Licensed South Carolina agents comparing 40+ carriers for auto, home, and commercial coverage. Offices in Georgetown and Greer serving the entire Palmetto State.
South Carolina follows modified comparative negligence with a 51% bar. You can recover damages as long as you are not more at fault than the other party. Your recovery is reduced by your fault percentage.
South Carolina requires Uninsured Motorist (UM) coverage at limits equal to your liability coverage. You may reject UM in writing, but we recommend keeping it — roughly 9% of SC drivers are uninsured.
South Carolina auto insurance rates are among the highest in the Southeast, driven by rural road conditions, high accident rates, and a growing population. Shopping multiple carriers is the most effective way to manage costs.
We recommend South Carolina drivers carry at least 100/300/100 liability with UM/UIM coverage. SC's growing population and increasing traffic volumes — particularly along the I-85 and I-26 corridors — make higher limits a smart investment.
South Carolina homeowners face hurricane exposure along the coast and severe thunderstorm risk inland. Hurricane Hugo (1989) and Hurricane Matthew (2016) demonstrated the devastating impact coastal storms can have on the Palmetto State.
The SC Wind & Hail Underwriting Association provides wind and hail coverage for coastal properties in designated areas where private coverage is unavailable or unaffordable. Similar to North Carolina's FAIR Plan, this wind-only policy must be paired with a standard homeowners policy for complete protection.
Inland South Carolina homeowners benefit from lower premiums but should evaluate hail coverage carefully. The Upstate region around Greenville and Spartanburg experiences significant hail events that can damage roofs and vehicles. We compare deductible structures across carriers to find the best balance of premium and out-of-pocket risk.
South Carolina employers operating without required workers compensation face fines up to $100/day per employee until coverage is obtained, plus personal liability for employee injuries.
South Carolina requires workers compensation for employers with 4 or more employees. Agricultural employers with fewer than 4 workers are exempt, and corporate officers may exclude themselves from coverage.
South Carolina's tourism, manufacturing, and construction industries create strong demand for commercial insurance. From general liability for Myrtle Beach hospitality businesses to commercial auto for Upstate logistics companies, our agents match South Carolina businesses with the right carriers at competitive rates.
Two SC offices — Georgetown and Greer — serving both the Lowcountry and Upstate markets.
SC Wind & Hail Association expertise for coastal homeowners who need specialized wind coverage.
Commercial insurance for South Carolina's tourism, manufacturing, and construction industries.
Se habla español — bilingual agents for SC's growing Hispanic communities in Greenville and Charleston.
We compare rates from these top-rated carriers — and more — to find the best coverage and price for South Carolina residents.
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South Carolina requires 25/50/25 liability coverage and Uninsured Motorist coverage at the same limits. You may reject UM coverage in writing, but we recommend keeping it for protection against uninsured drivers.
South Carolina is an at-fault state using modified comparative negligence with a 51% bar. The at-fault driver is responsible for damages, and you can recover as long as you are not more than 50% at fault.
The SC Wind & Hail Underwriting Association provides wind and hail coverage for coastal properties in designated areas where private coverage is unavailable. This wind-only policy must be paired with a standard homeowners policy that covers fire, theft, liability, and other perils.
Yes. South Carolina employers with 4 or more employees must carry workers compensation insurance. Penalties for non-compliance include fines up to $100/day per employee plus personal liability for any employee injuries.
South Carolina homeowners insurance costs vary by region. Coastal areas from Myrtle Beach to Hilton Head pay higher premiums due to hurricane risk, while Upstate areas around Greenville and Spartanburg enjoy lower rates. An independent agent comparing 40+ carriers helps find the most competitive rate for your location.
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