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Commercial Auto Insurance in South Carolina

For South Carolina superload moves weighing at least 180,000 pounds or measuring at least 16 feet wide, SCDOT requires insurance proof with the permit application and its March 2026 guidance sets $1 million auto liability plus $1 million general liability. Household-goods carriers also file liability and cargo forms with the Office of Regulatory Staff under a GVWR-based schedule. 1,2

What Is Commercial Auto?

Commercial auto suits businesses that use vehicles for work and need liability protection; damage to your own vehicles is a separate coverage choice. If employees drive personal or rented cars, check how those trips are handled. Read the national Commercial auto guide.

South Carolina Requirements

RequirementDetails
SCDOT superload insurance$1,000,000 automobile liability and $1,000,000 general liability 1
HHG carrier liability, under 10,000 lb GVWR$500,000 2
HHG carrier liability, 10,000 lb GVWR or more$750,000 2
HHG carrier cargo proof$2,500 per vehicle; $5,000 at any one time and place 2

What to Watch for in South Carolina

  • Superload Size Triggers Application Proof

    SCDOT’s March 2026 guidance requires proof with the permit application when gross vehicle weight is at least 180,000 pounds or overall width is at least 16 feet; it calls for $1 million automobile and $1 million general liability. Name the SCDOT permit office as certificate holder. 1

  • Household-Goods Liability Tracks GVWR

    The PSC/ORS household-goods application schedule lists $500,000 vehicle liability below 10,000 pounds GVWR and $750,000 at 10,000 pounds or more. Match the limit to each vehicle’s rating and ensure the authority file has the required certificate. 2

  • Household-Goods Cargo Is Also Filed

    The South Carolina household-goods carrier form requires Form H cargo proof: $2,500 for loss or damage on one vehicle and $5,000 aggregate at any one time and place. Review that separately from the Form E liability certificate. 2

  • For-Hire Carrier Rules Depend on Service

    South Carolina’s Department of Insurance directs operators of for-hire vehicles such as taxis and buses to the PSC for additional information. If your operation is not household-goods or a superload but still transports for hire, verify its exact PSC class and certificate schedule before assuming a limit. 3

Who Regulates Insurance in South Carolina

South Carolina Department of Insurance

The South Carolina Department of Insurance licenses and regulates insurance companies and producers and accepts complaints involving entities it licenses and policies incepted in South Carolina. Its consumer page links to the online complaint form and explains limits on the Department’s authority. 4,5,6

Surplus-lines tax and stamping office

Reported tax rate: 6% blended broker premium tax: 4% state plus 2% municipal SCDOI’s January 2026 instructions set a 6% blended surplus-lines broker premium tax: 4% state and 2% municipal; the Department collects both and the Municipal Association of South Carolina allocates the municipal share. The filing system also asks brokers to identify one to three insurers that declined the indicated coverage; check the policy notice for any guaranty-association disclosure. 7,8

Providers With Documented State Licenses

These providers publish a national listing for Commercial auto; the state records document licenses for the entities and roles shown below. Some records rely on company-reported information rather than independent regulator verification. A national listing does not confirm the product is available in South Carolina. Check the regulator’s license lookup and confirm state availability for your business when requesting a quote.

  • CorgiCorgi Insurance Services, Inc.Insurance producer · checked 2026-09-28Corgi’s company producer-license table lists 50 jurisdictions: 49 states and the District of Columbia, including DC license 3003091619. New Mexico does not appear in the table and is not included here; the omission does not establish that Corgi is unlicensed there. The company-reported table has no stated as-of date and does not establish product availability. 11
  • TechInsuranceSpecialty Program Group LLCInsurance producer · checked 2026-09-28TechInsurance’s current licensing page names Specialty Program Group LLC / SPG Insurance Solutions and lists state license numbers, but labels Rhode Island “Individual licenses” rather than identifying a license for the named agency. RI is omitted because this disclosure does not establish agency authority there; this is a search limitation, not an assertion that the company is unlicensed. The remaining state entries are company-reported and are not an insurance product availability map. 14

Questions to Ask Before You Buy in South Carolina

  1. Does this move meet SCDOT’s superload trigger of 180,000 pounds or 16 feet wide, and does the certificate name the permit office?
  2. For each household-goods truck, does GVWR put it below 10,000 pounds or at/above that threshold?
  3. Are Form E liability and Form H cargo certificates both filed with ORS for our household-goods authority?

Commercial Auto in South Carolina: FAQ

What insurance does South Carolina require for a superload permit? 1

SCDOT requires permit-application insurance proof for a move at least 180,000 pounds gross or 16 feet wide. Its March 2026 guidance calls for $1 million auto liability and $1 million general liability. 1

What insurance do South Carolina household-goods carriers file? 2

The PSC/ORS schedule lists $500,000 liability below 10,000 pounds GVWR and $750,000 at or above 10,000 pounds, plus separate Form H cargo limits of $2,500 per vehicle and $5,000 at one time and place. 2

Commercial Auto in Other States

Other Coverage in South Carolina

Sources

  1. Guidelines for Movement of Oversize/Overweight Loads (rev. March 2026). South Carolina Department of Transportation; General Guidelines §4–5: $1 million automobile and general liability; superload insurance application proof at >=180,000 lb GVW and/or >=16 ft width; certificate holder; rev. 3/2026, accessed 2026-09-28. Accessed 2026-09-28.
  2. Class E New/Amend/Reinstate Carrier Application and Insurance Schedules. Public Service Commission of South Carolina; Household-goods schedule in application: Form E/H filed with ORS; liability $500,000 <10,000 GVWR/$750,000 >=10,000; cargo $2,500 any vehicle/$5,000 any time and place; form dated 2022-05-12, accessed 2026-09-28. Accessed 2026-09-28.
  3. Auto Insurance Frequently Asked Questions. South Carolina Department of Insurance; For-hire service inquiry directs taxi/bus and other vehicles for hire to PSC; current FAQ accessed 2026-09-28. Accessed 2026-09-28.
  4. south-carolina insurance regulator. State insurance regulator; Official home and consumer services pages describe regulator scope. Accessed 2026-09-28.
  5. SCDOI Online Services. State insurance regulator; General Public offers Licensee Lookup for licensed individuals and insurers. Accessed 2026-09-28.
  6. SCDOI Consumer Services. State insurance regulator; Complaint process and stated authority covers licensed entities and policies incepted in SC; online complaint form is linked. Accessed 2026-09-28.
  7. 2026 Surplus Lines Filing Instructions. South Carolina Department of Insurance; Pages 1–2, January 26 2026 memo: 6% blended rate, 4% state plus 2% municipal; DOI collects both and MASC allocates municipal portion. Accessed 2026-09-28.
  8. 2026 Surplus Lines Filing Instructions. South Carolina Department of Insurance; Pages 1–2, Jan. 26, 2026 instructions: broker filing due-diligence field requires one to three named insurers declining the indicated coverage. Accessed 2026-09-28.
  9. Licenses. At-Bay; Current producer introduction and state table; At-Bay Insurance Services LLC; P&C and surplus-lines identifiers. Accessed 2026-09-21.
  10. Licenses and Carriers. Coalition; Licenses and Carriers, re-read 22 September 2026: Insurance Licenses table for Coalition Insurance Solutions, Inc., national producer number 18419475, with producer and surplus-lines numbers for all 50 states and DC including California 0L76155, Georgia 196479, Texas 2199630 and 2205589, Pennsylvania 815731 and 817452, Colorado 539028 and Wisconsin 3000108852. Insurance Carriers table naming, with NAIC numbers, Allianz Underwriters Insurance Company 36420, Arch Specialty Insurance Company 21199, Ascot Specialty Insurance Company 45055, Ascot Insurance Company 23752, Aspen Specialty Insurance Company 10717, Chaucer Insurance Company DAC, Coalition Insurance Company 29530, Fireman's Fund Indemnity Corporation 11380, Fortegra Specialty Insurance Company 16823, Lloyd's of London, MSIG Specialty Insurance USA Inc. 34886, MS Transverse Specialty Insurance Company 41807, Steadfast Insurance Company 26387, Vantage Risk Specialty Insurance Company 16275 and Zurich American Insurance Company 16535. Accessed 2026-09-22.
  11. Insurance Producer Licenses. Corgi Insurance; Current complete Insurance Producer Licenses table for Corgi Insurance Services, Inc.; 50 rows covering 49 states and DC (DC 3003091619); no New Mexico row; no NPN or as-of date shown. Accessed 2026-09-28.
  12. About Hiscox US Insurance. Hiscox; Hiscox Insurance Company Inc. NAIC 10200 as Chicago, IL domiciled insurer admitted or licensed in all 50 states and D.C.; Hiscox Inc. as general agent and Lloyd’s coverholder for Syndicates 33 and 3624; surplus-lines placements through licensed surplus-lines brokers; A.M. Best rating statement. Accessed 2026-09-16.
  13. Licenses. ERGO NEXT Insurance; Current entity-by-state license table reopened 28 September 2026: 50 rows under Next First Insurance Agency, Inc., including Washington, DC; New York rows instead list Next Insurance Services PC-1423070 and AP Intego BR-1198885. Accessed 2026-09-28.
  14. Insurance Licenses by State. TechInsurance; Current state table; identifies TechInsurance as a division of Specialty Program Group LLC d/b/a SPG Insurance Solutions; lists DC 3000041536 and labels Rhode Island “Individual licenses,” without an agency license number. Accessed 2026-09-28.
  15. Licenses. Vouch; Effective 16 January 2025: Vouch Specialty Insurance Services, LLC, NPN 19926463; P&C table (50 states and DC); surplus-lines table includes Idaho 870820; footnote says Georgia and Idaho do not issue agency-level surplus-lines licenses; Idaho retained as producer-only due to conflict. Accessed 2026-09-15.

Updated .

This guide is informational and does not determine whether a policy is available or meets your needs. Editorial policy. To suggest a correction, contact Spot with a supporting source.

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