Palmetto State Insurance Agency, LLC

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Palmetto State Insurance Agency, LLC Business Insurance and Personal Insurance Protect your business with personalized coverage from Palmetto State Insurance.
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We fill the gaps, ensuring comprehensive protection for your unique needs.

When a covered loss hits your business, knowing how your insurance policy will reimburse you is crucial. The difference ...
10/15/2026

When a covered loss hits your business, knowing how your insurance policy will reimburse you is crucial. The difference between having actual cash value (ACV) and replacement cost value (RCV) coverage is significant and can affect how your business may respond after a loss.

Swipe through for a breakdown of both and what each one means for your bottom line.

If you want help determining whether you have ACV or RCV or would like to talk through how payout structures can impact your coverage, please don’t hesitate to reach out to our team. We are here to help.

Construction site theft is not a minor inconvenience. Nearly 1,000 pieces of construction equipment are reported stolen ...
10/15/2026

Construction site theft is not a minor inconvenience. Nearly 1,000 pieces of construction equipment are reported stolen every month, with the total annual losses ranging anywhere from $300 million to $1 billion.

Beyond the financial loss, theft and vandalism cause project delays, drive up insurance premiums, and damage your company's reputation with clients and stakeholders, making it crucial to have strategies in place to protect your site.

Swipe through for a practical breakdown of what you can do to protect your site before something goes wrong.

Have questions about how your current coverage protects against theft or would like to talk through adding additional coverages? Do not hesitate to reach out to our team. We are here to protect what you’ve worked so hard to build.

Starting a construction project? Understanding when your builder’s risk coverage begins and ends is key to avoiding cost...
10/14/2026

Starting a construction project? Understanding when your builder’s risk coverage begins and ends is key to avoiding costly gaps. Swipe through to learn when coverage should begin and when it can end.

Have questions about your current policy or need coverage for an upcoming project? Give us a call. We're here to help.

October is Fire Prevention Month, serving as a good reminder that fire safety is not something to put off until an emerg...
10/13/2026

October is Fire Prevention Month, serving as a good reminder that fire safety is not something to put off until an emergency happens. In the United States, one home structure fire is reported every 96 seconds, serving as a sobering reminder of the importance of fire safety.

So, that said, our team wanted to share a few practical tips worth reviewing this season:

⚫ Know the leading causes - Cooking and heating are the two leading causes of home fires in the United States. Never leave cooking unattended, keep flammable materials at least three feet from heat sources, and check electrical cords regularly for damage or fraying.

⚫ Check your smoke alarms - Test them monthly, replace batteries annually, and fully replace any alarm that is 10 or more years old.

⚫ Have an escape plan and practice it - Plan two ways to escape from every room, make sure all windows and doors open easily, and designate an outdoor meeting place.

⚫ Know how to use a fire extinguisher - Remember the acronym PASS: Pull the pin, Aim low at the base of the fire, Squeeze the handle slowly, and Sweep the nozzle side to side. If you are not confident, get out and call 911.

⚫ Build safer daily habits - Never leave portable heaters or fireplaces unattended, keep matches and lighters locked away from children, avoid overloading outlets, and turn off all appliances before leaving the house or going to bed.

Fire prevention is a shared responsibility, and a little preparation goes a long way. If you have further questions about fire safety, we encourage you to reach out to your local fire station.

And if you have any insurance questions or needs, please don’t hesitate to reach out to our team. We are here to help you.

Cyber threats are not just a concern for large corporations. In fact, small- and mid-sized businesses often face increas...
10/13/2026

Cyber threats are not just a concern for large corporations. In fact, small- and mid-sized businesses often face increased risk. This Cybersecurity Awareness Month, we are sharing a reminder of a few practical ways to strengthen your cyber defenses.

Of course, even with strong prevention measures in place, a cyber incident can still happen, and the cost of recovery can add up quickly. Having the right cyber liability coverage can help your business respond more effectively.

Have questions about cyber insurance or want to review your current coverage? Reach out to our team today.

Most homeowners or drivers have some form of homeowners and auto insurance; however, their coverage might not be enough ...
10/13/2026

Most homeowners or drivers have some form of homeowners and auto insurance; however, their coverage might not be enough to protect them in the event of a major claim.

When a serious accident or unexpected lawsuit exceeds what your existing policies can cover, the gap between what you owe and what your insurance pays becomes very real, very fast. That’s where umbrella liability coverage comes in.

Umbrella liability insurance covers costs that would otherwise come straight out of your pocket. With relatively low annual costs, this comprehensive coverage can be one of the most affordable ways to fully protect what you love.

So, if you’re curious about whether umbrella insurance makes sense for your situation, please don’t hesitate to reach out to our team. We are here to help you run the numbers and see what makes sense.

As crop insurance agents, we’ve seen firsthand how challenging it can be to find coverage that perfectly matches the nee...
10/12/2026

As crop insurance agents, we’ve seen firsthand how challenging it can be to find coverage that perfectly matches the needs of an individual producer’s land. A standard policy does not always account for the real differences among the acres, which can mean paying more or ending up underprotected where it matters most.

The High-Risk Alternate Coverage Endorsement (HR-ACE) was designed specifically for this situation. Swipe to see a few key features of this endorsement.

If you’re interested in pursuing the HR-ACE, note that it must be elected by the applicable sales closing date for your crop, so it is worth reviewing your options sooner rather than later to ensure you don't miss the window.

So, if you would like to talk through whether HR-ACE is a good fit for your operation, give us a call. We are happy to walk you through the options.

As the days get shorter, deer become much more active and are more likely to cross roadways — especially around dawn and...
10/08/2026

As the days get shorter, deer become much more active and are more likely to cross roadways — especially around dawn and dusk. For businesses with employees on the road, this seasonal increase can pose real safety risks and lead to vehicle downtime.

With that in mind, our team wants to share a few reminders to help keep your drivers, passengers, and business vehicles protected this fall.

So, if you're not sure what your current commercial auto policy includes or would like to review your business vehicle coverage this fall, feel free to reach out. We'd be happy to answer your questions and help you understand your options.

Fall is here, and between the busyness of the season and the end of the year fast approaching, it can be easy for things...
10/07/2026

Fall is here, and between the busyness of the season and the end of the year fast approaching, it can be easy for things to fall by the wayside. Amidst the rush, we want to remind you that we are always here whenever you need support.

Whether you have questions, need guidance, or just want to touch base, do not hesitate to reach out. We are always just a call away.

10/01/2026

Deese and Company, LLC has been nominated for Best Accounting Firm (1) + Best CPA (43) by Lexington Life magazine for 2027.

We would appreciate your votes. One can vote daily.

We would like to thank everyone for all of your support and entrusting our firm to handle your business + personal needs. 🗂️📈📄🖊️💰⏳🕰️

✅Voting ends Tuesday, December 15th. 🗳️🗳️🗳️

🔗Click the link to vote.

https://survey.alchemer.com/s3/8982247/Best-of-Lexington-Life-Magazine-2027-Official-Voting

Address

1720 N Lake Drive
Lexington, SC
29072

Opening Hours

Monday 8am - 5pm
Tuesday 8am - 5pm
Wednesday 8am - 5pm
Thursday 8am - 5pm
Friday 8am - 3pm

Telephone

+18037857742

Website

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