The top-rated commercial insurance agent in Charleston, South Carolina is Maritime Insurance International, rated 5.0 stars across 524 reviews. Other highly rated options include Harrell Insurance Agency, C. T. Lowndes & Company, Taylor Agency. This directory lists 17 commercial insurance agents serving Charleston.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | Maritime Insurance International | 3 Lockwood Dr Suite 302A | (843) 606-5270 |
| 2 | Harrell Insurance Agency | 2000 Sam Rittenberg Blvd #124 | (843) 572-1500 |
| 3 | C. T. Lowndes & Company | 749 St Andrews Blvd | (843) 763-0120 |
| 4 | Taylor Agency | 147 Wappoo Creek Dr #502 | (843) 762-1805 |
| 5 | A & A Insurance | 1525 Sam Rittenberg Blvd | (843) 571-5060 |
| 6 | Covenant Insurance Group LLC | 1032 Savannah Hwy | (843) 795-0189 |
| 7 | Bridge Insurance | 7 Gamecock Ave Suite 706 | (843) 974-5150 |
| 8 | Anderson Insurance Associates | 3491 Shelby Ray Ct | (843) 763-7525 |
| 9 | Hanham Insurance Agency | 27 Charlotte St | (843) 276-1608 |
| 10 | Dunes Insurance | 656 Ellis Oak Ave Suite 112 | (843) 737-6236 |
Maritime Insurance International serves the Charleston, SC metro area as a commercial insurance agent for local businesses. The agency helps clients assess their risk exposures and secure appropriate coverage for property, liability, and fleet operations. It works with small and mid-sized firms to understand their unique operational needs. Maritime Insurance International also handles specialized coverages for the construction and marine sectors prevalent in this port city.
Harrell Insurance Agency provides commercial insurance solutions tailored to business operations in the Charleston area. Its services include risk assessment, policy placement, and claims support. Maintenance plans focus on periodic policy reviews to adjust coverage as business needs evolve. The agency assists with liability, property, and workers compensation policies. It services a variety of properties including single-family homes, apartment complexes, retail stores, and restaurants.
Serving Mt. Pleasant and the surrounding South Carolina Lowcountry communities, C. T. Lowndes & Company operates as a commercial insurance agency. It handles the protection of local businesses, from retail operations to contractors and professional offices, by securing policies against property damage, liability claims, and other operational risks. The agency typically approaches each job by first assessing a client’s unique exposure and then identifying appropriate coverage solutions from the various insurance carriers it represents.
Taylor Agency serves local businesses, property managers, and commercial property owners in Charleston, South Carolina. It provides commercial insurance agent services to help companies manage risks, protect assets, and meet legal insurance requirements. Coverage options are tailored to various industry needs and local operating conditions. The agency also assists clients with policy reviews and claims support. Its service area extends into the Mount Pleasant community as well.
A & A Insurance serves businesses throughout Charleston, South Carolina, and its surrounding coastal communities. The agency handles a full range of commercial insurance coverage, including general liability, property, and workers' compensation for local enterprises. They work with clients to identify specific operational risks and exposures common to the region. To complete each typical job, they thoroughly review the business's unique circumstances, compare options from multiple carriers, and present a clear, customized coverage package tailored to the client's needs.
Covenant Insurance Group LLC in Charleston, SC distinguishes between one-time policy placements and ongoing service agreements for commercial clients. Coverage options include general liability, property, workers compensation, and other essential business insurance solutions typical for local enterprises. The company works with area businesses to assess risk and tailor protection for specific operational needs. Service runs on a one-time, scheduled, or as-needed basis depending on the client’s coverage cycle and renewal timing.
Bridge Insurance specializes in commercial insurance policies tailored to the unique operational risks of Charleston area businesses, including property, liability, and workers’ compensation coverage. It also provides general risk management advice to help local companies assess their exposures. When hurricane season approaches the South Carolina coast, the agency assists clients in reviewing coverage limits and ensuring proper protection against storm damage and related business interruptions.
As Charleston businesses prepare for the busy tourism season or brace for coastal storm risks, Anderson Insurance Associates provides commercial insurance agent services in the area. This company helps local restaurant, retail, and construction clients manage property and liability exposures common in the historic district and surrounding communities. Policies are tailored to cover equipment, buildings, and business interruption costs. The process typically begins with a personal inspection of the premises and a thorough review of current operations to assess coverage gaps.
Hanham Insurance Agency provides commercial insurance solutions, covering specialized risk management strategies and liability protections beyond standard policies. The company serves businesses throughout Charleston, SC, with a focus on customizing coverage packages to match operational needs. Client consultations assess exposure points from daily transactions to unforeseen disruptions. Sectors served include local offices seeking general liability packages, warehouses requiring property and inventory safeguards, and food service operations needing workers' compensation and equipment breakdown provisions.
Dunes Insurance provides residential insurance solutions to property owners throughout Charleston, helping to protect homes and personal assets from regional weather risks. Their commercial insurance agency also advises local businesses on coverage options for liability, property, and operational needs across the greater Charleston area. The firm works with clients to review policies during initial consultations and ensures that coverage adapts to changing circumstances. Follow-up service is available between regular visits to adjust plans as new exposures or equipment acquisitions occur.
What Does a a Commercial Insurance Agent in Charleston Cost?
Commercial insurance costs in South Carolina vary widely based on business type, size, location, and claims history. A small retail shop in Charleston might pay between $500 and $2,000 per year for general liability, while a construction company could pay $5,000 to $15,000 or more annually. Factors like coastal proximity and hurricane risk can increase property insurance premiums. This is general information, not insurance advice.
About commercial insurance agents in Charleston
Commercial insurance agents in Charleston South Carolina help business owners protect their assets with tailored policies. South Carolina law requires certain businesses to carry workers compensation insurance if they have four or more employees. A local agent can guide you through these state-specific requirements and find the right coverage for your industry.
Frequently Asked Questions
What types of commercial insurance do Charleston businesses need?
Common policies include general liability, property insurance, workers compensation, and commercial auto. South Carolina law mandates workers comp for most businesses with four or more employees. Your agent can help you determine which coverages are required and which are recommended for your specific industry.
How do I choose a commercial insurance agent in Charleston?
Look for an agent who understands your industry and has experience with South Carolina regulations. Ask about their familiarity with local risks like hurricane exposure and coastal flooding. Check their licensing with the South Carolina Department of Insurance to ensure they are authorized to sell commercial policies.
Can I bundle multiple commercial policies with one agent?
Yes many agents offer business owner policies that bundle general liability, property, and business interruption coverage. Bundling can simplify your insurance management and may reduce your overall premium. Your agent can compare options from multiple carriers to find the best fit for your Charleston business.
Commercial Insurance Agents in Other South Carolina Cities
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