South Carolina General Liability Insurance

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South Carolina General Liability Insurance Policy Information

SC General Liability Insurance

South Carolina General Liability Insurance. SC general liability insurance protects your business against property damage, advertising injury claims, personal injury claims, and bodily injury claims. Such claims could jeopardize the success and reputation of your business.

As a business owner or small contractor, you require a form of general liability protection, to shield you from such unexpected situations. A single accident might lead into a lawsuit that is beyond your financial abilities. When that happens, you will be staring at losing your source of livelihood. That is where general liability insurance comes in.

South Carolina general liability insurance pays for cost of third-party lawsuits over slip-and-fall injuries, property damage and more. Get a fast and affordable quote in SC.

What Does General Liability Insurance Cover?

Businesses are inherently risky. The good news is that some of the risks can be protected. General business liability insurance helps to safeguard your business against various known and unknown risks. Some of the areas in your business that are covered by South Carolina general liability insurance include:

  • Property damage and bodily injury: The property damage and bodily injury helps to protect your business against various business claims as well as claims alleging financial loss as a result of bodily injury or property damage, occurring out of your products or business operations. Slip an fall is covered here.
  • Advertising errors: This protects your SC business from certain claims where others claim that your business has infringed on certain copyrights when advertising your goods, services or products.
  • Reputational harm: The reputational harm protects your business against claims of malicious prosecution, false arrest, slander, libel, wrongful eviction and violation of privacy rights, just to name a few.
  • Damage to rented premises: This helps to protect your company from certain claims that might occur during your business operations. This may be occasioned by lightning, fire or explosion.
  • Medical payments: South Carolina general liability insurance will protect your business against medical claims brought forward, when someone gets injured in your business premises and requires medical treatment.
  • Some clients might also need you to agree to a certain level of general liability before you can provide goods or services to them. With SC general liability insurance, such issues are adequately handled.
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SC General Liability Insurance Cost

The cost of your South Carolina general liability insurance coverage is determined by various factors. They include the business type, location of your business, the total number of employees in your business, as well as the risk level your business is exposed to. For example a roofer working on a roof faces much higher risks than an accountant sitting in an office behind a desk.

In our litigious society, more and more businesses are being sued due to issues like libel, slander, property damage, and bodily injury, just to name a few. Apart from that, businesses can be sued even when they have not done anything wrong. That is why your business requires general liability insurance protection.

SC General Liability Insurance By Industry

Small Business

Protect your company and employees with SC commercial insurance. Read informative articles on South Carolina small business insurance coverages - and how they can help shield your company from legal liabilities.


Construction Contractors

Learn about South Carolina construction contractors insurance, including how much the premium costs and what is covered - and how commercial insurance can help protect your SC construction business from lawsuits.


Contractors and Home Improvement

Learn about South Carolina contractor's insurance, including what it covers, how much it costs - and how commercial insurance can help protect your SC business from lawsuits.


Commercial Property

Read up on South Carolina commercial property insurance, including how business property insurance protects your company's building's and/or their contents from damage, destruction, theft and vandalism.


Warehouse and Storage

Learn about South Carolina warehouse and storage insurance - which protects storage and warehouse facilities and protects their inventory from property damage from fire and weather, vandalism and theft and liability coverage as well.


Professional Services

Get informed about South Carolina professional services insurance, including Professional liability, aka errors and omissions (E&O insurance), that protects your business against claims that a professional service you provided caused your client financial loss.


Advertising, Marketing and Media

Learn about South Carolina media liability insurance - a specialized form of professional liability insurance that provides protection for legal claims brought by third parties.


Real Estate

Learn about South Carolina real estate insurance coverages including liability and commercial property policies for realtors, mortgage companies and more.


Retail

Read valuable South Carolina retail insurance policy information. In a retail business, you need to have the right type of commercial insurance coverage so that your store, employees, and inventory are protected.


Auto Sales, Service and Repair

Read about South Carolina auto sales, service & repair insurance, which provides protection for damages done to customers vehicle's and other property as well as injuries resulting from the work done.


Health and Beauty

Learn about South Carolina health and beauty insurance coverages that help protect tattoo artists, salons, spas, estheticians, cosmetologists, barbers, hairdressers, nail salons and more from legal liability.


Information Technology and Internet

Learn about South Carolina IT technology insurance policies that help protect IT businesses, consultants & subcontractors from the unique risks that small tech businesses face when they work.


Food and Drink

Learn about South Carolina restaurants, bars, liquor stores commercial insurance coverages. See how food service insurance help protect against accidents, oversights and lawsuits resulting from business operations.


Medical and Dental

Discover South Carolina business insurance for medical and dental professionals. Medical malpractice insurance is a type of professional liability that protects health care professionals from liability causing in bodily injury, medical expenses and property damage.


Manufacturing

Learn all about South Carolina manufacturing insurance. Manufacturers face many unique risks such as product libility and/or product recall exposures due to the nature of their business operations.


Wholesale and Distribution

Read informative articles on South Carolina wholesale distribution insurance. Distributors and wholesalers face specific risks including fire, flood and weather damage that can destroy products in the distribution center - and every part of the supply chain including late supplier shipments to unpaid invoices - can effect the entire operation.


Education, Colleges, Universities & Schools

Learn about South Carolina commercial insurance for educators that helps protecting your professional reputation and other legal liabilities arising from your educational services.


Sports and Fitness

Learn about South Carolina sports & fitness insurance policies and what they cover so that your customers, employees, and equipment are protected.


Children and Pets

Discover what South Carolina commercial insurance policies cover for children and pet related businesses.


Miscellaneous

Find informative articles on miscellaneous SC businesses including the types of commercial insurance they need, costs and other considerations.


Non-Profit

Find useful articles on business insurance for South Carolina non-profit 501(c)(3) organizations, charities and associations.


Arts and Recreation

Read up on South Carolina arts and recreation commercial insurance.


Agribusiness

Learn about SC agribusiness insurance - a type of commercial insurance protects farmers against loss of, or damage to crops or livestock.


Bonds

Learn about surety and fidelity bonds which are types of insurance that are used to protect against damage or loss in commercial transactions.


Commercial Auto

Learn about South Carolina commercial auto insurance which includes liability and physical damage protection for vehicles that are used for business purposes.


South Carolina General Liability Insurance Information

SC Commercial Insurance Articles

Read informative articles on South Carolina commercial insurance including costs and coverages.




South Carolina Economic Data, Regulations And Limits On Commercial Insurance

Made In South Carolina

If you are an entrepreneur and you are either thinking about starting a new business or you are considering expanding an existing company to a new location, you know how important it is to choose the right area for your operation. In order to achieve as much success as possible, the location must offer favorable conditions and a market that will benefit from your products and services, and that those products and services will appeal to.

There are several aspects that indicate whether or not a specific state offers favorable conditions for business operations. Two of the most crucial aspects include the unemployment rate of the state, as well as the industries that are seeing the most activity in the state.

Additionally, it's also vital for prospective business owners to be aware of the different types of commercial insurance policies they will need to carry within a particular state to ensure that they are properly covered and complaint with the law.

If you're thinking about conducting business operations in South Carolina, read on for an overview of the economic trends and commercial insurance requirements in the Palmetto State.

Economic Trends For Business Owners In South Carolina

Unemployment rate is a telltale indicator of the economy of a state. The lower the rate, the healthier the economy is, and in turn, the more opportunities there are for businesses. As per the Bureau of Labor Statistics, the unemployment rate in the state of South Carolina was 2.3% in December, 2019.

Compared to the national average of 3.5% during the same time period, the economy of SC is booming. The health of the economy is further illustrated by the steady decline in the state's unemployment rate, which was 3.4% in July, 2019 and fell steadily until reaching the above-mentioned 2.3% in the last month of the year.

As in most states, large metropolitan areas are the best places to start a business in South Carolina; however, there are also several smaller cities and suburban locals that are also seeing an uptick in business ventures. Some of the destinations that companies might consider include:

  • Beaufort
  • Charleston
  • Columbia
  • Fort Mill
  • Georgetown
  • Greenville
  • Greer
  • Hilton Head Island
  • Mauldin
  • Myrtle Beach

The industries that are seeing the most activity in SC include:

  • Aerospace and aviation
  • Alternative energy
  • Automotive manufacturing
  • Biotechnology and life sciences
  • Hospitality and tourism
  • Logistics, transportation, and distribution
  • Recycling
Commercial Insurance Requirements In South Carolina

The South Carolina Department of Insurance regulates insurance in SC. South Carolina mandates very few forms of insurance coverage by law. They enforce worker's compensation.

South Carolina requires you to have worker's compensation insurance if you hire four or more employees on a regular basis. This includes part-time employees, family members, minors, and immigrant employees. It is not required for independent contractors or domestic employees, though you should check to make sure any contractors you have are true contractors, and not employees.

South Carolina also requires all business-owned vehicles to be covered by commercial auto insurance. Other types of business insurance that business owners should carry depend on the specific industry.

Request a free South Carolina General Liability Insurance quote in Abbeville, Aiken, Anderson, Batesburg-Leesville, Beaufort, Belvedere, Bennettsville, Berea, Bluffton, Boiling Springs, Burton, Camden, Cayce, Centerville, Central, Charleston, Cheraw, Chester, Clemson, Clinton, Clover, Columbia, Conway, Darlington, Dentsville, Dillon, Easley, Edgefield, Five Forks, Florence, Forest Acres, Forestbrook, Fort Mill, Fountain Inn, Gaffney, Gantt, Garden City, Georgetown, Goose Creek, Greenville, Greenwood, Greer, Hanahan, Hardeeville, Hartsville, Hilton Head Island, Hollywood, Homeland Park, Irmo, James Island, Ladson, Lake City, Lake Murray of Richland, Lake Wylie, Lancaster, Laurel Bay, Laurens, Lexington, Little River, Lugoff, Marion, Mauldin, Moncks Corner, Mount Pleasant, Murrells Inlet, Myrtle Beach, Newberry, North Augusta, North Charleston, North Myrtle Beach, Oak Grove, Orangeburg, Parker, Piedmont, Port Royal, Powdersville, Red Bank, Red Hill, Rock Hill, Sangaree, Sans Souci, Seneca, Seven Oaks, Simpsonville, Socastee, Spartanburg, St. Andrews, Summerville, Sumter, Taylors, Tega Cay, Travelers Rest, Union, Valley Falls, Wade Hampton, Walterboro, Welcome, West Columbia, Woodfield, York and all other cities near me in SC - The Palmetto State.

Also find South Carolina insurance agents & brokers and learn about South Carolina small business insurance requirements for general liability, business property, commercial auto & workers compensation including SC business insurance costs. Call us (803) 500-9096.

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