Contractor insurance in South Carolina for builders and trades that get the job done

Built For Jobsite Reality

Coverage packages for GCs and artisan trades
From remodels in Simpsonville to new builds near Downtown Greenville, contracting brings real-world risks: injuries, property damage, stolen tools, and weather delays. The Sullivan Agency assembles practical packages so you can bid, build, and finish with confidence—without overcomplicating the paperwork. Start with general liability insurance for third-party injury/property damage, then layer the rest of your program as you grow.

Core Coverages For Crews

What most South Carolina contractors carry

Construction worker icon, wearing a hard hat and safety vest.

Workers’ compensation for on-site injuries and compliance

Black and white delivery van icon, facing right.

Commercial auto for pickups, vans, and material runs

Black drill icon.

Contractors equipment/tools coverage, including jobsite theft

Construction site icon with buildings and a crane.

Builders risk for structures under construction and materials on site

Umbrella over a shield with a checkmark, symbolizing protection and insurance.

Umbrella limits when contracts demand higher coverage

If you run payroll or use subs, we’ll clarify certificates, additional insured status, and waiver requirements. Coordinate your program with workers’ comp and commercial auto insurance to eliminate surprises between policies.

Compliance Without the Headaches

Fast COIs, contract reviews, and audits

Need an ACORD certificate by noon? We’ve got you. The Sullivan Agency reviews contract insurance clauses, helps track sub certificates, and prepares you for audits—so a paperwork snag doesn’t stall your start date.

Questions Upstate contractors ask

  • Can I start with GL only and add later?

    Many sole proprietors do, but contracts often require additional coverages. We’ll build a roadmap that scales.

  • What’s builders risk vs property?

    Builders risk covers projects during construction; property covers finished buildings and contents.

  • Do 1099 subs affect my premium?

    Yes—audits may count uninsured subs as payroll. We’ll help you manage certificates.