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Starting a business in South Carolina opens the door to risks. You need insurance designed for your industry and business size. We customize plans for more than 20 industries. Pick coverage below to start a quote today.
Essential coverage for your South Carolina business
When you also have at least one employee
* Plus Workers Compensation
All standard plan benefits and:
Whether you’re looking to satisfy South Carolina requirements with workers comp and disability insurance or know insurance is the only way to protect your finances, we’ve got you covered.
Providing a flexible and diverse coverage from bodily or physical injury, property damage, legal charges such as libel and slander, including false or misleading advertisements, this insurance helps pay for claims as a result of accident or negligence that occurred within your business property. General Liability is applicable for most businesses, regardless of your trade and company size.
Also called Commercial Building insurance, it protects business owners from damages or lost associated with natural calamities or man-made disasters. Catastrophic events along with uncontrolled circumstances like theft or looting can seriously hurt your business. This policy lends assistance by insuring your business-owned physical assets such as the building and its content.
Like with other states, South Carolina requires all businesses with four or more employees, either full-time or part-time, to have Workers' Compensation insurance. It provides employees the needed coverage for medical expenses, rehabilitation costs and lost wages due to work-related injury or illness. In exchange, business owners are protected from legal liabilities as a result of negligence.
South Carolina law mandates all motorists to purchase automobile insurance before they can legally drive within the state, and adding Commercial Auto insurace for your business increases your coverage on company vehicles and drivers. It helps pay for liability, collision, medical payments and property damage claims incurred after an accident involving your commercial vehicle.
Combining two popular policies in one convenient package, Business Owners Policy (BOP) is highly recommended for small and mid-sized businesses. Aside from the General Liability and Commercial Property protection, you can equally include several elements to increase coverage. Popular add-ons are Data Breach, Professional Liability, Inland Marine and Cyber Liability.
The increasing crime rate is a major threat to all businesses. Specially for small business owners, unlawful acts like robbery, burglary, theft and other offenses can cause huge financial problems. Crime Insurance protects you from both internal and external acts of crime so you don’t have to religiously monitor your business 24/7 amidst these dangers.
It depends on the nature of your business, types of services being offered and financial resources. Most small business owners choose to carry at least $500,000 to $1,000,000 in coverage.
South Carolina mandates all businesses with four or more employees to have Workers' Compensation insurance. If company automobiles are used to complete business operations, then Commercial Auto is also required.
Claims from lawsuits, loss due to catastrophic events and other unplanned circumstances may challenge your financial resources. Unless you have stable funds, you need insurance to cover these expenses.
Companies have their own set of requirements before they can offer a quote for insurance. But most of the time they will ask for completed application forms, business licenses and claims history.
CoverWallet utilizes state of the art technology to help small businesses understand and buy customized coverage, get significant savings and conveniently manage their insurance, in a matter of minutes, all through our online platform.
You wanted better protection and cheaper pricing. So did we. We baked that dream into everything we've set out to accomplish in building our award winning platform.
We have one! How much could we have really improved the insurance purchase process? Try us! We ask only the questions you need to answer, nothing more.
We've built all our fancy tech from scratch, which allows us to get you certificates on demand, free of charge, and for us to find you savings.
Being a small business presents several challenges that may need more assistance. While CoverWallet provides you the best insurance, you can also consider these references to further support your small business: