One lawsuit or accident can threaten everything you've built. As an independent agent in Lexington, SC, I help small businesses find the right commercial coverage at a competitive price.
Business insurance in South Carolina is a category of coverage that protects companies from financial loss due to liability claims, property damage, lawsuits, and operational disruptions. Most SC small businesses begin with a Business Owners Policy (BOP), which bundles general liability with commercial property coverage at a lower combined cost than buying each separately. SC also requires workers compensation insurance for businesses with 4 or more employees, with limited exceptions.
Common SC business insurance coverages:
From sole proprietors to growing small businesses, we find the right coverage combination for your specific operation.
Covers bodily injury and property damage claims made against your business. Often required by clients and landlords. The foundation of any business insurance plan.
Bundles general liability and commercial property coverage into one convenient policy — typically at a lower cost than buying each separately. Ideal for most small businesses.
Personal auto insurance doesn't cover vehicles used for business purposes. If you or your employees drive for work, commercial auto coverage is essential.
Required in SC for most businesses with four or more employees. Covers medical costs and lost wages for employees injured on the job.
Also called Errors & Omissions (E&O). Protects you if a client claims your professional advice or services caused them financial harm.
Covers costs related to data breaches, cyberattacks, and privacy violations. Increasingly important for any business that stores customer data.
We work with a wide range of small businesses across the Midlands and throughout South Carolina.
Learn More
In-depth articles from Ben Mauldin covering commercial insurance for South Carolina small businesses.
A complete guide to the core types of business insurance and which ones apply to common Lexington business types.
Read the guide →Most remote workers have a $4,000+ coverage gap. Here's what your HO policy actually covers — and how to fix it.
Read the guide →The three coverage gaps every SC home-based business faces — and how to close them affordably.
Read the guide →Don't leave your business exposed. Call us today and we'll find the right coverage to protect what you've built.
Ben Mauldin | 803-920-8827 | ben@mauldininsurancegroup.com