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South Carolina Small Business Insurance

While running a small business in South Carolina comes with its share of rewards, being a small business owner comes with a host of challenges and risks, as well. No matter what industry you're in, you may not always be able to foresee a hazard coming your way. On-the-job accidents and third-party lawsuits can't always be avoided, but fortunately, you can be prepared for a variety of unexpected situations. Learn more about the small business insurance policies offered through AmVenture Insurance Agency, Inc. to better safeguard your business today.

Insurance Plans for Small Businesses in South Carolina


South Carolina has a stable economy and a favorable tax structure for businesses, making it an ideal state for many small businesses to get their start. South Carolina's financial success stems largely from small business owners like you who generate revenue and create new job opportunities for the state's labor force, year after year. Working with AmVenture to build a bespoke small business insurance package is one way to help safeguard your future and contribute to the growth of both your business and this state's economy for years to come.

Types of Coverage for Small Businesses in South Carolina

Under South Carolina state law, most small business owners are required to provide workers' compensation coverage for their employees, although some exclusions apply. To further protect your business, it may be well worth your consideration to opt for additional small business insurance coverage, such as:

Workers' Compensation Insurance

With workers' compensation insurance, your employees may be covered if they suffer a workplace accident, injury, or illness. Workers' comp benefits can include compensation for medical expenses, lost income, diagnostic testing, and job-retraining. For employers, a workers' comp policy can help your business avoid paying for the whole cost of a workers' comp claim out-of-pocket and may even help you avoid litigation.

Businessowners Policy

A common small business insurance staple, a businessowners policy (BOP) bundles multiple coverage lines to help protect your business in the event of the following risk factors:

  1. Liability claims: costs associated with third-party lawsuits involving property damage, bodily injury, copyright infringement, advertising injury, and more
  2. Property damage: costs associated with damage caused to your commercial property or resources due to vandalism, theft, or fire
  3. Business interruption: income lost during a covered business closure or during the rebuilding process after a covered loss

In essence, a businessowners policy bundles general liability and commercial property insurance into one package, which can offer a more economical way for many small business owners to get this coverage.

Employment Practices Liability Insurance

It may not always be possible to keep your staff happy. If a current or former employee files a lawsuit against your business for wrongful termination, discrimination, or harassment, employment practices liability insurance could help cover your legal expenses.

Cyber Liability Insurance

We live in a technological society, and if you conduct business online, you may be exposed to certain risks such as a data breach or cyber attack. This type of policy can help you recover financially if you become a victim to one of these situations.

Where Can I Purchase Small Business Insurance in South Carolina?

At AmVenture, our trained insurance professionals understand the importance of listening to you and helping you find a small business insurance package for your business. To begin the process, contact us today or fill out our simple form online to request a free quote.

About AmVenture

  • “A” (Excellent) by A.M. Best Company

    Our affiliated insurance carriers are rated “A” (Excellent) by A.M. Best Company, a widely recognized provider of ratings, financial data and news with an exclusive insurance industry focus.

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  • 24/7 online claim filing

    Our affiliated carriers provide 24/7 online claim filing so you don’t lose valuable time between claim and resolution.

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  • Workers’ compensation

    We specialize in workers’ compensation for small- to mid-sized “Main Street” businesses, supported by an experienced and dedicated staff.

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  • Superior service

    Our goal is to provide a competitive premium cost while delivering superior service that allows you – as a small business owner – the security of knowing your business is protected.

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(877) 813-8518