Average General Liability Insurance Cost in South Carolina (2026 Report)

The cost of general liability coverage in South Carolina spans $25 to $249 per month, driven by your business operations, revenue and claims experience.

This report breaks down general liability costs in South Carolina by business size and industry risk, explains what drives pricing differences, and provides various methods to lower coverage costs through short- and long-term methods.

Written by Angelique Palenzuela-Cruz

Updated: February 26, 2026

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How Much Does General Liability Insurance Cost in South Carolina?

The average cost of general liability insurance in South Carolina is $96 monthly ($1,154 annually) for most businesses, 22% below the national average. This positions South Carolina as the sixth most affordable state nationally, with costs running $27 lower per month than the typical U.S. business pays.

South Carolina's costs sit meaningfully below both adjacent states: North Carolina averages $112 monthly, while Georgia averages $121. Within the Southeast region, only West Virginia posts lower costs at $87 monthly. The state falls in the region's low-cost tier alongside West Virginia, well below mid-tier states like North Carolina and Georgia, and far below high-cost markets like Florida ($144) and Maryland ($155). The $68 monthly gap between the region's cheapest and most expensive states reflects differences in legal climate, claims patterns, and market conditions.

Use South Carolina's below-average position as a starting benchmark, but recognize that your actual cost depends on industry risk level, revenue exposure and claims history. These factors can move you significantly above or below the state average.

To estimate average general liability insurance costs in South Carolina, we analyzed quote data from major U.S. small business insurance providers and modeled standardized premium estimates across common business profiles. These modeled results are designed to provide a consistent state benchmark and show how premiums vary by key baseline factors including business size, industry and location within South Carolina.

Dataset Scope and Assumptions

Our cost modeling uses standardized inputs for consistent comparisons across South Carolina businesses.

Providers analyzed: 10 major insurance providers
Industries covered: 25 general industry categories relevant to South Carolina's business landscape
Employee count bands: zero, one to four, five to nine, 10 to 19 and 20 to 49 employees
Policy baseline: standard general liability policy with $1 million per occurrence / $2 million aggregate limits
Total estimates modeled: over 20,000 standardized pricing estimates across South Carolina industry and employee count combinations

We also incorporated modeled average revenue and payroll personalized across all combinations of South Carolina regions, industry and employee counts to improve the accuracy of pricing. To model these assumptions against our cost factors, we used data from these sources:

CBP (for employee size class density in South Carolina by NAICS)
QCEW (for wage/payroll intensity by industry in South Carolina)
Economic Census / SUSB (for receipts/output intensity by industry)
Calibrated against:
- Private comp databases
- IRS SOI totals

How We Calculated Average General Liability Costs in South Carolina

Our published averages represent modeled premiums for standardized business profiles and were aggregated in two ways:

South Carolina state average: The South Carolina average cost reflects the modeled premium for a standardized one to four-employee small business across all industries included in our dataset for a standard general liability policy.
Segment averages: To show how costs vary within South Carolina, we calculated average modeled premiums for our state base profile and isolated for variables, including:
- Employee count (business size ranges)
- General industry categories

Segment averages were produced by aggregating modeled pricing trends across the full dataset so readers can compare how premiums shift across business types and regions within South Carolina.

What Factors Affect General Liability Insurance Costs South Carolina?

General liability insurance in South Carolina reflects both nationwide pricing patterns and state-specific market conditions. Costs vary based on how insurers evaluate claim probability and severity, with some factors applying universally while others stem from South Carolina's regulatory and geographic profile.

South Carolina Agnostic General Liability Insurance Cost Factors

General liability costs vary based on how insurers assess risk exposure. Several factors apply universally, affecting premiums regardless of where a business operates or which carrier writes the policy.

Business size

Larger payrolls drive higher premiums because insurers tie employee count to claim frequency potential. Each additional worker expands the business's reach through more job sites, client interactions and opportunities for covered incidents.

Mid-size businesses in South Carolina with 20 to 49 employees pay 1,737% more than the state average, while sole operators pay 46% less.

Industry classification

Claim probability varies sharply by industry based on how work gets done. Operations involving physical labor, customer premises, or equipment carry substantially higher liability exposure than knowledge work performed in controlled office environments.

In South Carolina, businesses in tech and IT pay 74% below the state average given their low-hazard, desk-based operations, while construction and contracting costs 159% above average due to worksite injuries and property damage risk.

South Carolina-Specific General Liability Insurance Cost Factors

South Carolina's regulatory environment, geographic location, and legal framework introduce additional cost variables beyond universal business factors. These state-level conditions affect how insurers assess risk and set premiums for operations within the state.

South Carolina's Coastal Hurricane Exposure

Businesses in coastal areas like Charleston, Myrtle Beach and Beaufort face annual hurricane and tropical storm risk, increasing property damage liability claims from wind, flooding and storm surge. Insurers price this elevated exposure into premiums, with coastal businesses paying more than inland operations due to higher claim frequency and severity potential during hurricane season.

South Carolina's Modified Comparative Fault System

The state follows a modified comparative fault rule where plaintiffs can only recover damages if they're 50% or less at fault, with awards reduced by their fault percentage. This limits insurer payouts compared to pure joint and several liability states, potentially moderating premiums. However, South Carolina imposes no damage caps, allowing unlimited awards in severe cases.

South Carolina's Selective GL Insurance Requirements

The state doesn't mandate general liability coverage for all businesses statewide, unlike workers' compensation requirements. However, specific industries face strict mandates: fire sprinkler contractors need minimum $100,000 coverage per the Contractor's Licensing Board, while Charleston city projects require $1 million per occurrence. This inconsistent enforcement creates uneven market demand, with insurers pricing risk differently based on industry licensing requirements and municipal contract standards.

South Carolina's Inland Flooding and Severe Weather Patterns

Beyond coastal hurricanes, businesses statewide face flooding from heavy rains overwhelming storm drains, tornadoes in spring and summer and ice storms in Upstate regions like Spartanburg. These weather events trigger slip-and-fall claims, property damage liability and business interruption, driving premiums higher for businesses in flood-prone or severe weather zones regardless of coastal proximity.

South Carolina's Humid Subtropical Climate

The state's year-round humidity and heat create mold growth in older or poorly ventilated buildings, particularly in coastal and low-country areas. Mold-related property damage can trigger third-party liability claims when it affects client spaces or leased properties, pushing insurers to factor building age, ventilation quality, and climate-related deterioration into liability pricing.

South Carolina's Urban Claim Frequency Patterns

Slip-and-fall incidents drive the majority of general liability claims statewide, with urban retail districts in Columbia, Charleston and Greenville posting higher rates tied to foot traffic volume. Downtown commercial areas add theft and vandalism exposure, compounding liability risk and pushing urban business premiums above rural rates even when industry and revenue remain constant.

Average General Liability Insurance Costs in South Carolina by Business Size

General liability premiums in South Carolina scale with employee count, ranging from $54 monthly for sole proprietors to $1,721 monthly for businesses with 20 to 49 employees. Adding even one employee nearly doubles costs (78% increase), capturing the shift from individual contractor liability to employer-based exposure.

The steepest percentage increase occurs when hiring your fifth employee (164% increase), as insurers reprice from minimal to moderate claim probability. The table shows monthly and annual costs across all employee count tiers.

South Carolina General Liability Insurance Cost Chart

Average General Liability Insurance Costs in South Carolina by Industry

General liability costs across South Carolina industries reflect differences in operational risk rather than business presence or economic impact. Our analysis of 25 general industries surfaced these insights:

South Carolina's largest economic driver costs less than the state average. Tourism and hospitality, which generates over $29 billion in annual economic impact and accounts for more than 10% of state jobs (over 200,000 positions), costs 18% below the $96 benchmark. Despite constant foot traffic, slip-and-fall exposure and property damage risk typical of restaurants, hotels and attractions, the sector maintains lower premiums than construction or healthcare at similar employment levels.
Most industries cost less than the state average, which is skewed by high-risk outliers. Eighty-four percent of industries (21 of 25) fall below $96 monthly. Only two industries (construction and healthcare) exceed the average significantly, pulling the benchmark upward. Most South Carolina businesses pay substantially less than this headline figure, with the majority clustering between $25 and $80 monthly rather than near the published average.
Food and beverage businesses cost near the state average despite slip-and-fall risk. Restaurants and bars average $94 monthly, only 2% below South Carolina’s average, contrary to expectations for high foot-traffic operations. This near-average pricing reflects moderate claim frequency from customer injuries and property damage without the extreme hazards of construction sites or medical procedures. Despite liquor liability exposure in many establishments and constant customer interaction, the sector avoids the premium surcharges seen in construction or healthcare.
Construction costs 10 times more than tech despite both employing thousands. Construction averages $249 monthly (159% above the state average), while tech and IT operations cost $25 monthly (74% below average). This 10-fold gap reflects liability exposure from on-site hazards, equipment use, and property damage risk versus low-risk office operations with minimal physical claim potential.

Data filtered by:


Agriculture & Natural Resources	$81	$977	15%
Arts, Media & Entertainment	$31	$371	68%
Beauty, Body & Wellness Services	$29	$353	69%
Childcare Services	$91	$1,097	5%
Cleaning Services	$74	$890	23%
Construction & Contracting	$249	$2,984	-159%
Consulting Services	$31	$369	68%
Education	$41	$487	58%
Financial Services	$31	$375	67%
Fitness Services	$91	$1,086	6%
Food & Beverage	$94	$1,125	3%
Healthcare & Medical	$168	$2,017	-75%
Hospitality, Travel & Tourism	$79	$948	18%
Manufacturing	$52	$621	46%
Marketing & Communications	$29	$346	70%
Nonprofit & Associations	$44	$533	54%
Other Professional Services	$61	$731	37%
Pet Care Services	$80	$955	17%
Real Estate & Property Services	$43	$516	55%
Recreation & Sports	$59	$709	39%
Repair & Maintenance	$55	$666	42%
Retail & Product Rental	$102	$1,229	-6%
Tech/IT	$25	$299	74%
Transportation & Logistics	$77	$920	20%
Wholesale & Distribution	$78	$941	18%

Use these resources to explore costs for your industry.

Cleaning General Liability Insurance Cost

Contracting and Construction General Liability Insurance Cost

Consulting General Liability Insurance Cost

Food and Beverage General Liability Insurance Cost

How to Lower General Liability Insurance Costs Without Sacrificing Coverage

Businesses can lower general liability rates in South Carolina through both immediate purchasing decisions and operational changes that take effect over time. Some methods deliver savings during your next policy period, while others reduce costs gradually by improving how insurers evaluate your business across multiple renewals.

Quick General Liability Cost Lowering Methods

Several cost reduction methods work through purchasing decisions rather than business changes. These approaches lower premiums by adjusting coverage structure, payment terms and how you share information with carriers, delivering savings within one policy cycle.

Provide clean, accurate underwriting information

Insurers price your general liability quote based on your exact business setup: revenue, employee count, square footage and what work you actually do. A Grand Strand surf shop that mistakenly selects "sporting goods retail" instead of "surf equipment rental and instruction" gets incorrectly priced because rental operations and teaching lessons carry different liability exposure than selling merchandise.

If you run a Pee Dee tobacco farm with seasonal harvest crews, report your actual peak payroll during July and August since understating temporary worker counts triggers audit adjustments when carriers verify your records. Answer classification questions precisely the first time to avoid mid-term premium increases and coverage gaps during claims.

Compare multiple insurers

An Upstate automotive parts supplier serving BMW's Spartanburg plant might receive a $140 monthly quote from one insurer familiar with the I-85 corridor supply chain and $220 from another pricing manufacturing more conservatively. Request quotes from at least three carriers to see these pricing differences firsthand.

Insurers build different appetites based on their South Carolina claims experience: a carrier that's paid multiple slip-and-fall settlements at Charleston restaurants may price hospitality higher than a competitor with better Lowcountry results. Shopping reveals which insurer understands your specific operations and prices them competitively.

Bundle general liability into business owner's policies (BOP)

Packaging general liability with commercial property and business interruption coverage through a BOP typically costs 20% to 30% less than buying policies separately. A Georgetown shrimp boat operation with dock facilities, processing equipment and customer sales areas benefits from combined coverage as one policy handles slip-and-fall claims, hurricane damage to boats and buildings and lost income when storms force harbor closures.

BOPs work best for businesses under 100 employees with physical locations. Spartanburg retail shops, Columbia professional offices and King Street restaurants in Charleston get streamlined protection at lower total cost through bundling.

Pay annually instead of monthly

Monthly payment plans add installment fees that increase your total cost 5% to 10%. A Lowcountry landscaping company paying $1,400 annually spends $1,540 through monthly billing, with the extra $140 buys nothing but convenience.

Businesses with steady year-round cash flow eliminate these fees by paying upfront. Seasonal operations like Grand Strand vacation rental managers or Upstate peach orchards should weigh whether paying the full premium during slow winter months outweighs fee savings, especially when most revenue concentrates in June through August or during summer harvest season. Match payment timing to your actual cash flow patterns.

Increase your deductible (if you can afford it)

Raising your deductible from $500 to $2,500 lowers premiums 15% to 25%, but only makes sense if you can cover that amount when claims occur. A Columbia software consulting firm with minimal public interaction and three office-based employees faces few liability risks, making higher deductibles reasonable. A Myrtle Beach mini-golf course with thousands of summer visitors monthly should keep lower deductibles because slip-and-fall incidents happen frequently enough that saving $35 monthly isn't worth paying an extra $2,000 each time someone gets hurt. Match deductible amounts to your actual claim frequency and available cash reserves.

Adjust your coverage limits

Review your actual contract requirements instead of over-insuring based on assumptions. A Florence hardware store serving retail customers doesn't need the same $2 million coverage as a Charleston contractor building peninsula townhomes. Check your commercial leases, vendor contracts and client agreements to identify how much general liability insurance you need. Port of Charleston logistics companies may need higher GL limits due to cargo liability exposure and shipper requirements, while Greenville graphic designers working from home need less.

Long-Term General Liability Cost Lowering Methods

Reducing general liability costs over multiple policy periods requires building a track record insurers reward. These two approaches lower premiums gradually by demonstrating consistent risk management and reducing your actual claim frequency over three to five years.

Insurers review your claims history during each renewal and reward businesses that avoid filing frequent small claims. A clean loss record over three to five years positions you for lower premiums as carriers gain confidence in your risk management practices.

How to lower your loss profile:
- Schedule outdoor work around heat index warnings April through November. Upstate construction and I-85 corridor manufacturing operations reduce heat-related liability claims by shifting schedules when temperatures exceed 90°F.
- Address coastal property mold within 48 hours of discovery. Grand Strand hotels and Charleston restaurants prevent third-party liability claims by treating humid climate mold growth before guests report exposure.
- Absorb minor incidents below your deductible rather than filing claims. A $400 parking lot property damage incident shouldn't trigger a claim when your deductible is $500 or higher.
- Document BMW supply chain delivery delays that affect production timing. Upstate Tier 1 suppliers protect against product liability claims by recording just-in-sequence disruptions beyond their control with timestamped evidence.
Carriers price general liability based on visible safety measures that reduce claim probability. Implementing the specific controls underwriters evaluate during inspections demonstrates operational discipline, which translates to premium credits at renewal.

How to strengthen risk controls:
- Implement heat illness protocols for June-through-September peak tourism season. Myrtle Beach hospitality and Lowcountry landscaping businesses reduce customer and worker heat exposure claims with scheduled water breaks and shade access.
- Hurricane-proof outdoor equipment and signage May through November. Charleston restaurants and Hilton Head retail operations prevent wind-damage liability claims by securing sidewalk furniture, awnings and business signs before storm forecasts.
- Install commercial dehumidifiers in coastal business locations year-round. Georgetown shrimp processors and Grand Strand vacation rentals reduce slip-and-fall and mold liability exposure created by South Carolina's persistent coastal humidity.
- Verify subcontractor certificates match BMW plant supplier requirements. I-85 corridor manufacturers and Spartanburg automotive parts suppliers avoid vicarious liability by confirming subs carry coverage limits required for just-in-time delivery contracts.

General Liability Insurance Cost in South Carolina: Bottom Line

General liability insurance costs vary based on how insurers estimate claim frequency and severity for your business. Small businesses in South Carolina see premiums shaped primarily by industry classification, employee count and revenue, with the state average standing at $96 monthly as a benchmark rather than a prediction of what you'll pay.

Ask yourself:

Where does your business sit in the cost distribution? Compare your employee count and industry to the ranges provided to see whether you're in a low-cost cluster or positioned near higher-risk sectors like construction or health care.
What drives your baseline cost versus what you control? Your industry classification and business size establish your starting premium, while coverage limits, deductibles and policy structure determine your final rate.
Which factors can you adjust immediately? Review whether bundling, annual payment or adjusted limits better align with your actual exposure and cash flow patterns.

Use this cost breakdown to position your business within the broader distribution rather than focusing solely on whether you fall above or below the average. The goal is understanding how multiple cost factors interact to create your individual risk profile, not simply measuring against a single figure.

General Liability Insurance Cost in South Carolina: Next Steps

Use this report to set realistic cost expectations before requesting quotes from South Carolina insurers. Start by identifying where your business sits in the state's cost distribution based on employee count and industry classification.

Request quotes using identical business details, coverage limits and deductible amounts to compare apples to apples. Price differences reflect how insurers evaluate your baseline risk, your coverage structure and the accuracy of your underwriting information.

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About Angelique Palenzuela-Cruz

Angelique Palenzuela-Cruz is a Content Writer at MoneyGeek specializing in business insurance. She focuses on general liability, workers' compensation and professional liability coverage, helping small business owners cut through policy jargon and understand what they're actually buying.

Angelique has spent over five years reporting on personal finance, with deep experience in both insurance and lending markets. Her psychology background also gives her a unique understanding of how people actually process difficult financial decisions, allowing her to meet readers where they are, simplify complex concepts and build decision making frameworks that give them confidence. Whether you're learning about policies, comparing providers or trying to figure out requirements, Angelique does the legwork, digging into regulations, analyzing policy language and testing her explanations against agent-level standards so you get straight answers without fluff.

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sources

City of Charleston. "Insurance Requirements." Accessed February 26, 2026.
South Carolina Contractor's Licensing Board. "Fire Sprinkler Contractor Applications." Accessed February 26, 2026.
South Carolina Department of Commerce. "Tourism Economy Creates Long-Term Impact, Opportunities." Accessed February 26, 2026.
South Carolina Legislature. "South Carolina Contribution Among Tortfeasors Act." Accessed February 26, 2026.