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Scott H. Richardson, CPCU

Hilton Head


  • 35+ years’ experience in the insurance industry
  • CPCU designation
  • Bachelor of Arts in Psychology (Cum Laude) from the University of Tennessee


  • Commercial Insurance
  • Risk Management
  • Personal Insurance



Scott Richardson, CPCU has more than 35 years’ experience in the insurance field, serving on both the governmental regulatory and the independent agency sides of the business.
Scott began his insurance career in 1978 as a broker with The Carswell Agency on Hilton Head. He was elected to South Carolina’s House of Representatives in 1992 and to the State Senate in 2000. In 2007 Richardson was appointed by the Governor as Director of Insurance for the State of South Carolina and is credited with bringing private insurers back to the South Carolina coastal market, thereby preventing cancellations of more than 35,000 homeowner policies during the post-Katrina insurance crisis.
Scott also gained national attention for developing a plan to expedite insurance claims after major coastal storm and hurricane catastrophes. This system was included by U.S. Senator Wicker of Mississippi in the 2012 renewal of the Federal Flood Insurance Program under FEMA.
A frequent speaker and panel member on numerous national insurance forums, Scott has appeared at U.S. Treasury hearings and meets regularly with Congressional Members on insurance issues.
He holds the Chartered Property and Casualty Underwriter (CPCU) professional designation and earned a Bachelor of Arts in Psychology (Cum Laude) from the University of Tennessee.
An active supporter of his community, Scott has volunteered his time and talent with numerous organizations, including: Heritage Classic Foundation (Board Member); CoastalStates Bank (Board Member); Community Services Association of Sea Pines (Board Member); Beaufort County Capital Sales Tax Committee (Member); Beaufort County Academic Review (Chairman); Self Family Arts Center (Board Member); Boys and Girls Club of Hilton Head Island (Board Member); Hilton Head Orchestra (Board Member); Better Business Bureau of the Coastal Empire (Board Member); Beaufort County Child Abuse Prevention Association (Board Member); Hilton Head Preparatory School (President); Hilton Head Exchange Club (Board Member); and (Junior Warden). St. Luke’s Episcopal Church.

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