Contractor checklist
Contractor Insurance Checklist for Greenville, SC
Use this contractor insurance checklist before bidding work, signing a contract, hiring subcontractors, or sending a COI. It helps Greenville contractors review general liability, workers comp, commercial auto, tools, subcontractor insurance, and the contract wording that can change what coverage is needed.
Use it with Morgano’s contractor insurance in Greenville SC, general liability for small businesses in Greenville, workers compensation insurance, and commercial auto insurance resources when you want a second set of eyes before buying coverage or sending proof of insurance.
Contractor Insurance Checklist Infographic
A quick visual summary of the main contractor insurance items Greenville businesses should review before bidding work, signing contracts, or sending a COI.
Core policies
- General liability
- Workers compensation if required
- Commercial auto or hired and non-owned auto
- Commercial umbrella for higher limits
Job-site risks
- Tools and equipment
- Installation materials
- Rented equipment
- Property in transit
Contract details
- Required limits
- Additional insured
- Waiver of subrogation
- Primary and noncontributory wording
Subcontractors
- Collect COIs
- Check policy dates
- Review limits
- Keep records by project
Official reference links: South Carolina Workers’ Compensation Commission South Carolina Contractors Licensing Board
Frequently Asked Questions
What insurance should a Greenville contractor review first?
Most contractors should start with general liability, workers compensation if they have employees, commercial auto if vehicles are used for business, and tools or equipment coverage when property moves between job sites.
Do subcontractors need to give me a COI?
It is a good practice to collect current certificates from subcontractors before they start work. The certificate should match the contract requirements and be kept with the project records.
Is workers compensation always required for contractors in South Carolina?
South Carolina rules can depend on employee count and exceptions. Contractors should verify their situation with the South Carolina Workers’ Compensation Commission and their insurance advisor before assuming they are exempt.
Have Morgano Review the Checklist
Send the checklist details before you bind coverage, sign a contract, or send a COI. Morgano can help compare options and point out coverage questions worth reviewing.
The Morgano Agency Inc
206B Pine Knoll Dr, Greenville, SC 29609
Phone: (864) 609-5285 | Fax: (864) 609-5689
Email: vic@morganoagency.com
Monday – Friday, 9:00 AM – 5:00 PM