Business Insurance in South Carolina (2026 Guide)
South Carolina has 450,000+ small businesses. Charleston and Greenville are two of the South's hottest growth markets, pulling construction and service trades toward both coasts of the state. Here is everything you need to know about coverage requirements, costs, and licensing in South Carolina.
South Carolina Insurance Overview
South Carolina requires general contractors for projects over $5,000 to be licensed with proof of insurance.
Major Business Centers in South Carolina
Average Insurance Costs in South Carolina
Costs shown are estimated monthly premiums for common trades, adjusted for South Carolina's market.
| Trade | GL Est. | WC Est. |
|---|---|---|
| Plumber | $100/mo | $170/mo |
| HVAC Contractor | $120/mo | $185/mo |
| Electrician | $105/mo | $190/mo |
| General Contractor | $130/mo | $210/mo |
| Handyman | $55/mo | $105/mo |
| Cleaning Business | $40/mo | $120/mo |
| Landscaper | $75/mo | $85/mo |
| Roofer | $165/mo | $310/mo |
| Painter | $65/mo | $90/mo |
| Pest Control | $90/mo | $165/mo |
Estimates only. Actual premiums vary. Get a free quote for exact pricing.
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South Carolina Business Insurance Requirements
South Carolina premiums run about 12% below average, and the $5,000 GC licensing threshold pulls even small operators into the licensed, insured market.
South Carolina requires general contractors for projects over $5,000 to be licensed with proof of insurance.
Visit the South Carolina Department of Insurance →Climate context: Hurricanes, coastal flooding, and inland tornadoes are among the weather risks South Carolina businesses face — a factor carriers price into local premiums and that businesses should consider when selecting coverage limits.
Workers Compensation in South Carolina
Workers compensation in South Carolina is required when you have 4 or more employees, administered by the South Carolina Workers Compensation Commission. The system type is Private Market.
Browse by Profession in South Carolina
Select your trade for a detailed guide covering South Carolina-specific requirements, costs, and top insurance providers.