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insurance needs should be discussed with a licensed insurance agent.
South Carolina Business Owners Insurance
Businesses can bundle property and liability coverage into a South Carolina Business Owners Insurance policy
that allows your business to obtain broad coverage with affordable premiums. South Carolina Business Owners
Insurance is usually the first step for small businesses looking to get basic property and liability coverage and is
a comprehensive and affordable insurance package for small or medium sized businesses.
To qualify for Business Owners Insurance Policies, a company should have 100 or fewer employees, and
annual revenues should be less than $1 million. South Carolina Business Owners Insurance will typically
provide reimbursement for up to a year of lost revenue resulting from an insured property loss.
Some businesses may find South Carolina Business Owners Insurance coverage limits to be too low or may
not like the lack of flexibility on options like coinsurance. However, what the Business Owners Insurance Policy
lacks in flexibility it usually makes up for with lower premiums for your business.
Property Insurance Coverage
South Carolina Business Owners Insurance offers named perils or all risk insurance coverage, similiar to
general property insurance coverages. Enhancement endorsements are available at little or no cost to extend
coverage to your accounts receivable, valuable papers, signs, employee dishonesty, mechanical breakdown,
computers including software, money and securities, off premises power failure and spoilage of food products,
backup of sewers and drains.
Liability Insurance Coverage
While similar to Commercial General Liability Insurance, the liability part of a South Carolina Business Owners
Insurance Policy offers less flexibility in determining your coverage limits for particular claims. Optional limits of
$300,000, $500,000 or $1,000,000 are available. Personal injury, products liability, fire legal liability and
premises medical payments are included. Also, Business Owners Insurance does not include professional
Interruption Insurance Coverage
Business Interruption Insurance is usually included in Business Owners Insurance Policies and covers lost
income and expenses incurred when a company suffers disaster related damage. Ongoing operating expenses
that continue even if business is suspended, such as payroll, are also covered.
Click on the link below to fill out a secure quote request form for a South Carolina business owners insurance
policy that regardless of whether you're a small contractor, large employer or a small business owner, will
provide exceptional insurance coverage for your business at an affordable cost. Or you can speak with our
South Carolina Business Owners Insurance specialist at (803) 798-5754 to discuss the policy features in more