Property & Liability Insurance for Lowcountry South Carolina Businesses

Businesses of all sizes need commercial insurance coverage that reduces risk, fits your budget, and protects your assets. The independent agents of Lowcountry Insurance will sit down with you to discuss the type of insurance coverage your business needs.

While businesses of all types need insurance, the combination of coverage may differ. Almost every business needs two key types of insurance: commercial property insurance and commercial liability insurance. Our agents can help you find the ccoverage to meet your business’ unique needs and budget.

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Commercial General Liability Insurance

One of the biggest exposures facing South Carolina small businesses is the risk of liability. For example, if someone slips and falls on your business premises, you could be found liable. If you sell tainted food that causes an E. coli outbreak, the damages could be catastrophic. If you manufacture a product that causes a consumer’s injury or death, you could be found negligent. If your employee gets in a car accident while driving in the scope of business, you could be held responsible.

These are just a few of the many types of liability claims that can impact even the most safety-conscious businesses. Unfortunately, legal expenses and damages can add up fast, deteriorating your loss ratio and making you an undesirable risk for commercial insurance company underwriters.

Do you need Employment Practices Liability Insurance (EPLI)?

In recent years, an increasing number of employees have filed lawsuits against their employers for unlawful employment practices. Any company with employees can potentially be sued for:

  • Wrongful termination or discipline
  • Sexual harassment
  • Discrimination
  • Emotional distress
  • Discriminatory hiring or promotion practices

For this reason, it’s a good idea to secure employment practices liability insurance. Ask your business insurance advisor if your business owners policy includes EPLI protection. If not, ask us for a free insurance quote.

Professional Liability Insurance

Businesses that provide advice face the risk of professional liability. For example, accountants, lawyers, real estate agents, and financial advisors all provide their clients with professional advice. If that advice results in financial loss and the client sues for damages, the business could be found liable.

If the business is not properly insured, the owner’s personal assets are at risk. For that reason, it’s important to have professional liability insurance to protect against the unique exposures of your business.

Get a Free Commercial General Liability Insurance Quote

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You may also call (800) 883-7209 to speak to an agent.

To me, being an advocate means being on the side of the customer. Part of what makes us so competitive is that we have so many companies to shop from in order to provide the best program for our customers needs.We offer personalized service, and we are constantly improving our staff through professional development through industry education.

-Jeff Althoff, President

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Local Agent. National Support.

Correll Insurance Group offers the best of both worlds—you get to use a local, independent agent who lives in your town and knows you personally, but this agent is backed by a strong, national firm that has served the Carolinas for nearly 90 years. So you don’t have to choose between having a personal relationship with your agent and knowing they have access to world renowned markets. You’ll get both with Correll.

CORRELL INSURANCE GROUP >>

Lowcountry Insurance Services is a member of the Correll Insurance Group, working together to bring you the best in coverage.  Visit our corporate site to learn more.

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