Contractors Insurance in South Carolina

  • Compare quotes in minutes, with no obligation to buy
  • Buy online and receive coverage confirmation – instantly
  • Access only top-quality insurance companies (A-rated or better)

Get instant quotes

Why do general contractors need insurance in South Carolina?

The Palmetto State has a thriving construction industry. It is estimated that more than 42,162 sole entrepreneurs are employed in this field. South Carolina tradespeople can be protected by contractor insurance.

Construction sites can be dangerous to be. Small businesses can be exposed to expensive risks if they’re involved in residential or business projects. Insurance for contractors in South Carolina protects your business from accidents and delays, as well as other problems.

Contractor insurance is a variety of types coverage that a General Contractor might consider.

  • General Liability
  • Business Owner’s Policy
  • Workers’ Compensation

Learn more about South Carolina contractor’s insurance and how you can get the most suitable policy for your business with BizInsure.

Who may consider contractor insurance in South Carolina?

Contractors typically buy insurance policies to safeguard their personal and business finances. General Liability insurance and other forms of insurance offer an essential security net to safeguard your business and yourself.

It is possible that certain kinds of coverage are required in order to conduct business with a particular client (a condition that is usually stipulated in contracts for business).

For more information about insurance quotes and alternatives choose your job.

Customer service icon

Contact our licensed agents

You can relax knowing you’ve got A-rated insurance for your small business at a reasonable price.
BizInsure’s licensed and knowledgeable agents are here to assist you in finding the right product.

What insurance policies do contractors need in South Carolina?

South Carolina contractors should think about a variety of kinds. These policies will help you reduce the risks that contractors may face.

General Liability insurance

Construction sites are unstable. Your company could be affected by simple mistakes, such as placing your tools in the wrong spot.

General Liability policy can protect you against any claim by an outside party regarding injury or damage to their property. In these instances, your policy will cover your legal expenses as well as your cost to replace or remedy the situation up to the limits of liability.

South Carolina contractors may find General Liability coverage sold as Commercial General Liability (CGL) or referred to by the informal “slip and fall” coverage.

Business Owner’s Policy

Things don’t always go to plan when you work in the construction field. It is possible that you won’t be able to finish your project on time if you have interruptions in the work, or if tools break.

Business Owner’s Policy (BOP) is a convenient package of insurance that protects your business against the common risks it faces every day. The BOP product includes various coverages that may suit the unique requirements of your small business. Insurance included in a BOP can vary but usually they include protection for typical small business risks such as property damage, business interruption and liability.

BOP can provide specific coverage options that are tailored to your company’s needs. It can be an easy and affordable way of protecting your business from the most common risks contractors are exposed to.

Workers’ Compensation Insurance

You are accountable for the health and well-being of your employees as they are working.

Workers’ Compensation insurance provides protection for employers if an employee suffers a work-related illness or injury. This type of insurance typically covers medical bills, a portion of the income lost if they’re unable to work because of the injury, and rehabilitation or physical therapy to help the employee transition back to work.

In South Carolina, Workers’ Compensation insurance is required for businesses with four or more employees.

What does contractor liability insurance cover in South Carolina?

Insurance for contractors can shield your business finances and you from a wide range of risks. Depending upon the type of coverage that you select, events like this may be covered:

  • Protection for Third-Party Injuries and Property Damage Claims (General Liability)
  • Unexpected interruptions to the business (Business Owner’s Policy)
  • Equipment breakdown (BOP)
  • Employees’ workplace illnesses and injuries (Workers’ Compensation)

How much does contractors insurance cost in SC?

Business insurance prices vary because insurers take many factors into consideration when determining each company’s premium. The price of insurance for your business could be influenced by:

  • What type of insurance are you looking for?
  • Your annual income (size of your business)
  • What is the maximum number of people that the policy able to be able to cover?
  • Your claim are based on your past
  • Select the coverage level you want

How to get general contractors insurance in South Carolina?

Protecting your contracting business is simple with BizInsure.

You can easily compare different estimates in just 10 minutes. Then, choose a policy that suits your needs and budget. When policy documents are delivered straight to your email, you’re covered immediately.

Do you need assistance? Our licensed agents are available to assist you at any point in the process.

Compare quotes on South Carolina general contractors now to get A-rated coverage for your budget.

As with any insurance, coverage will be subject to the terms, conditions and exclusions contained in the policy wording. The information contained on this guide is general only and should not be relied upon as advice. The number of quotes provided varies between products, occupations and other underwriting factors determined by the insurers.
© Copyright 2023 BizInsure LLC, 2015 ALL RIGHTS RESERVED BizInsure LLC; CA DBA: Simple, Smart, BizInsure Insurance Agency LLC; NY DBA: BizInsure Services LLC; NH DBA: Simple, Smart, BizInsure Insurance Agency; PA DBA: BizInsure Services LLC. 2950 Buskirk Ave Suite 300, Walnut Creek CA 94597. License #0H81929
I renewed my policies , including a few updates, through the on-line portal. It was quick, easy and completed in a few moments. I will not have to revisit thias until 12 months from now. I printed out my documents and have no questions pertaining to my renewal. It was seamless. Thank you Biz Insure
Fast, Simple, convenient
This company is very efficient, easy to manuever their online renewal, I love it and would recommend to anyone.
Awesome service!
Very easy to work with, cost effective, prompt renewal and easy to get certificates of insurance instantly. I use them exclusively for my professional and general liability insurance needs as a consultant. They simply make my insurance be easy!
VERY PROFESSIONAL STAFF. CALLS ARE RETURNED PROMPTLY!!
Huge thank you to Andrea, she was patient, kind, & caring! Got my quote fast & at best price!
Excellent and Easy service - Thank you.
Amy was a delight to work with she help me with finding he right policy for my business I can't thank her enough for her help
I purchased liability insurance for my home care agency, Unlimited Gentle Care, and the process was seamless and straightforward, ensuring that every aspect of our liability was covered. This company also offers a great value for the extensive coverage my company receives
BizInsure was an easy way to purchase insurance for my business.Kaleb especially was a great help.Thanks,Rich Valentini
awsom service, perfect price and great policy
I have purchased General Liability Insurance for the past 4 years at BizInsure for my wedding videography small business. In these 4 years, it has always been a smooth process.There must've been some sort of technical issue (potentially due to my change in address), so my policy didn't auto-renew. I called Bizinsure and talked to Paulina, who was beyond helpful. She was very polite and explained things very well. One small detail that I can appreciate is that she often said my name, which shows that their customer service is intentional about personalized communication.In just a few minutes, we updated my account + renewed my insurance for a 5th year. I highly recommend Bizinsure!
great customer services.
This company allowed us an amazing experience, including very efficient, detail-oriented, and patient guidance from their commercial sales agent, Jenifer. I highly recommend this service for anyone in need of a business insurance policy.
Jennifer was very helpful and great to work with.
Very professional, fast and reliable. I appreciate their knowledge and experience. They have made this journey easier for me.
Very easy to renew! Thank you
super quick and easy process!
I am very satisfied with Bizinsure. No regrets
Very professional, easy, and thorough application process.
BizInsure is efficient and price friendly. I definitely reccommend them to anyone. Thank you.
Great process and very efficient.
Friendly and very fast service!
Jennifer Whiscombe, is an amazing agent. She was very knowledgeable, thorough and friendly. I highly recommend.
They make it very easy to buy insurance and renew.
As a business owner I love not wasting time. Thank you so much for giving me more time
Very straight forward, the cost of coverage amount made sense, simplicity was appreciated.
Always easy. Thank you.
A Company that is easy to deal with and that I have used for several years. I appreciate the continued support.
Very easy and affordable!
Responsive and professionalCompetitive price. I highly recommend Bizlnsure as an insurance provider
Your service is easy to renew as needed and your company informs the client in advance for renewal.
js_loader
Google Rating
4.7
Based on 296 reviews
×
js_loader