General Contractor Insurance in South Carolina

General contractor insurance that's made for your South Carolina business

We’re dedicated to helping you get the general contractor insurance coverage you need to protect your business from accidents, injuries, property damage and legal fees. Popular insurance bundles for general contractor business in South Carolina include:

General liability

Professional liability

Commercial auto

Workers’ compensation

Tools & equipment

Commercial property

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We’ll help you get the business insurance coverage you need in South Carolina

It’s all about managing your risk. See the different policies available for general contractor business in South Carolina and save up to 10% when you bundle.

General Liability

Bought by 95% of business owners like you

General liability insurance covers the risks that affect almost every general contractor business. It’s the most common insurance for small businesses and entrepreneurs, and it’s typically the first policy purchased by new businesses.

General Liability can help you pay for:

Medical payments

Property damage

Legal fees and judgments

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Professional Liability (e&o)

Bought by 80% of business owners like you

Professional liability insurance can help to pay for damages and lawsuit costs if you or your general contractor business is accused of work errors or incomplete projects that cause a client to lose money.

Professional Liability (e&o) can help you pay for:

Legal defense costs

Legal judgments

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Commercial Auto

For business owners who own or drive vehicles

Commercial auto insurance is essential if you have vehicles that are titled to your general contractor business that you or your employees drive. Your personal car insurance policy probably won’t be enough to cover your work-related driving accidents.

Commercial Auto can help you pay for:

Medical expenses

Collision repairs

Rental reimbursement

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Workers' Compensation

For business owners who hire employees

Workers’ compensation insurance can help pay for medical care and lost wages after a workplace injury. It’s almost always required if your general contractor business has employees. Choose business owner’s coverage with your policy to protect yourself.

Workers' Compensation can help you pay for:

Medical expenses

Lost wages

Employer liability

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Tools & Equipment

Protection for your gear and equipment

Tools and equipment coverage makes sure your gear is protected wherever you keep it — in your vehicle, in a trailer or at a job site. If your tools are lost, damaged or stolen, this coverage will help pay for replacements or repairs.nTools and equipment insurance is available as an add-on to our general liability insurance.

Tools & Equipment can help you pay for:

Protection for your gear and equipment

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Commercial Property

For business owners who own or rent physical spaces

Commercial property coverage helps protect almost all of the physical items you need to run your general contractor business, including your equipment, inventory and furniture. And the business income coverage in your property insurance could help cover the revenue you would have earned after an unforeseen flooding, as well as ongoing business expenses while you are closed.

Commercial Property can help you pay for:

Damaged equipment and inventory

Lost income

Operating expenses

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How much does it cost to get general contractor insurance in South Carolina?

The exact amount that a general contractor business can expect to pay for business insurance depends on a number of factors, including:

The kind of work you do
How many employees you have
The number of vehicles you use for work
How long you’ve been in the industry

Business insurance typically costs a general contractor business in South Carolina about $13 each month.

You automatically save 10% if you combine more than one type of policy together. For example, if you add a commercial auto policy to your existing general liability policy, you’ll save 10% right off the bat.

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What are the general contractor insurance requirements in South Carolina?

From your first day of business to your latest employee hire, NEXT is here to help your business thrive. Our flexible small business insurance provides the protection you need to get going and keep on growing. You might need insurance to:

Hire people. South Carolina business requires workers’ compensation if you have employees.

Drive for work. Business-owned vehicles almost always need commercial auto insurance.

Repair or replace property you own or rent. Protect your inventory, equipment and even the building that you lease or own.

Meet industry standards and state requirements for a general contractor business.

Grow with your business as you experience fluctuations.

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Frequently asked questions about general contractor business insurance

Here are some of the most common questions we get about general contractor business insurance. If you don’t find the answers you need here, our licensed, U.S.-based insurance advisors are standing by to help via online chat or phone.

Does NEXT Insurance offer general contractor business insurance in South Carolina?

Yes, NEXT Insurance offers tailored general contractor business insurance in South Carolina.

Does NEXT Insurance offer General Liability coverage for general contractor business in South Carolina?

Yes, NEXT Insurance offers General Liability, Professional Liability, Commercial Auto, Workers' Compensation, Tools & Equipment, Commercial Property coverage for general contractor business in South Carolina.

How does business insurance protect event planners?

Our event planner insurance packages are designed to protect your business from a variety of risks and help you save money to grow your business. You’ll be protected from financial losses related to:

Damage to someone’s property

One of your subcontractors accidentally cracks a large window at an event space. The general liability coverage in your insurance package would help pay for a replacement.

Accidents that hurt someone

A client slips and falls on the front steps when arriving at your office. Your general event planner liability insurance coverage would also come into play here by helping to pay for medical costs and legal fees.

Professional mistakes

A client claims they had to pay extra catering fees because you added incorrect information to the service agreement. Professional liability insurance helps you defend yourself if you’re accused of making a mistake that causes someone to lose money.

Workplace injuries

You throw out your lower back while helping to set up tables for a party and you have to take off two weeks during peak season to recover. Workers’ compensation insurance with business owner’s coverage can help cover medical bills and lost wages. Workers’ comp is usually required by law if you have employees.

Injuries and damage involving your business vehicles

Your car slides on a slippery road and hits a parked car. Commercial auto insurance will help pay for the repairs. This coverage is also usually required by law for business-owned vehicles.

Damage to your own property

A tree falls over and damages the roof of your office. Commercial property insurance can help with replacement or repair costs if your owned or leased property is damaged due to a covered event, such as a burst water pipe, fire, tornado or vandalism.

How can I get a certificate of insurance?

You’ll have instant access to your certificate of insurance 24/7 from your computer or mobile device when you purchase coverage with Next. There’s no waiting for anyone, no need to print anything and definitely no fax machines. If you’re a new or current Next Insurance customer, all you need to do is log in to your account and your Live Certificate delivers you the proof of insurance you need instantly, for free. You can easily share your COI with anyone via email, text message or a social media post. We provide unlimited certificates and you can also add an additional insured for free. If you decide to change your coverage, your certificate will be automatically updated. Find out more details about your certificate of insurance.

What do I need to get an insurance quote online?

We keep it simple and straightforward so you can find the coverage that’s right for you within a few minutes. When you start a quote for insurance, we’ll ask you a few basic questions about your business, including: the kind of services you provide, the location of your office or where you plan to work, how many people you employ and how much you pay them and the number and type of vehicles you use for work.

How does the claims process work with NEXT Insurance?

If you’re a policyholder, you can file a claim any time by logging in to your account at www.nextinsurance.com and clicking the “File a claim” under the "About us" tab. You can expect a call from us shortly after you submit a claim to go over the details.
If you do not have a policy with us and are filing against one of our policyholders, you can head over to our website at www.nextinsurance.com, select “Help Center” under our “Support” tab, and under “Quick Actions for Customers” click where it says ”Not a policyholder and want to file a claim?”
If you cannot access your online account or would prefer to speak with an agent, call us at 855-222-5919 between 6 a.m. and 5 p.m. PT, Monday to Friday.

General Contractor Insurance in South Carolina

General contractor insurance that's made for your South Carolina business

Save up to 30% on general contractor business insurance in South Carolina