South Carolina Business Owners Insurance Information
Businesses can bundle property and liability coverage into a South Carolina business owners
insurance policy that allows your business to obtain broad coverage with affordable premiums.
South Carolina business owners insurance is usually the first step for small businesses looking to
get basic property and liability coverage and is a comprehensive and affordable insurance package
for small or medium sized businesses.
To qualify for business owners insurance policies, a company should have 100 or fewer
employees, and annual revenues should be less than $1 million. South Carolina Business Owners
Insurance will typically provide reimbursement for up to a year of lost revenue resulting from an
insured property loss.
Some businesses may find South Carolina Business Owners Insurance coverage limits to be too
low or may not like the lack of flexibility on options like coinsurance. However, what the business
owners insurance policy lacks in flexibility it usually makes up for with lower premiums for your
business.
South Carolina Business Owners Insurance offers named perils or all risk insurance coverage, similiar
to general property insurance coverages. Enhancement endorsements are available at little or no cost
to extend coverage to your accounts receivable, valuable papers, signs, employee dishonesty,
mechanical breakdown, computers including software, money and securities, off premises power
failure and spoilage of food products, backup of sewers and drains.
While similiar to Commercial General Liability Insurance, the liability part of a South Carolina business
owners insurance policy offers less flexibility in determining your coverage limits for particular claims.
Optional limits of $300,000, $500,000 or $1,000,000 are available. Personal injury, products liability, fire
legal liability and premises medical payments are included. Also, Business Owners Insurance does not
include professional liability insurance.
Business Interruption Insurance is usually included in business owners insurance policies and covers
lost income and expenses incurred when a company suffers disaster related damage. Ongoing
operating expenses that continue even if business is suspended, such as payroll, are also covered.
Click on the link below to fill out a secure quote request form for a South Carolina business owners
insurance policy that regardless of whether you're a small contractor, large employer or a small business
owner, will provide exceptional insurance coverage for your business at an affordable cost. Or you can
speak with our South Carolina Business Owners Insurance specialist toll free at (800) 849-7475 to
discuss the insurance policy features in more detail.
We are a Columbia, SC insurance agency offering affordable South Carolina business owners
insurance policy coverage to mid-sized, large, and small businesses in the following towns, cities
and counties in South Carolina: Chapin, Arthurtown, Saluda Terrace, Sandwood, Arcadia Lakes,
Cayce, Olympia, Forest Acres, Dentsville, Eau Claire, West Columbia, Springdale, Denny Terrace,
Belmont, St. Andrews, Irmo, Oak Grove, Lexington, Galaxy, Bluff Estates, Hazelwood Acres, State
Park, Haskell Heights, Lincolnshire, Ballentine, Killian, Red Bank, South Congaree, Edmund, Gilbert,
Summit, Gaston, Hopkins, Capitol View, Horrel Hill, Fort Jackson, Pontiac, Elgin, Blythewood,
Camden, Richtex, Whitehall, White Rock, Sumter, Lugoff, Boykin, Rembert, Hagood, Horatio,
Stateburg, Borden, Wedgefield, Oswego, Gadsden, Fort Motte, St. Matthews, Swansea, Woodford,
Winnsboro, Pelion, Steedman, Samaria, Monetta, Batesburg-Leesville, Stoney Hill, Prosperity,
Newberry, Peak, Little Mountain, Slighs, Pomaria, Jenkinsville, Rion, Winnsboro Mills, Simpson,
Smallwood, Ridgeway, Orangeburg, Lexington County, Fairfield County, Calhoun County, Sumter
County, Kershaw County, Saluda County, and Richland County, SC. We can also offer inexpensive
South Carolina business owners insurance coverage premiums to small business owners
throughout the Palmetto state, including in Florence, Greenville, Spartanburg, Myrtle Beach, and
Charleston, SC.

Property Insurance Coverage
Liability Insurance Coverage
Interruption Insurance Coverage
**The information, pictures, and other content in this website about particular insurance services is only
provided for informational purposes. Any decisions regarding your insurance needs should be discussed with
a licensed insurance agent.
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South Carolina Owners Insurance Solutions!
800-849-7475 toll free
803-779-7854
Serving South Carolina Since 1955
Russell-Massey & Co.
1320 Elmwood Avenue
Columbia, SC 29201
Richland County, SC
Toll Free: (800) 849-7475
Office: (803) 779-7854
Fax: (803) 799-6546
Russell-Massey & Co.
409 Lexington Avenue
Chapin, SC 29036
Lexington County, SC
Office: (803) 941-3650
Fax: (803) 941-3654