Commercial Insurance in SC
Protecting South Carolina Businesses with Comprehensive, Affordable Coverage
As a local independent insurance agency, we understand firsthand the challenges of running a business. Whether your business is just getting off the ground, a growing mid-size company, or an established enterprise, the right business insurance in SC can protect your operations, assets, employees, and reputation.
At The Ferguson Insurance Team, we are passionate about helping small businesses build customized insurance plans that balance solid protection with affordable pricing. From Workers Compensation to General Liability, Commercial Auto, and more, we specialize in protecting your operation with the right coverage for your business’s specific needs, so you can focus on what you do best, serving your customers and growing your business.
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General Liability
Protect your business with coverage for damage to others’ property, injuries, and more.
Workers Comp
Your team is your biggest asset. Protect them with affordable workers’ comp coverage.
Business Auto
Affordable insurance for your vehicles, whether you have one vehicle or a whole fleet.
Professional Liability
Affordable, effective coverage for your actions and advice as a professional in your field.
Commercial Umbrella
Extremely cost effective coverage that goes above and beyond your other policies.
Cyber
One of the biggest risks facing businesses is also the most misunderstood. Learn more.
Business Insurance We Offer in South Carolina
General Liability Insurance (GL)
Protect your business from lawsuits and third-party claims.
General Liability is one of the most essential forms of business insurance in South Carolina. It covers bodily injury, property damage, and personal injury claims that arise from your business operations, products, or services. Whether a customer slips and falls or claims your advertising caused harm, general liability insurance can help protect your business from costly legal expenses.
Workers Compensation Insurance
Required in South Carolina for most employers.
If you have four or more employees in South Carolina (including part-time), you are generally required to carry Workers Comp insurance. This coverage helps pay for medical expenses and lost wages if an employee is injured on the job. It also protects your business from lawsuits related to workplace injuries.
Business Owner’s Policy (BOP)
A cost-effective bundle of essential coverages.
A Business Owner’s Policy combines General Liability and Commercial Property insurance into one convenient, discounted package. It’s ideal for small to medium sizes businesses that need basic protection for their premises and operations. Some BOPs can also include Business Interruption Coverage, helping replace lost income after a covered event like a fire or storm.
Commercial Property Insurance
Protect the physical assets of your business.
From buildings and equipment to furniture and inventory, Commercial Property Insurance covers the things your business owns. Whether you lease, rent, or own your space, this coverage helps protect against loss from fire, theft, vandalism, and some weather events.
Business Auto Insurance
For company vehicles and employee drivers.
If your business owns vehicles, or even if you use a personal vehicle for work, you need Commercial Auto Insurance. This coverage provides liability, collision, comprehensive, and uninsured motorist protection tailored for business use. Whatever type of work you do, we can help you insure your business vehicles properly.
Commercial Umbrella Insurance
Extra protection when liability limits are exceeded.
A Commercial Umbrella Policy provides an extra layer of liability protection beyond your General Liability, Auto, or Employers Liability limits. It’s a smart and affordable way to protect your business from high-dollar lawsuits or catastrophic claims that could otherwise jeopardize your financial future. Not only is it a smart way to protect what you’ve built, but it is surprisingly affordable.
Professional Liability / Errors & Omissions (E&O)
Coverage for service-based and advisory businesses.
If your business provides advice, consulting, or professional services, you may be exposed to claims of negligence, even if you did nothing wrong. E&O insurance helps cover legal defense and settlements in these types of situations.
Cyber Liability Insurance
Protect your business from digital threats.
In today’s world, any business that does any business electronically, which is virtually every business to some degree, faces cyber risks. Cyber Liability Insurance helps cover expenses related to data breaches, ransomware attacks, and business interruption caused by cyber incidents. Did you know that 82% of Ransomware attacks are aimed at small businesses? If you think you’re too small to be a target, think again.
Other Specialized Coverages We Offer:
- Inland Marine (for mobile equipment and tools)
- Commercial Flood Insurance
- Employment Practices Liability (EPLI)
- Directors & Officers (D&O) Liability
- Product Liability Insurance
- Equipment Breakdown Insurance
- Builders Risk (for construction projects)
Why Choose The Ferguson Insurance Team for Your SC Business Insurance?
Local Expertise: We’ve been helping South Carolina businesses for over 40 years. We know the risks you face and the coverages you need.
Customized Coverage: No two businesses are the same. We tailor your policy to your industry, size, and operations.
Access to Dozens of Carriers: We work with dozens of insurance companies to find the best coverage and price for your needs.
Affordable Options: We focus on balancing protection and price so you get quality insurance that fits your budget.
Peace of Mind: Relax knowing that you have a team of experts protecting you, so that you can do what you do best: run your business.
Get a Free Business Insurance Quote in South Carolina
Whether you’re starting a new business or reviewing your current coverage, we’re here to help. Let us build a custom business insurance plan that protects what you’ve worked so hard to build.
Serving businesses in Charleston, North Charleston, Walterboro, and throughout South Carolina.
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