your wind and hail coverage right isn't something you do once and forget. Review your policy annually, especially before June 1 when hurricane season begins. Check your named-storm deductible, confirm your dwelling coverage reflects current rebuilding costs (construction costs have risen significantly since 2020), and make sure you haven't let any wind mitigation credits expire.
If you're unsure whether your current policy actually covers wind damage, or if your deductible is higher than you can comfortably afford, now is the time to fix it. An independent agent who works with multiple carriers can compare options and find coverage that fits both your risk profile and your budget. The team at CSP Insurance Services works with homeowners across South Carolina's coast and inland areas to build coverage that holds up when it matters most. Request a quote to get a personalized review of your wind, hail, and storm coverage before the next system spins up in the Atlantic.
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