Commercial Insurance in South Carolina – Protecting Your Business, Top to Bottom

Owning a business in South Carolina comes with responsibility—and risk. From property damage to liability claims, cyber incidents to employee injuries, even a minor issue can disrupt operations or strain your bottom line. At The Sullivan Agency, we help businesses across Greenville, Anderson, and Spartanburg protect what they’ve built with customized commercial insurance solutions.



While our primary focus is personal insurance, we proudly assist business clients on a consultative, case-by-case basis. Whether you run a storefront in Powdersville or manage a farm in the Upstate, we’re here to guide you toward the coverage that fits your needs.

We offer a full suite of business insurance solutions. Each policy is designed to address a specific risk and can be bundled or tailored depending on your industry, size, and exposure.

• General Liability Insurance – Covers bodily injury or property damage claims made against your business. Whether someone slips at your office or claims your product caused harm, this is your foundational coverage.
  
  
• Commercial Property Insurance – Protects your building, furniture, equipment, and inventory from damage due to fire, theft, vandalism, storms, and more.
  
  
• Business Owners Policy (BOP) – Bundles General Liability and Commercial Property into one convenient policy—ideal for many small to mid-sized businesses. Often includes Business Interruption coverage too.
  
  
• Workers’ Compensation Insurance – Required in South Carolina if you have 4 or more employees. Covers workplace injuries, lost wages, and medical expenses.
  
  
• Commercial Auto Insurance – Protects business-owned vehicles and fleets. Includes liability, collision, comprehensive, and specialized coverage for trucking or delivery operations.
  
  
• Professional Liability Insurance (E&O) – For professionals who offer advice or services. Protects against claims of negligence, errors, or omissions.
  
  
• Commercial Umbrella Insurance – Adds an extra layer of liability coverage above your standard policies. Critical if your business faces large potential lawsuits.

• Commercial Trucking Insurance – Covers liability, physical damage, cargo, and bobtail/non-trucking liability. We provide filings (like MCS-90) and quick COIs for owner-operators and fleets across South Carolina.

Every industry carries unique risks—and we’re equipped to help you manage them. We offer tailored insurance programs for a wide range of sectors:

• Contractors & Builders – Including Builder’s Risk, General Liability, and Surety Bonds
  
  
• Hospitality & Restaurants – Coverage for liquor liability, property, food spoilage, and more
  
  
• Churches & Nonprofits – Insurance for property, volunteers, events, and liability
  
  
• Manufacturing & Wholesale – Protect equipment, supply chains, and product liability risks
  
  
• Farms & Agribusinesses – Coverage for outbuildings, crops, machinery, and livestock

• Technology Company – Covers tech risks like Errors & Omissions, cyber threats, and client contracts, helping IT firms and startups stay protected.

• Special Event – One-day coverage for weddings, fundraisers, or festivals. Protects against liability, cancellations, and vendor issues.

• Key Person & Buy/Sell – Keeps businesses stable if an owner or key employee passes. Provides cash for continuity and ownership transitions.
  
  

Don’t see your industry listed? We’ll still review your business and help you explore what coverage options apply.

Gary Sullivan’s background in claims gives our commercial clients a unique advantage. If your business suffers a covered loss, we’re here—not just to help file the claim, but to advocate on your behalf. We’ll make sure the process moves quickly and fairly so you can stay focused on operations.

We also offer guidance around risk management strategies, helping you minimize exposures and even improve your insurance pricing over time.

No Business Too Small

Whether you operate a barber shop in Simpsonville, a landscaping service in Anderson, or a boutique in downtown Greenville, we’ll help you find insurance that fits your budget. We work with small businesses across South Carolina’s Upstate and beyond—because even the smallest operation deserves solid protection.