Insurance Solutions for South Carolina Families & Businesses
Simple, honest coverage with fast quotes and real support.
The Royal Palms Advantage
- Local South Carolina agency
- Fast quotes & fast COIs
- Multiple carriers for better pricing
- Honest guidance without the pressure
- Support for new businesses and startups
- Blue‑collar friendly communication
- Annual Coverage Review
- Risk Management Resources
- Renewal Strategy Meeting
- Claims Support & Guidance
Commercial Insurance
Our commercial insurance options are built for real‑world operations — whether you’re running a trade business, managing a storefront, or launching a new venture. We help you navigate coverage with confidence, offering fast quotes, fast COIs, and honest recommendations.
- General Liability
- Business Owner's Policy (BOP)
- Commercial Property
- Commercial Auto
- Workers' Compensation
- Inland Marine
- Umbrella
- Cyber Liability
- Professional Liability
- Surety Bonds
- Dealers Open Lot
- Garage Liability
Personal Insurance
For personal insurance, we make it simple to secure the essentials. Whether it’s your home, your car, or the things you’ve worked hard for, we provide coverage that fits your life without the confusion or pressure.
Home & Property
- Homeowners Insurance
- Condo Insurance
- Renters Insurance
- Landlord/Dwelling Fire Insurance
- Vacant Home Insurance
- Builder's Risk Insurance
- Manufactured/Mobile Home Insurance
Specialty Property
- Flood Insurance
- Excess Flood Insurance
- Wind & Hail Coverage
- Earthquake Insurance (where available)
- Hurricane Deductible Buyback (where available)
- Parametric Hurricane Insurance (if offered by your carrier)
Valuable Items
- Jewelry Insurance
- Scheduled Personal Property Coverage
- Fine Arts Insurance
- Collectibles Insurance
- Firearms Coverage
- Musical Instrument Insurance
- Camera & Photography Equipment Coverage
- Sports Equipment Coverage
- Article Floaters (Personal Articles Floater)
Recreational
- Boat Insurance
- Personal Watercraft Insurance (Jet Skis, WaveRunners)
- RV Insurance
Lifestyle
- Pet Insurance
- Identity Theft Protection
- Personal Cyber Protection
Additional Liability
- Personal Umbrella Insurance
- Personal Liability Coverage
- Excess Liability Coverage
Life Insurance
We also offer life insurance solutions that give families and business owners peace of mind. With clear explanations and flexible options, we help you choose protection that supports your long‑term goals.
Personal Protection
- Life Insurance
- Final Expense Insurance
- Disability Income Insurance
- Long-Term Care Insurance
- Accident Insurance
- Critical Illness Insurance
- Hospital Indemnity Insurance
Cannabis & CBD Insurance
For cannabis, CBD, and vape retailers, we provide specialized coverage tailored to the unique risks of the industry. Our experience in this space allows us to guide you through requirements and help you stay compliant.
- General Liability
- Commercial Property
- Business Owner's Policy (when available)
- Commercial Auto
- Workers' Compensation
- Product Liability
- Cyber Liability
- Crime Coverage
- Directors & Officers (D&O)
- Inland Marine
- Commercial Umbrella/Excess Liability (when available)
- Crop Coverage (for cultivators, where available)
- Product Recall Coverage
Policy Review
And for anyone already insured, we offer policy reviews to make sure you’re not overpaying or missing important coverage. Our goal is to give you clarity, confidence, and the support you deserve.
Commercial Insurance
- General Liability
- Business Owner's Policy (BOP)
- Commercial Property
- Commercial Auto
- Workers' Compensation
- Inland Marine
- Umbrella
- Cyber Liability
- Professional Liability
- Surety Bonds
Personal Insurance
- Homeowners
- Flood
- Condo
- Renters
- Landlord Property
- Personal Umbrella
- Valuable Articles & Jewelry
- Boat & Recreational Vehicles
- Life Insurance
During Your Review We Can Help:
- Explain your current coverage in plain language.
- Identify potential coverage gaps or overlaps.
- Review limits and deductibles.
- Discuss changes in your home, family, or business that may affect your insurance needs.
- Provide a no-obligation quote if you'd like to compare options.
New Businesses
For new business owners who aren’t sure where to start, we provide clear guidance to help you understand what coverage is required, what protection makes sense for your industry, and how to get fully set up without the stress.
How We Help New Businesses
- Business Insurance Guidance
- Free Current Policy Reviews
- General Liability & Commercial Insurance Quotes
- Workers' Compensation Guidance
- Surety Bond Assistance
- Business Compliance Support
- Mobile Notary Services
- I-9 Employment Verification
- Background Check Services
- Drug Testing Coordination
- Business Document Preparation
- Apostille Coordination
- Licensing & Registration Guidance
- Certificate of Insurance (COI) Assistance
- Risk Management Education
- Annual Insurance Reviews
- Referral Network for Trusted Local Professionals
- Ongoing Administrative Support
A Policy with Us Includes
Prompt Service & Communication
We respond quickly to questions, policy requests, and service needs because we know your business can't afford unnecessary delays.
Certificate of Insurance (COI) Assistance
Need a certificate for a customer, landlord, or job site? We provide prompt assistance with COI requests to help keep your projects and contracts moving.
Annual Coverage Review
At least once each year, we'll review your policy with you to help ensure your coverage continues to match your business as it grows and changes.
Ongoing Policy Support
Whether you're adding a vehicle, hiring an employee, changing locations, or purchasing new equipment, we're here to help with policy changes and answer coverage questions.
Claims Guidance
If you experience a loss, we'll help guide you through the claims process by explaining the next steps, assisting with claim reporting when appropriate, and serving as your point of contact throughout the process.
Personalized Risk Solutions
Every business is different. We take time to understand your operations and recommend insurance solutions designed to protect your business, employees, property, and future growth.
Who We Serve
Royal Palms Group supports South Carolina families, homeowners, contractors, tradespeople, small business owners, startups, and service professionals. Whether you’re running a crew, opening a storefront, or protecting your home and vehicles, we provide clear, honest guidance to help you get the coverage you need.
Frequently asked questions
What types of businesses do you work with?
We support contractors, tradespeople, small business owners, startups, storefronts, and service professionals across South Carolina. Whether you’re established or just getting started, we help you find the right coverage.
Can you help me figure out what insurance my new business needs?
Yes — if you’re launching a new company and aren’t sure where to start, we’ll walk you through the requirements, explain your options, and help you get fully set up with the right protection.
How long does it take to get a quote?
Most quotes are completed the same day. More complex commercial accounts may take a little longer, but we keep you updated every step of the way.
Do you work with multiple carriers?
Yes — we shop multiple carriers to compare pricing and coverage, so you get options that fit your needs and your budget.
Can you review my current policy?
Absolutely. We offer policy reviews to check for gaps, overcharges, or missing coverage. It’s a simple way to make sure you’re protected the right way.
Do you offer support after the policy is written?
Yes — we’re here for the long term. We help with changes, COIs, renewals, billing questions, and anything else you need throughout the life of your policy.
Do you work with personal insurance too?
Yes — we offer auto, home, renters, motorcycle, boat, and umbrella coverage for individuals and families.