Other Commercial Insurance Coverage
Specialized Insurance Solutions for Unique Risks
At The Ferguson Insurance Team, we understand that not every business fits neatly into a standard insurance box. That’s why, in addition to core coverages like General Liability, Workers Comp, Business Auto, and BOPs, we offer a wide range of specialty and hard-to-find business insurance solutions—all tailored to the needs of South Carolina businesses.
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Business Insurance Is Not One-Size-Fits-All
Every business has risks that are unique to its industry, size, and operations. Whether you’re running a tech startup, managing a nonprofit, contracting with the government, or providing niche services, you may need specialized policies that aren’t part of a typical insurance package.
That’s where our commercial insurance specialists come in.
We Offer a Broad Range of Coverages, Including:
- Employment Practices Liability Insurance (EPLI) – Coverage for claims of harassment, discrimination, and wrongful termination
- Directors and Officers (D&O) Insurance – Important for nonprofits, corporations, and associations
- Errors and Omissions (E&O) / Professional Liability – Essential for consultants, real estate agents, healthcare providers, and other licensed professionals
- Special Event Insurance – Temporary coverage for weddings, festivals, and community events
- Inland Marine / Equipment Coverage – For mobile tools, heavy machinery, and offsite equipment
- Builders Risk Insurance – For new construction and major renovations
- Surety Bonds – Required for many licensed professionals and contractors
- Product Liability – For manufacturers, wholesalers, and importers
- Nonprofit and Church Insurance – Special programs designed for mission-based organizations
Why Choose Us for Specialized Business Coverage?
Our team has decades of experience helping businesses across South Carolina navigate the ever-changing world of commercial insurance. We’re an independent agency, which means we’re not tied to one company—and can shop across many trusted carriers to find the right fit for your business.
- Local service with commercial insurance expertise
- Custom-tailored coverage plans
- Access to industry-specific programs and carriers
- Flexible options for small and growing businesses
Not Sure What Coverage You Need?
That’s okay. You don’t have to figure it out alone. Our commercial specialists are here to talk through your operation, assess your risk, and recommend smart, affordable protection options for your business—no matter how niche or unique.
Let’s make sure your business has the protection it truly needs.
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Frequently Asked Questions
Can I switch insurance before my policy's renewal?
Yes! You do not have to wait until the expiration date of a policy to change to a different carrier. If you’re unsure about the process of changing your auto insurance, our agents can walk you through that process, step-by-step.
Do you offer coverage bundles?
We do! Many of the insurance companies we represent offer savings and other benefits for having multiple policies with them. We can also create a customized bundle within our agency with coverage from different companies to best fit your needs. Many of those companies still offer a discount for having multiple policies with our agency, even if they are not all with the same company.
I'm moving to South Carolina, can you help me with my insurance needs?
We help many new South Carolina residents take care of their insurance needs, both auto insurance, and home or renters, when they first move to our state. Our agents can walk you through the process obtaining car and property insurance that satisfies the specific requirements of the state, your lender or your property manager.
I'm not sure what I need, can you help?
Absolutely! We know that most people don’t spend all day thinking about insurance the way we do! We’re here to help by providing you with education and listening to your unique needs so we can better understand you and what insurance solutions would best fit your specific circumstances.
My car insurance keeps going up, what can I do?
It’s true that auto insurance rates have risen across the board in the last few years due to a variety of factors, like increased cost of both parts and labor, as well as increased loss frequency and even the increased costs of reinsurance for carriers. The good news is you have options. If your rates have gone up, it may be a good idea to chat with a local agent and see if there are other options that are more affordable.
What is "full coverage"?
Great question! Contrary to popular belief, “full coverage” is not an insurance term, and agents don’t typically use it, because it can mean many things to different people. The most common definition though, is usually an auto policy that has both collision and comprehensive (also called other-than-collision) coverage. However, even a policy with these coverages may not “fully” cover you, depending on the circumstances. Coverages like towing and roadside assistance, Gap insurance, and medical payments are just a few options that might not be included on a policy that has collision and comprehensive coverage. Instead of using generic phrases like “full coverage”, we prefer to work with our clients to discuss their needs, and explain thoroughly exactly what their policy does or does not cover.
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