Business Owners Policy insurance for South Carolina small businesses

All-in-One Small Business Protection

One policy, many problems solved
A Business Owners Policy combines core protections—property, general liability insurance, and business interruption—into a single, budget-friendly package. For Main Street shops in Greenville, contractors in Spartanburg, or offices in Powdersville, The Sullivan Agency tailors BOP coverage to match your equipment, inventory, and risk profile.

What’s Included

Property, liability, and lost income

Black and white illustration of a store with a dollar sign in the window, symbolizing commerce.
Commercial property

building (if owned), tenant improvements, equipment, inventory, and tools

Person with an arm in a sling.
Liability

injuries to others, damage you cause, product/completed operations, and advertising injury

Black money bag with downward-trending graph, indicating financial loss.
 Business interruption coverage

lost income and extra expense after a covered event that halts operations.

Need signage, cyber, or equipment breakdown? We can add endorsements so your package fits your operations.

Who Qualifies

Built for small to mid-sized risks

Retailers, restaurants, professional offices, and light wholesalers typically qualify. Higher-hazard or larger operations might need a commercial package or mono-line policies—we’ll advise the best route.

Round Out Your Protection

Add the extras most owners need

Pair your BOP with workers’ compensation, commercial auto, or a commercial umbrella for higher limits—especially if you have drivers or delivery exposure.

BOP questions from SC owners

  • Is a BOP cheaper than buying separate policies?

    Often yes—the package discount and streamlined underwriting usually reduce total cost.

  • Does a BOP include cyber?

    Not by default. We can add cyber liability or place a dedicated policy depending on your data exposure.

  • What size business is too big for a BOP?

    Carriers set limits by revenue, payroll, and risk class. If you’re beyond those, we’ll pivot to a tailored commercial package.