Commercial Property
Commercial property coverage can help a business recover when physical assets are damaged by a covered event. Values, causes of loss, deductibles, and recovery time should be evaluated together.
Explore Commercial Property in South Carolina →General Liability
General liability can respond to common allegations involving bodily injury, property damage, products, completed work, and personal or advertising injury, subject to the policy.
Explore General Liability in South Carolina →Business Owner's Policy (BOP)
A Business Owner's Policy commonly combines commercial property, general liability, and certain business income features in one contract. Eligibility, available endorsements, limits, and excluded operations vary by insurer.
Explore Business Owner's Policy (BOP) in South Carolina →Cyber Liability
Cyber policies can combine first-party response expenses with third-party liability protection. Coverage varies materially in its treatment of ransomware, social engineering, business interruption, vendors, and security controls.
Explore Cyber Liability in South Carolina →Workers' Compensation
Workers' compensation helps employers address medical costs, lost wages, and statutory obligations following covered workplace injuries. Classification, payroll, states, and actual employee duties drive the review.
Explore Workers' Compensation in South Carolina →Commercial Flood
Commercial property policies commonly exclude or restrict flood. Eligible applicants can use the Cox & Associates online flood platform to evaluate available building, contents, business-interruption, private flood, FEMA, and excess options based on the property and requested terms.
Explore Commercial Flood in South Carolina →Commercial Auto
Commercial auto policies can address liability and physical damage risks when vehicles are owned or used by a business. The vehicle, driver, radius, use, and property transported all matter.
Explore Commercial Auto in South Carolina →Business Income & Extra Expense
Business income coverage can help replace lost operating income and continuing expenses when a covered property loss interrupts operations. The restoration period and operational dependencies are central to selecting a limit.
Explore Business Income & Extra Expense in South Carolina →Liquor Liability
Businesses in the alcohol trade generally need liquor liability rather than relying on host liquor provisions. Sales, hours, service practices, entertainment, security, and applicable law shape the exposure.
Explore Liquor Liability in South Carolina →Garage Liability
Garage liability addresses covered liability arising from garage operations and, depending on the form, covered autos. The review should distinguish premises, products, completed work, drivers, dealer plates, and customer interactions.
Explore Garage Liability in South Carolina →Dealers Open Lot
Dealers open lot coverage is designed for covered loss or damage to dealership inventory. Peak values, locations, weather, theft controls, transit, valuation, and deductibles should be evaluated carefully.
Explore Dealers Open Lot in South Carolina →Garagekeepers
Garagekeepers coverage can address covered damage to customers' autos while they are being serviced, repaired, parked, stored, or test-driven. Legal liability and direct coverage forms respond differently.
Explore Garagekeepers in South Carolina →Commercial Umbrella & Excess Liability Insurance
Commercial umbrella and excess liability coverage can add a layer of protection above scheduled underlying policies, commonly including general liability, commercial auto liability, and employers liability. It is designed for severe covered claims that exhaust applicable underlying limits. An umbrella is not a replacement for complete primary insurance, and it does not automatically extend over every policy or fill every exclusion.
Explore Commercial Umbrella & Excess Liability Insurance in South Carolina →Surety Bonds
A surety bond is a three-party agreement supporting a principal's obligation to an obligee. Underwriting may evaluate credit, experience, financial strength, and the obligation being guaranteed.
Explore Surety Bonds in South Carolina →Directors & Officers (D&O) Liability
Directors and officers liability coverage can address specified claims arising from governance and management decisions, subject to the insured-person, organization, claim, wrongful-act, exclusion, retention, limit, and reporting provisions of the policy. Nonprofits should evaluate entity coverage, individual protection, employment-related allegations, fiduciary exposure, prior acts, and defense arrangements.
Explore Directors & Officers (D&O) Liability in South Carolina →Employment Practices Liability Insurance (EPLI)
Employment practices liability insurance can address specified claims alleging discrimination, harassment, retaliation, wrongful termination, or other covered employment wrongful acts. Claims-made reporting, defense costs, retentions, wage-and-hour treatment, third-party coverage, volunteers, independent contractors, and the definition of insured persons require careful review.
Explore Employment Practices Liability Insurance (EPLI) in South Carolina →