Insurance for Your Business
Commercial insurance coverage for businesses in Columbia, SC or Chapin, SC.
Your Business Is Your Livelihood
Insurance options for your business are an essential tool to safeguarding that livelihood. We know your focus is on your business and industry, so let us help you find the coverage you need. Save money and protect your profits with commercial insurance coverage from a reliable and affordable Columbia, SC or Chapin, SC insurance agency.
We offer a wide array of insurance coverage for your business to keep you protected after unexpected events. Learn more about each of our coverage options for Columbia, SC or Chapin, SC area businesses below:
Business Insurance for Employee Protections
Directors and Officers Liability
Your board of directors and company leadership may face legal action for their business decisions. Protect their assets and get reimbursed for legal defense costs with directors and officers liability insurance.
Kidnap and Ransom Insurance
If your company requires international travel by employees or directors, kidnap and ransom insurance can be added to your other insurance policies to reimburse you for the cost of handling a critical situation.
Workers’ Compensation Insurance
Most states require businesses with employees to provide workers’ compensation insurance. This coverage pays medical bills and legal fees associated with workplace injuries and illnesses.
Commercial Insurance Needed for Your Business
Commercial Automotive Insurance
If you own and operate vehicles as part of your business, you’ll need a separate policy to cover automobile accidents, damage, and liability.
Insurance Bonds
Insurance policies can be specific to your business needs. We write bonds for notaries, contractors, estates, public officials, and more.
Business Owners Policy (BOP)
Bundle your commercial property and general liability insurances into a business owners policy to save money on your insurance payments.
Builder’s Risk Insurance
General contractors put in time and money to complete each new project. Get coverage for property damage and theft of equipment from your worksite with builder’s risk insurance.
Crime Insurance
Many liability insurance policies exclude criminal acts such as fraud. Adding crime insurance to your existing policies ensures that your business is covered in the event of fraud, theft, and employee dishonesty.
Cyber Liability
A data breach of private company or customer information and the resulting fallout can bankrupt your business unless you have cyber liability insurance to help carry the financial burden.
Earthquake Insurance
Depending on the location of your business, you may be at risk for damages from an earthquake. Earthquake insurance fills any gaps in your property insurance coverage in the event of disaster.
Employment Practices Liability
Protect your business from expensive lawsuits related to wrongful termination, failure to promote, sexual harassment, discrimination, and more with employment practices liability coverage.
Commercial General Liability
You can be held responsible if someone slips, falls, or injures themselves at your place of business. Get insurance coverage for medical bills, legal fees, and more expenses from liability claims.
Inland Marine & Equipment Breakdown Coverage
Equipment can be essential to your business and expensive to replace. Inland marine insurance covers your equipment or merchandise in transport, and equipment breakdown reimburses you for repairs or replacement.
Pollution Insurance
Pollution insurance covers costs associated with pollution incidents like cleanup fees, legal fees, and investigation fees. These types of incidents are usually excluded from other liability policies.
Professional Errors & Omissions Insurance
Professional errors and omissions insurance protects professionals like doctors, accountants, fitness instructors, and more from claims of negligence, misrepresentation, or bad advice.
Commercial Property Insurance
Protect your business property and merchandise in case of fire, vandalism, theft, and other covered events that cause damage and loss.
Commercial Umbrella/Excess Liability
All your commercial insurance policies will have coverage limits. If the nature of your business requires higher coverage amounts, consider a commercial umbrella liability policy.
Commercial Insurance for Your Industry
Commercial Insurance for Auto Dealers and Repair Shops
Protect your dealership or repair shop with specialized insurance bundles for your industry. These policies address the unique liability risks faced by your business.
Church Insurance
Church insurance policies are specifically tailored to meet the needs of religious organizations. This includes general liability, property insurance, and pastoral professional liability coverage.
Contractors Liability Insurance
Secure more contracts and customers by insuring your business. We offer industry-specific policies to best protect your construction business.
Commercial Farm Insurance
Insurance for your farm and equipment so that you can continue your business even after unexpected events.
Hotel and Motel Insurance
Hospitality businesses face different risks from traditional storefronts or other businesses. Hotel and motel insurance tailors property insurance and other coverage to meet the needs of your industry.
Jeweler’s Block Insurance
Jewelry stores offer expensive merchandise that is often excluded from basic property insurance coverages. We offer essential insurance coverage for jewelry stores, manufacturers, wholesalers, and pawn shops.
Liquor Liability
The majority of state laws can hold businesses liable for the actions of intoxicated individuals they served. Liquor liability is a necessary protection for restaurants, liquor stores, bartenders, breweries, and more.
Manufacturers Insurance
Manufacturers often require multiple insurance policies to cover equipment breakdown and liability risk of specialty machinery. Our manufacturers insurance bundles all your necessary coverage at an affordable rate.
Nonprofit Organization Insurance
Property damages and liability lawsuits could destroy your budget and take away the focus on your mission. Nonprofit insurance includes coverages like general liability, commercial property, directors and officers insurance, and more.
Office Insurance
Whether you own or lease your office space, you will need insurance to protect your business location and equipment. Our office insurance covers your basic insurance needs so you can get back to business.
Restaurant Insurance
Restaurant insurance for your business includes business owners policy coverage and other policies specific to the restaurant industry like liquor liability or food liability coverage.
Retail Insurance
Because every business is different, retail insurance can be adjusted to fit your needs. It can include a BOP, general liability, and crime insurance to protect against theft and employee dishonesty.
Self-Storage Business Insurance
Insurance policies customized to fit the needs of the self-storage industry includes sales and disposal liability, customer goods liability, and commercial umbrella coverage.
Commercial Trucking Insurance
If you are driving a semi-truck or tractor-trailer, you’ll need specific insurance to cover cargo damage and accident liability.
Do you have a question about commercial insurance?
Our agents are ready to answer any of your questions.