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Business Insurance 101 in South Carolina

Business Insurance

Sometimes business insurance in South Carolina can be confusing, but at The Morgano Agency we can assist in finding your South Carolina business the right coverage at an affordable price.  All businesses have liability & work comp coverage, but many times just the basic insurance may not cover all the needs that your business may have.

We can customize a business insurance package that will cover all the risks you may encounter with your particular business.  Common insurance coverages that all businesses have include general liability, workers compensation and business owners policies.

Here are some additional coverages that you may not have considered for your business:

  • Commercial Umbrella – a complete package to pick up where your general liability, commercial auto or business owners policies may leave off.
  • Commercial Auto – some businesses may need additional commercial vehicle coverage for employees and business autos.
  • Professional Liability – insurance coverage needed to cover claims or damages that arise out of providing professional services or advice to clients.
  • Cyber Liability - the risk by business done over the internet, networks and/ or document storage. It covers hackers or breaches that may occur.

Let The Morgano Agency do a risk evaluation of your business and business practices to see where you may have any holes in coverage.