What insurance does my business need?

Workers' comp in South Carolina is generally required once you have four or more employees, and that count includes part-time workers. There are a few exceptions, so ask us about yours.

Your personal auto may not cover work driving. If a vehicle is titled to the business or used mostly for work, it usually needs a commercial auto policy.

Contracts often set the limits. Landlords, general contractors and big customers often require certain coverages and certificates before you can start work.