South Carolina Contractor Insurance
South Carolina contractor insurance from a veteran-owned Florida agency licensed in South Carolina.
- Veteran-Owned
- 100+ Yrs Experience
- Fast Certificates
- Real Agents
- Florida Experts
- Veteran-OwnedIndependent agency
- 100+ Years CombinedCommercial expertise
- Florida-ResidentDeLand, FL office
- 24-Hour COIsMost certificates same business day
Trusted Carrier Partners
Why First Commercial
Why Florida Businesses Choose Us
We focus on the commercial insurance lines that need real expertise — and we treat every client like a long-term partner, not a policy number.
Bundled Contractor Package
GL, workers comp, commercial auto, inland marine — written together.
Venue & GC Certificates
Additional insured, waiver of subrogation, primary/non-contributory wording.
Florida-Resident Agency
We know the carriers, the inspectors, and the local job-site dynamics.
Real People Answer
Same-day phone access during business hours. No phone trees.
Who we cover in South Carolina
Construction contractors across trades — general contractors, electrical, plumbing, HVAC, roofing, concrete, landscaping, painting, and handyman operations.
What South Carolina requires
- Regulator: SC Department of Labor, Licensing and Regulation
- Workers compensation threshold: 4 or more employees for construction; 4 or more for non-construction.
South Carolina climate and risk considerations
Coastal exposure in Charleston and Myrtle Beach drives named-storm deductibles. SC LLR handles contractor licensing tiers and amusement ride registration.
- Hurricane (coastal)
- Humidity
Common South Carolina venue requirements
Most South Carolina venues require a certificate of insurance with at least $1M per occurrence and $2M aggregate, plus the venue named as additional insured. Common South Carolina markets we issue certificates for:
- Charleston corporate, school, and county venues
- Columbia corporate, school, and county venues
- Greenville corporate, school, and county venues
- Myrtle Beach corporate, school, and county venues
What affects cost in South Carolina
South Carolina requires workers compensation for construction at 4 or more employees and for non-construction at 4 or more. Premium depends on revenue, payroll, project mix, claims history, and tool inventory. Coastal exposure in Charleston and Myrtle Beach drives named-storm deductibles. SC LLR handles contractor licensing tiers and amusement ride registration.