General liability insurance for South Carolina businesses that need solid protection

Coverage Overview

The lawsuit buffer every business needs
General liability is foundational protection for slip-and-falls, property damage you cause, and certain advertising injuries. Whether customers visit your Greenville storefront or you work on job sites around Anderson and Spartanburg, The Sullivan Agency structures limits and endorsements to meet landlord and client requirements

What It Covers

Injuries, damage, and defense

Person with an arm in a sling.
Bodily injury

a visitor trips in your lobby—medical costs and legal liability

Black icon of damaged buildings, illustrating an earthquake.
Property damage

our crew breaks a client’s window—repairs are covered

Damaged package with an exclamation mark indicating a problem.
Products/completed operations

a product defect or post-work issue leads to a claim

Copyright symbol.
Personal and advertising injury

libel, slander, or copyright issues tied to your marketing

If you also need property coverage, consider a business owners policy to bundle and save.

Why Your Business Needs It

Contracts, leases, and peace of mind

Many leases, vendor agreements, and event venues require proof of GL—often $1M per occurrence. We’ll issue certificates quickly and help you tailor additional insured and waiver clauses so projects aren’t delayed.

What GL Doesn’t Cover

Know the limits so you can fill gaps

General liability doesn’t cover professional mistakes (get professional liability insurance), your business vehicles (commercial auto), employees’ job injuries (workers’ comp), or very large claims beyond your limits (consider commercial umbrella insurance).

Pricing & Factors

Right-sized limits at a fair rate

Premiums depend on your trade, revenue, payroll, and claims history. We’ll shop multiple carriers to balance requirements and cost for contractors, shops, and service firms across the Upstate.

GL questions from South Carolina owners

  • Is general liability required by law?

    Not by law for most industries, but it’s commonly required by contracts and landlords—and a smart baseline for risk.

  • How much coverage should I buy?

    Many start at $1M/$2M (per occurrence/aggregate). If you work larger jobs or in higher-hazard trades, we may recommend higher limits or an umbrella.

  • Does GL cover independent contractors on my site?

    Your policy can respond, but we’ll help set subcontractor requirements (proof of GL and workers’ comp) to protect your company first.