Workers Comp Insurance for Contractors in South Carolina
SC contractors with 4+ employees must carry workers comp. Learn requirements for GCs, subcontractors, independent contractors, ghost policies, and NCCI class code rates.
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What Does Workers Comp Insurance Cover? Complete Guide for South Carolina
Workers comp covers medical bills, lost wages, disability, and death benefits for work-related injuries. Learn what is and is not covered under SC workers compensation law.
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Workers Comp Insurance for Self-Employed and Sole Proprietors in South Carolina
No, self-employed workers and sole proprietors in South Carolina are not legally required to carry workers compensation insurance on themselves. But that does not mean you should skip it. Contracts with general contractors, client requirements, and gaps in your health insurance may make voluntary coverage the smart move. Do Self-Employed Workers Need Workers Comp in…
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Do I Need Workers Comp Insurance for My Small Business in South Carolina?
Yes, South Carolina requires workers compensation insurance for any business with four or more employees. Part-time workers, seasonal employees, and family members all count toward that number. Miss the requirement, and you face daily fines, stop-work orders, and liens on your business assets. Do South Carolina Small Businesses Need Workers Comp Insurance? Yes, if you…
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Do You Need General Liability Insurance for Your LLC in South Carolina?
Short answer: Yes. Your LLC protects your personal assets from business debts. General liability insurance protects your LLC from lawsuits, property damage claims, and medical bills that your LLC structure alone cannot cover. Most South Carolina LLCs pay $400 to $1,500 per year. You filed your articles of organization with the South Carolina Secretary of…
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General Liability vs Professional Liability Insurance in Greenville SC
Quick answer: General liability covers physical accidents (someone slips at your shop). Professional liability covers mistakes in your work (bad advice costs a client money). Most Greenville businesses need at least one. Many need both. Two policies. Similar names. Completely different jobs. We get this question every week from business owners in Greenville, so here…
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How Much Does General Liability Insurance Cost for Contractors in South Carolina
Quick answer: Most SC contractors pay somewhere between $40 and $150 a month for general liability. Solo operators land on the low end. Crews with employees pay more. Your trade type is the single biggest factor. A roofer will always pay more than a painter. Every contractor who walks into our Greenville office asks the…
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What Is a Certificate of Insurance? A Guide for Greenville, SC Contractors
Certificate of insurance (COI) guide for Greenville, SC contractors and business owners. What a COI includes, how to request one from The Morgano Agency, and the difference between certificate holder and additional insured.
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How Much Does General Liability Insurance Cost in South Carolina?
Short answer: General liability insurance costs in South Carolina depend on your industry, revenue, payroll, claims history, and whether customers or crews visit job sites. Low-risk office businesses usually pay less than contractors, restaurants, and other businesses with higher public or job-site exposure. Most businesses start with a $1 million per occurrence / $2 million…
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Do I Need General Liability Insurance for My Business in South Carolina?
Home / Blog / General Liability Insurance Guide Do I Need General Liability Insurance for My Business in South Carolina? General liability insurance is not required by South Carolina law for most businesses, but many companies still need it to sign leases, win contracts, satisfy clients, or protect the business from third-party injury and property-damage…
