Commercial property insurance in South Carolina for buildings, equipment, and inventory

Coverage Overview

Protect your building and equipment
From a storefront on Wade Hampton Blvd to a warehouse off the I-85 corridor, your business relies on physical assets. Commercial property insurance helps South Carolina owners repair or replace buildings, tools, inventory, and improvements after covered losses like fire, theft, or wind. The Sullivan Agency serves Greenville, Anderson, Spartanburg, and the Upstate with right-sized protection that fits your space—owned, leased, or home-based. Pairing property with liability on a business owners policy can simplify coverage and often reduce cost.

What’s Protected

 Building, contents, and improvements

Building

walls, roof, fixtures, and permanently installed equipment (if you own)

Business personal property

furniture, computers, machinery, inventory—even in transit or at temporary 

Tenant improvements

build-outs you added to a leased suite

Income

add business interruption coverage to replace lost revenue and pay extra expense if a covered loss pauses operations

Perils & Gaps

Know what’s covered—and what isn’t

Standard policies typically include fire, lightning, explosion, wind/hail, theft, and vandalism. Flood and earthquake are usually excluded without separate policies. If your site is near the Reedy River, a lake, or a low-lying area, talk with us about flood insurance options for South Carolina businesses.

Getting the Numbers Right

Replacement cost, deductibles, and co-insurance

Undervaluing a building or contents can trigger penalties at claim time. We’ll help calculate replacement cost, set smart deductibles, and explain co-insurance so you’re made whole—not shorted—after a loss. If you also need premises liability for visitors and vendors, add general liability insurance alongside your property policy.