Independent insurance agencySouth Carolina General Liability Insurance
General liability for South Carolina contractors, shops and service businesses, from an independent agency that compares options instead of selling one company’s policy. America Insurance Brokers is licensed in South Carolina.
Clicking securely pulls in your current coverage so AIB can shop our 35+ carrier appointments for you.
One local agent for your South Carolina business insurance
America Insurance Brokers is an independent agency, so we work for you, not for one insurance company. You get one local agent who takes the time to learn your business, shops your coverage across our 35+ carrier appointments, and brings back clear options you can compare side by side.
We keep quotes fast and simple, explain what each policy does and doesn’t cover in plain English, and stay with you after the sale for certificates of insurance, policy changes, questions and a review at every renewal.
Coverage we help South Carolina businesses put together
- General liability
- Business owner’s policy (BOP)
- Workers’ compensation
- Commercial auto
- Commercial property
- Umbrella & excess liability
- Professional liability (E&O)
- Tools & equipment (inland marine)
Whether you’re a one-person contractor or a growing company with employees and vehicles, we’ll help you fit the pieces together so your coverage matches the way you actually work.
Get a general liability quote
A few quick steps. A local AIB agent will follow up.
General liability markets for South Carolina businesses
The Hartford
Insurance carrier
- Small-business package coverage through The Hartford's Spectrum Business Owner's Policy.
- Writes many contractor classes; AIB confirms fit and availability at quote.
Travelers
Insurance carrier
- Small-business coverage including a business owner's policy and general liability.
- Policyholders get access to MyTravelers risk-control tools for safety and risk management.
Liberty Mutual
Insurance carrier
- Small-business coverage including a business owner's policy, general liability, property, auto and umbrella.
- AIB can compare Liberty Mutual's small-business options side by side with other South Carolina markets.
Nationwide
Insurance carrier
- Small commercial coverage tailored to small businesses.
- Nationwide has expanded its small-business appetite, including professional and financial services firms.
Main Street America
Insurance carrier
- Commercial coverage on its Main Street Commercial+ policy platform.
- Sold through independent agents like AIB.
Coterie
Insurance provider
- Fast, digital quoting. Coverage is quoted and bound through Coterie for eligible small businesses.
- Certificates of insurance on demand once a policy is in force.
- Home-based and newer businesses may qualify.
Attune
Insurance provider
- Small-business general liability and related coverages placed through Attune for eligible South Carolina risks.
- Digital quoting for many artisan-contractor and service-business classes; AIB confirms fit and availability at quote.
BTIS
Insurance provider
- Small-business general liability, with markets designed for small-to-medium artisan and trade contractors.
- AIB confirms which BTIS options fit your South Carolina business and are available at quote.
Hiscox
Insurance provider
- Monoline general liability for small businesses, with professional liability and cyber available to round out coverage.
- Fast digital quoting for eligible professions; certificates of insurance available once a policy is in force.
Frank Winston Crum
Insurance provider
- Insurance provider AIB can access for eligible South Carolina contractor and service risks, including general liability where the market fits.
- Preferred contractor and service classes that overlap our GL trades include electrical, plumbing, painting, janitorial, and remodel-related carpentry and finish work; AIB confirms fit and availability at quote.
Plus more carriers and specialty markets
Through AIB’s 35+ carrier appointments
Beyond the carriers above, AIB can shop additional small-business insurers and specialty markets for South Carolina businesses. Which ones fit depends on your business, your history and each company’s current appetite, so availability is confirmed by AIB at quote.
- Standard carriers for established businesses
- Specialty markets for harder-to-place operations
- Workers’ comp, commercial auto, umbrella, and surety or contractor bonds through AIB
Click here to call or email sales@goaib.com. All quotes and service go through AIB.
Clicking securely pulls in your current coverage so AIB can shop our 35+ carrier appointments for you.
Coverage guides by profession
South Carolina cities
Largest cities
- Columbia
- Charleston
- North Charleston
- Mount Pleasant
- Rock Hill
- Greenville
- Summerville
- Sumter
- Hilton Head Island
- Florence
- Spartanburg
- Goose Creek
- Bluffton
All 271 cities, by county
Abbeville County (7)
Anderson County (11)
Beaufort County (7)
Berkeley County (9)
Calhoun County (2)
Charleston County (18)
Cherokee County (4)
Chester County (5)
Chesterfield County (8)
Clarendon County (4)
Colleton County (6)
Darlington County (4)
Dorchester County (7)
Edgefield County (4)
Fairfield County (4)
Florence County (9)
Georgetown County (3)
Greenville County (6)
Greenwood County (5)
Horry County (8)
Jasper County (2)
Lancaster County (4)
Laurens County (7)
Lee County (2)
Lexington County (15)
Marlboro County (5)
McCormick County (3)
Newberry County (7)
Oconee County (5)
Orangeburg County (17)
Richland County (7)
Saluda County (5)
Spartanburg County (14)
Sumter County (3)
Union County (4)
What general liability covers
Bodily injury
A customer, visitor or other third party is hurt at your location or because of your work.
Property damage
You damage someone else’s property, like flooding a client’s kitchen or cracking a countertop.
Products & completed work
Claims that come up after your job is finished or your product is sold.
Personal & advertising injury
For most businesses: claims like libel, slander or certain advertising mistakes.
Medical payments
Small medical bills for a non-employee hurt on your premises, often regardless of fault.
Legal defense
Defense costs for covered claims, which can cost more than the settlement itself.
What general liability usually does not cover: injuries to your own employees (workers’ comp), your own building, tools and inventory (property, a BOP or inland marine), vehicle accidents (commercial auto), mistakes in professional advice (professional liability) and data breaches (cyber). Policy wording controls; we explain the gaps before you buy.
Get a South Carolina general liability quote
Start online in a couple of minutes, or call. A licensed AIB agent compares the markets that fit your business.
Clicking securely pulls in your current coverage so AIB can shop our 35+ carrier appointments for you.
Prefer email? Write to sales@goaib.com for quotes, certificates and service.
Coverage is subject to underwriting review and approval. Availability varies by state, insurance provider and business type. The insurance providers named are markets AIB works with. Being listed does not guarantee a quote or coverage. Contact AIB for a quote.
America Insurance Brokers is an independent insurance agency. © 2026 America Insurance Brokers.