---
title: "Business Insurance in South Carolina"
description: "34 state-specific insurance coverage guides, plus South Carolina Department of Insurance contact and license lookup resources for South Carolina."
canonical: "https://spot.insure/coverage/states/south-carolina"
page-type: "coverage-state-hub"
updated-at: "2026-09-28"
---

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# Business Insurance in South Carolina

## Insurance Regulator

**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.[^1][^2][^3]

- [Regulator website](https://doi.sc.gov/)
- [License lookup](https://online.doi.sc.gov/Eng/Public/Common/OnlineServices.aspx)
- [File a complaint](https://doi.sc.gov/consumers)

## 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.[^4][^5]

## Coverage Guides

- [General Liability Insurance in South Carolina](/coverage/general-liability/south-carolina): For construction contracts, South Carolina bars shifting an indemnitee’s sole-negligence liability but preserves specified promisor-fault indemnity; its tort-allocation statute changed January 1, 2026.
- [Directors and Officers (D&O) Insurance in South Carolina](/coverage/directors-officers/south-carolina): See how South Carolina's corporate indemnification and insurance statutes affect the D&O policy questions you should ask.
- [Technology E&O Insurance in South Carolina](/coverage/technology-errors-omissions/south-carolina): A contract action is generally three years, and a defendant under half of the total fault pays only that share of indivisible damages.
- [Cyber Liability Insurance in South Carolina](/coverage/cyber/south-carolina): South Carolina has no fixed consumer-notice day count, but more than 1,000 notices trigger reports to the state Consumer Protection Division and nationwide credit agencies.
- [Media Liability Coverage in South Carolina](/coverage/media/south-carolina): South Carolina gives two years for libel and slander. Its general limitation rule runs from accrual unless a special statute applies, so an editor should preserve the publicat
- [Employment Practices Liability in South Carolina](/coverage/employment-practices/south-carolina): South Carolina’s Human Affairs Commission accepts employment intakes within 180 days; claims filed later may be transferred to EEOC only before day 300.
- [Fiduciary Liability Insurance in South Carolina](/coverage/fiduciary/south-carolina): Review South Carolina retirement-program and payroll duties alongside the employer’s plan-sponsor responsibilities.
- [South Carolina Hired and Non-Owned Auto Coverage](/coverage/hired-non-owned-auto/south-carolina): South Carolina requires auto liability policies to protect the named insured and people using or responsible for a vehicle with express or implied consent.
- [Professional Liability (E&O) Insurance in South Carolina](/coverage/professional-errors-omissions/south-carolina): See South Carolina’s home-inspector report rules and what the state’s licensing chapter does and does not set for E&O.
- [Workers’ Compensation Insurance in South Carolina](/coverage/workers-compensation/south-carolina): Learn when South Carolina businesses must secure workers’ compensation, which exceptions apply, and what coverage route to discuss with a broker.
- [South Carolina Business Owner’s Policy Guide](/coverage/business-owners-policy/south-carolina): Coastal South Carolina businesses may need separate wind, flood and earthquake decisions alongside a BOP.
- [South Carolina Umbrella and Excess Liability Guide](/coverage/umbrella-excess/south-carolina): South Carolina auto policies must include $25,000/$50,000/$25,000 and may provide more, while a defendant under 50 percent of total fault owes only that percentage.
- [South Carolina medical malpractice insurance guide](/coverage/medical-malpractice/south-carolina): See how South Carolina’s 2026 indexed noneconomic-damages limits, presuit procedure and residual-market association affect medical malpractice insurance decisions.
- [Representations and Warranties Insurance in South Carolina](/coverage/representations-warranties/south-carolina): Check South Carolina contract claim deadlines against negotiated representation survival, policy notice dates, and any home-state surplus-lines tax.
- [Kidnap and Ransom Insurance in South Carolina](/coverage/kidnap-ransom/south-carolina): See how South Carolina's surplus-lines tax and insurer insolvency rules can affect a K&R quote.
- [South Carolina Crime Insurance Guide](/coverage/crime/south-carolina): How South Carolina funds-transfer and computer-crime laws shape questions to ask about commercial crime coverage.
- [Commercial Auto Insurance in South Carolina](/coverage/commercial-auto/south-carolina): South Carolina’s superload permit guidance requires $1 million auto liability and $1 million general liability; for-hire and household-goods carriers have separate regulator filings.
- [Cargo insurance for South Carolina shipments](/coverage/cargo-transit/south-carolina): Check whether a South Carolina carrier's state authority and cargo filing match the goods you entrust to it—and separately protect your own cargo interest.
- [Liquor Liability in South Carolina](/coverage/liquor-liability/south-carolina): South Carolina sets liquor-liability coverage rules for many on-premises sellers that remain open after 5 p.m., with reductions tied to risk controls.
- [Key Person Insurance in South Carolina](/coverage/key-person/south-carolina): Learn how South Carolina insurable-interest rules, employee consent, and life guaranty limits affect a business-owned key person policy.
- [Commercial Property Insurance in South Carolina](/coverage/commercial-property/south-carolina): Compare coastal wind and flood layers, then check whether your location falls in the state wind pool’s territory.
- [South Carolina garage liability for motor vehicle dealers](/coverage/garage-liability/south-carolina): Check when South Carolina requires garage liability for dealer plates and how sales set plate eligibility.
- [South Carolina Public Construction Bonds](/coverage/surety-bonds/south-carolina): Check South Carolina public-work bond triggers, required amounts, acceptable security, and claim protections before you bid.
- [Builders Risk Insurance in South Carolina](/coverage/builders-risk/south-carolina): Plan a South Carolina builders risk quote around the actual disturbance footprint and, on tidelands-adjacent coastal lots, the certified coastal boundary that can shape stormwater approval and site layout.
- [Equipment Breakdown Insurance in South Carolina](/coverage/equipment-breakdown/south-carolina): South Carolina's boiler law exempts all pressure vessels and routes required boiler inspections through a special inspector.
- [South Carolina Management Liability Insurance](/coverage/management-liability/south-carolina): Compare South Carolina employment-law exposure and company indemnification duties with D&O and EPL policy terms.
- [South Carolina Fidelity Bonds for County Employees and Officials](/coverage/fidelity-bonds/south-carolina): Learn which South Carolina businesses must maintain fidelity bonds, how much coverage applies, and which employees or losses the bond must include.
- [Intellectual Property Insurance in South Carolina](/coverage/intellectual-property/south-carolina): Learn how South Carolina law treats trade secrets and related intellectual-property claims, and what to ask before choosing coverage.
- [Contract Frustration Insurance in South Carolina](/coverage/contract-frustration/south-carolina): How South Carolina export services and insurance-placement rules shape a contract-frustration policy.
- [Venture Capital Asset Protection Insurance in South Carolina](/coverage/venture-capital-asset-protection/south-carolina): Check how South Carolina adviser rules and fund entity structure affect a venture capital manager’s insurance review.
- [Digital asset business insurance in South Carolina](/coverage/digital-assets/south-carolina): Review South Carolina's digital-asset licensing and custody rules before comparing cover for exchanges, custodians, wallets, or kiosks.
- [Telehealth Insurance in South Carolina](/coverage/virtual-care-telehealth/south-carolina): South Carolina requires telehealth clinicians to stay within their licensed scope and meet the same standard of care as in-person treatment. Check how the rule affects remote care and reimbursement in South Carolina.
- [Employee Health Benefits in South Carolina](/coverage/employee-health-benefits/south-carolina): South Carolina has an insured-plan continuation period of the remaining policy month plus six months for employees with six months of prior coverage who lose coverage for a qualifying reason other than nonpayment.
- [Trucking Insurance in South Carolina](/coverage/trucking/south-carolina): Compare South Carolina’s for-hire COC classes, freight-weight and hazmat liability limits, and separate cargo filing.

State information is based on the cited sources. Confirm current requirements with the regulator and discuss your circumstances with a licensed insurance professional.

## Sources

[^1]: [south-carolina insurance regulator](https://doi.sc.gov/) — State insurance regulator; Official home and consumer services pages describe regulator scope.. Accessed 2026-09-28.
[^2]: [SCDOI Online Services](https://online.doi.sc.gov/Eng/Public/Common/OnlineServices.aspx) — State insurance regulator; General Public offers Licensee Lookup for licensed individuals and insurers.. Accessed 2026-09-28.
[^3]: [SCDOI Consumer Services](https://doi.sc.gov/consumers) — 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.
[^4]: [2026 Surplus Lines Filing Instructions](https://www.doi.sc.gov/DocumentCenter/View/15210/2026-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.
[^5]: [2026 Surplus Lines Filing Instructions](https://www.doi.sc.gov/DocumentCenter/View/15210/2026-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.
[^6]: [Licenses](https://www.at-bay.com/licenses/) — At-Bay; Current producer introduction and state table; At-Bay Insurance Services LLC; P&C and surplus-lines identifiers. Accessed 2026-09-21.
[^7]: [Licenses and Carriers](https://www.coalitioninc.com/legal/licenses) — 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.
[^8]: [Insurance Producer Licenses](https://www.corgi.insure/broker-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.
[^9]: [About Hiscox US Insurance](https://www.hiscox.com/about-hiscox-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.
[^10]: [Licenses](https://www.nextinsurance.com/insurance-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.
[^11]: [Insurance Licenses by State](https://www.techinsurance.com/legal/licenses) — 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.
[^12]: [Licenses](https://www.vouch.us/legal/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 2026-09-28.

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