Contractor Insurance
in South Carolina

Affordable Coverage Built for South Carolina Contractors
In South Carolina, contractors face unique challenges—from hurricane season near the coast to licensing requirements that vary by trade. That’s why having the right insurance isn’t just a formality—it’s essential for protecting your projects, employees, and equipment.
At Affordable Contractors Insurance (ACI), we help general and trade contractors across the Palmetto State get fast, affordable coverage that meets state mandates and fits your day-to-day risks. Whether you’re remodeling homes in Charleston or running a roofing crew in Columbia, we’ve got your back.

Why Contractors in South Carolina Choose ACI
Local Expertise
We understand South Carolina’s licensing laws and job site risks
Fast Certificates
Get proof of coverage the same day you apply
Affordable Rates
Pay as little as 20% down with flexible payment plans
Bundled Savings
Combine multiple policies and save up to 25%
Tailored Coverage
Customized policies based on your trade and crew size
Responsive Support
Talk to real agents who know the South Carolina market
Insurance Coverage We Offer in South Carolina
We offer a full suite of contractor insurance policies tailored to your trade and business size:
- General Liability Insurance
Protects against third-party injuries, property damage, and legal costs—often required to get licensed or secure jobs in South Carolina.
- Workers’ Compensation Insurance
Covers employee injuries and lost wages. Mandatory for most employers with four or more employees, including subcontractors.
- Commercial Auto Insurance
Covers work trucks, vans, or fleets used for business against liability, collision, and theft.
- Tools & Equipment Insurance
Covers stolen, lost, or damaged tools—on the jobsite, in transit, or in your trailer.
- Builder’s Risk Insurance
Temporary policy that protects structures under construction and materials on site.
- Professional Liability Insurance
Protects against claims of negligence, design errors, or project delays related to your professional work.
Who We Cover in South Carolina
We serve licensed and unlicensed contractors across the state, including:
- General Contractors
- Roofers
- Electricians
- Plumbers
- HVAC Contractors
From small crews to growing operations, we help you stay protected, compliant, and ready for the next job.

How Much Does Contractor Insurance Cost in South Carolina?
Several factors affect your monthly premium. Here’s what impacts your rate:
Cost Factors
- Type of Work
Roofing and electrical typically carry higher premiums than general remodeling or handyman services.
- Business Size
More employees and higher payroll increase costs.
- Coverage Limits
Higher limits mean greater protection—but also higher premiums.
- Claims History
A clean record qualifies you for lower rates.
- Location & Risk Profile
Working in hurricane-prone or high-crime areas may raise your costs.
Get a personalized quote tailored to your business, risk level, and trade.
South Carolina Contractor Insurance Requirements
Here are the most common insurance rules contractors must follow in South Carolina:

General Liability Insurance
Many trades, especially residential builders and specialty contractors, must carry liability coverage to be licensed.

Workers’ Compensation Insurance
State law requires workers’ compensation insurance if you employ four or more people, including part-timers and subcontractors.

Commercial Auto Insurance
All business vehicles must be insured under a commercial policy, not personal auto coverage.
Requirements vary by trade, county, and job type—speak with an ACI expert to ensure you’re compliant.

Get a Free Contractor Insurance Quote
South Carolina
Need insurance fast? ACI makes it simple to get covered. Get a custom quote in minutes and proof of coverage as soon as today.