Business Insurance in South Carolina

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What are the requirements for small business insurance in South Carolina?

State laws can affect which insurance policies you need for your small business. These policies are required for South Carolina businesses.
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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. This policy covers medical bills for work injuries and illnesses.

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Commercial auto insurance

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

South Carolina's commercial auto insurance requirements are:

  • Bodily injury liability: $25,000 per person / $50,000 per accident
  • Property damage liability: $25,000 per accident
  • Uninsured motorist coverage: $25,000 per person / $50,000 per accident / $25,000 property damage coverage per accident

Recommended insurance policies for small businesses in South Carolina

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How much does small business insurance cost?

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

  • Your industry and risk
  • Coverage limits
  • Location
  • Number of employees
View Small Business Insurance Costs

Insureon specializes in South Carolina business insurance

In South Carolina, insurance agents, agencies, 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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