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Get Small Business Insurance in South Carolina

biBerk is trusted by many companies for small business insurance in South Carolina. We offer flexible policies to protect you from the many types of risk South Carolina businesses face. Learn about small business insurance in SC.

South Carolina Workers' Compensation insurance

This insurance helps protect your business if an employee is injured, contracts an illness, or dies as a result of an incident on the job. It can cover medical costs, legal fees, and lost wages due to the injury. We offer tailored workers’ comp in South Carolina to suit your business.

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South Carolina General Liability insurance

Also known as commercial liability insurance, general liability insurance in South Carolina is essential. It covers damages and legal costs associated with injury claims to customers and other people you don't employ (like from slip-and-fall accidents at your business location), medical costs associated with these incidents, and damage to other people's property that was caused by your business. It also covers libel, slander, and copyright infringement. Plus, there are endorsements you can add to your general liability insurance in SC to customize your policy, including cyber, hired and non-owned auto liability, employment-related practices liability, and employee benefits liability.

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South Carolina Business Owners Policy (BOP)

Also called property & liability insurance, South Carolina BOP insurance combines general liability insurance (for things like non-employee injuries and customer property damage) with coverage for your company’s property. You'll get protection for the building you own, space you lease, and any property needed to run your business, while also receiving coverage for things like business interruption. This can replace lost income, as well as cover other costs associated with getting your business back up and running after suffering property damage, such as the use of a temporary location. You can also tailor your BOP with add-ons including cyber, hired and non-owned auto liability, employment-related practices liability, and employee benefits liability.

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South Carolina Professional Liability insurance

Also known as errors and omissions (E&O) insurance, this policy could protect you from the cost of damages and legal fees if someone claims your professional service caused financial harm to them or their business. Coverage includes both mistakes on the part of your business (errors) and the failure to perform a service (omissions). If you’re an architect, for instance, and a client sues you claiming an error you made in a blueprint hurt their company financially, you may be covered. Professional liability insurance should be considered if your business provides professional advice, offers a professional service, or has contractual requirements for the coverage.

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South Carolina Commercial Auto insurance

If your company owns or leases vehicles, this policy protects your business. This type of insurance can provide coverage for your legal fees and the medical costs of others if your employee is at fault in an accident. It can cover the cost of damages even if the vehicle is used for personal activities outside of its primary business use.

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South Carolina Cyber insurance

This type of business insurance in South Carolina can be purchased as an add-on to South Carolina BOP insurance, general liability, or professional liability coverage. It helps cover costs related to system hacks or data security breaches in which sensitive information like credit card data has been stolen and fraud has occurred or there is a reasonable expectation that it might occur.

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South Carolina Umbrella insurance

When buying South Carolina small business insurance, every policy has a maximum value that it will cover in the event of an incident. Umbrella insurance adds another layer of protection, as it can cover costs that exceed the limit of another biBerk liability policy, subject to its own limit. Without it, you may be responsible for anything over your policy limit. Business liability suits can easily exceed the actual value of many small businesses, so we highly recommend an umbrella policy to protect your company.

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We Cover all Kinds of Professionals and Businesses in South Carolina, Including:

  • Accountants
  • Auditors
  • Auto body repair shops
  • Auto service and repair centers
  • Building electrician services
  • Business consultants
  • Cabinet and trim installers
  • Carpentry services
  • Clothing stores
  • Concrete driveway installers
  • Concrete construction companies
  • Conduit construction
  • Contractor building operations
  • Day camps
  • Day care centers
  • Excavation services
  • Fitness centers/gyms
  • Floor and carpet installers
  • Glaziers
  • Health care employees
  • Heating and air companies
  • Household appliance installers
  • Indoor ceramic tile, stone, and marble installers
  • Insulation services
  • Interior contractors
  • Landscaping and gardening services
  • Metal fence installation
  • Painters and wallpaper installers
  • Park operations
  • Plumbing services
  • Restaurants
  • Retail stores
  • Retirement living centers
  • Security system installers
  • Sprinkler installation companies
  • Towing companies
  • Tree pruning/spraying services
  • Trucking companies
  • Veterinary hospitals

At What Point Should South Carolina Businesses Get Insurance?

South Carolina businesses (like all businesses) should have insurance coverage when they begin operations.


Entrepreneurs rely on biBerk for clear, concise information about policies, budget-friendly coverage, and comprehensive insurance that meets compliance requirements and protects the investment they’ve made in their companies. They also appreciate the guidance our licensed insurance experts can provide regarding the policies they need, limits they should select, and other aspects of their insurance coverage. Creating a small business is an investment. It’s critical to shield your venture from unexpected expenses. 

Owners of established businesses

Owners of established businesses also work with biBerk. They value our attentive service and the flexibility of our policies. They tend to have an established insurance strategy and turn to us for the customized coverage needed to maintain sufficient financial protection as their businesses expand, offer new products or services, or venture into new markets.

Small Business Advisors

Small business advisors also frequently contact us. They view biBerk’s offerings as vital to the financial interests of their clients. These consultants know we have the pulse of the business insurance market and turn to us when they have questions.

Why biBerk for Small Business Insurance in South Carolina?

We’re the experts when it comes to South Carolina business insurance.

Save time

Get a quote entirely online or speak with one of our insurance experts right away for help getting a quote, buying a policy, or answering any questions you may have.

Save money

We insure your small business directly, without a middleman or insurance broker, so we pass that savings on to you—up to 20% less than policies with other insurance companies.


We're part of Warren Buffett's Berkshire Hathaway Insurance Group with millions of satisfied customers, more than 75 years of insurance experience, and $38 billion in paid claims in 2020.

Why is biBerk Better for South Carolina Business Insurance?

We’re often less expensive and easier to do business with than other business insurance companies. That’s better for you in many ways. We’re also part of the Berkshire Hathaway Insurance Group, the nation’s largest insurance company in terms of assets. You may know Berkshire Hathaway as the company started by Warren Buffett. Mr. Buffett began as a small business owner, and he’s dedicated to providing small businesses with services that can help them grow.

Small Business Insurance in South Carolina—Wherever You Are!

biBerk is a trusted provider of South Carolina business insurance. Since we’re an online insurance provider, you can connect with us easily, wherever you are, to get:

  • Business insurance in Charleston, SC
  • Business insurance in Columbia, SC
  • Business insurance in Myrtle Beach, SC
  • Business insurance in Greenville, SC
  • Business insurance in Spartanburg, SC
  • Or anywhere in South Carolina!

What do biBerk Customers Say?

What Coverage is Required for South Carolina Small Businesses?

Workers' Compensation

In South Carolina, every business with four or more employees is required to carry workers’ compensation insurance. You can receive substantial fines and criminal penalties if you’re caught doing business with four or more employees in South Carolina without a workers’ comp policy.

Other Policy Considerations

While the law may not state it, there’s a good chance you need to carry other business insurance policies in addition to workers’ comp. Many contracts require a general liability policy and/or a professional liability policy, for instance. Even if your customers, clients, or partners don’t require you to carry specific policies, it’s recommended that you carry policies to cover any part of your business that could be at risk, including a property and liability policy if you’re located in an area that faces possible hurricane damage. Financially protecting your South Carolina company is one of the smartest business decisions you can make.

What Does Business Insurance Cost in South Carolina?

The cost of South Carolina commercial insurance depends on a number of factors, including industry, number of employees, and the amounts of payroll and revenue. Additionally, your claims history will influence your policy cost. Companies with fewer claims typically pay lower premiums. Determine your cost for South Carolina commercial insurance with instant online quotes.

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Frequently Asked Questions About Small Business Insurance in South Carolina

  • What types of insurance are typically required for small businesses in South Carolina?


    In South Carolina, small businesses typically need several types of insurance, including general liability insurance, workers' compensation insurance (for businesses with employees), sometimes professional liability insurance depending on the industry, and other policies.

  • How much does small business insurance typically cost in South Carolina?


    Costs vary depending on several factors like business type, size, location, coverage levels, and claims history. However, you can typically get hundreds of thousands of dollars in protection for just hundreds annually. 

  • What factors should I consider when determining the appropriate coverage limits for my business?


    Factors to consider when determining coverage limits include the size and nature of your business, industry-specific risks, the value of your assets, potential legal liabilities, and regulatory requirements. A licensed biBerk insurance expert can help you assess your specific needs accurately.

  • How does workers' compensation insurance work, and is it mandatory for all businesses in South Carolina?


    Workers' compensation insurance provides benefits to employees who suffer work-related injuries or illnesses. In South Carolina, it's mandatory for businesses with four or more employees, including full-time, part-time, and temporary workers.

  • How can I get small business insurance quotes in South Carolina?


    You can obtain instant small business insurance quotes on the biBerk website. 

  • Can I customize my small business insurance coverage to fit my needs in South Carolina?


    Yes, we allow you to tailor coverage limits, deductibles, and endorsements to meet your specific business needs and budget.

South Carolina Small Business Insurance in Three Simple Steps


Get a Quote

Fill out a form online or give us a call to tell us about your company. You’ll have a quote in as little as five minutes.


Buy a Policy

Complete your purchase and make payments online or over the phone. You can pay your premium all at once or in monthly installments.


Get a Certificate

Download an instant Certificate of Liability Insurance immediately after purchasing a policy.

Get a Quote Today

Trust biBerk for small business insurance in SC and save up to 20%.