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South Carolina’s leading contractors' insurance programs –

Contractors
Insurance

South Carolina

South Carolina

Contractors Insurance

Stop overpaying for coverage in the Palmetto State!
One simple phone call can save you up to 65% or more with South Carolina’s leading contractors’ insurance programs –

Coverage for South Carolina Contractors

With unrivaled access to a vast network of wholesale specialty markets, our South Carolina Contractors' Insurance programs provide construction companies the coverage needed to transfer and mitigate financial risk -

Why do I need Contractors Insurance?

Contractors’ insurance protects against the financial risks present at all stages of business operations.

Construction is a risky but rewarding industry. Regardless of type or size, all South Carolina projects have some level of risk. Like a bad song stuck in loop mode, the most common risks — safety hazards, labor shortages, material costs, and theft — are repeat offenders that, in the event of an unexpected incident, can send a small company to the brink of insolvency.

A formidable commercial insurance portfolio will protect your business against an unforeseen employee or third-party claim.

Protect Against the Unpredictable

Contractors, subcontractors, and specialty artisans are encouraged to visit the South Carolina Labor Licensing Regulation to verify license prerequisites before commencing operations.

With low rates that fit any budget, our licensed experts are standing by to assist South Carolina contractors with an affordable insurance package written exclusively for your business needs.

Our Recommended Products

General Liability


South Carolina contractors’ general liability is the bedrock of a robust business insurance package.

South Carolina contractors’ general liability insurance protects construction businesses from third-person injury and property damage claims caused by day-to-day operations or products.

A South Carolina contractors’ general liability policy is essential coverage for:

  • Business Liability
  • Contractual Liability
  • Products Liability
  • Completed Operations
  • Legal Expenses
  • And More

Workers' Comp


South Carolina contractors’ workers’ compensation is a benefits program for employees with injuries or illnesses due to a compensable work-related claim covered by the law.

South Carolina contractors’ workers’ compensation provides three types of benefits for work-related injuries:

  • Medical
  • Lost Wages
  • Permanent Disability

For specific employer insurance requirements, please visit the SC Workers’ Compensation Commission to review South Carolina contractors’ workers’ comp rules and regulations.

Surety Bonds


A South Carolina contractor bond is a financial guarantee for a city, county, or state licensing authority that the principal will abide by the terms of the issued license.

South Carolina contractors’ surety bonds protect the consumer and the state while doing business with a licensed contractor.

Most projects and government organizations (public works) may require a South Carolina contractors’ surety bond to bid on a project.

Commercial Auto


A South Carolina contractors’ business auto policy protects your company vehicles if a listed (insured) driver is liable for an at-fault accident or other damages caused by an accident, theft, or vandalism.

South Carolina contractors’ commercial auto insurance can provide coverage for higher limits, hired and non-owned auto liability, no limits on the number of vehicles or drivers, and other forms or situations not available on a standard personal auto policy.

South Carolina contractors’ commercial auto insurance provides:

  • Bodily Injury Liability Coverage
  • Property Damage Liability Coverage
  • Comprehensive Physical Damage Coverage
  • Collision Damage Coverage
  • Medical Payments
  • Combined Single Limits (CSL)
  • And More

Inland Marine


South Carolina contractors’ inland marine insurance, AKA a South Carolina contractors’ tool and equipment policy, provides all-risk property coverage for tools, equipment, material, or product located at a job site, while in transit, or stored at an off-site location.

South Carolina contractor inland marine insurance will reimburse business owners for such perils:

  • Theft
  • Wind
  • Hail
  • Fire
  • Water

A South Carolina contractors’ inland marine policy provides specialty coverage for “installation” risks, vandalism, and damaged leased or rented equipment.

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