Business Insurance in South Carolina

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Get small business insurance for your South Carolina business

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Learn about South Carolina's insurance requirements

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Recommended insurance policies for small businesses in South Carolina

General liability insurance icon

General liability insurance

This type of business liability insurance is important for all South Carolina businesses. A general liability policy covers common third-party risks, and it's required by most commercial leases.

BEST FOR
  • Customer bodily injuries
  • Personal injuries
  • Advertising injuries
Professional liability insurance icon

Professional liability insurance

A professional liability insurance policy provides financial protection against lawsuits related to work performance. It's also called errors and omissions insurance (E&O).

BEST FOR
  • Work mistakes and oversights
  • Professional negligence lawsuits
  • Late or incomplete work
Cyber liability insurance icon

Cyber liability insurance

This policy covers financial losses from data breaches and cyberattacks. It's recommended for South Carolina businesses that handle credit card numbers and other sensitive data.

BEST FOR
  • Customer notification expenses
  • Fraud monitoring services
  • Data breach investigations
Business owner’s policy icon

Business owner’s policy

A BOP bundles commercial property insurance and general liability coverage in one plan. It's often the most cost-effective type of commercial insurance for a South Carolina business.

BEST FOR
  • Slip-and-fall injuries
  • Damaged customer property
  • Damaged business property
Workers’ compensation insurance icon

Workers’ compensation insurance

Workers’ comp insurance is required for South Carolina businesses that have four or more employees. It also protects sole proprietors from work injury costs that health insurance might deny.

BEST FOR
  • Employee medical expenses
  • Disability benefits
  • Legal fees from employee injuries
Commercial auto insurance icon

Commercial auto insurance

This policy is required for business-owned vehicles in South Carolina. It covers injuries and property damage in an accident, along with vehicle theft and some types of damage.

BEST FOR
  • Accidents involving commercial vehicles
  • Theft of a business-owned vehicle
  • Damage to a company vehicle
Looking for different coverage? See more policies.

South Carolina business insurance requirements

State laws affect which business insurance coverage you need. These policies are required everywhere in South Carolina, from Columbia to Charleston.

Blue check mark

Workers' compensation insurance

With some exceptions, South Carolina state law requires businesses with four or more employees, full-time or part-time, to carry workers’ compensation insurance.

Workers' comp covers medical bills for work-related injuries and illnesses, and provides disability benefits to injured South Carolina workers. It also shields employers from legal costs for workplace injuries.

Blue check mark

Commercial auto insurance

All business-owned vehicles in South Carolina must be covered by commercial auto insurance. This policy covers the cost of accidents involving work vehicles.

South Carolina's minimum requirements for auto liability insurance (and uninsured motorist coverage) are:

  • $25,000 bodily injury liability per person
  • $50,000 bodily injury liability per accident
  • $25,000 property damage liability per accident

Trucking companies may need additional coverage to comply with regulations.

Though it's not required, personal vehicles driven for work purposes should be covered by hired and non-owned auto insurance (HNOA), as personal auto policies usually exclude business use. It can be added to commercial general liability insurance or a business owner's policy (BOP).

How much does small business insurance cost?

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Commercial insurance can be affordable for South Carolina small business owners. Factors that influence the cost include:

  • Type of business and its risks
  • Business operations and location
  • Number of employees
  • Types of insurance purchased
  • Policy limits and other coverage options
View Small Business Insurance Costs
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Find the right policies and get your certificate of insurance

Insureon's licensed agents can help you find policies that fulfill South Carolina's requirements and your business insurance needs. Once you've purchased insurance with us, you can download a certificate of insurance by logging into your account.

In South Carolina, insurance agencies, agents, and brokers are licensed by the South Carolina Department of Insurance. Insureon is licensed in South Carolina as BIN Insurance Holdings LLC (NPN 15752926) for property and casualty insurance.

You can verify our licensure with the National Association of Insurance Commissioners by selecting South Carolina, licensee, business entity, and then entering our state license number, 1907716059.

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