General Liability Insurance

General Liability Insurance for South Carolina Businesses.

Running a business means juggling a lot of moving parts, and accidents are one thing you can’t always control.

General liability insurance helps protect your business when the unexpected happens, whether that’s a customer slipping in your store, accidental damage at a job site, or a claim tied to your advertising.

At C.T. Lowndes & Company, we help South Carolina businesses get the coverage they need so one incident doesn’t turn into a financial setback.
When you’re ready, getting a quote is simple. Call C.T. Lowndes or request your free general liability insurance quote online.

What Is General Liability Insurance?

General liability insurance is an important layer of a business owner’s portfolio. It’s policy that helps to protect your business from third-party claims involving:

If a customer trips in your office, a client sues for property damage, or your ads cause reputational harm, general liability coverage helps cover the associated attorney fees, settlements, or court judgments.

Without this coverage, your business would be responsible for paying out-of-pocket.

Who Needs General Liability Insurance?

If you own or operate a business in South Carolina, you likely need general liability insurance coverage. This includes:

Even home-based businesses can benefit from general liability insurance. If a client visits your home office and is injured, you could still be held responsible. Having the right coverage helps protect your business from unexpected situations, no matter where you work.

What Does General Liability Insurance Cover?

Bodily Injury
If a customer, vendor, or third party suffers bodily harm on your premises or job site, your policy can cover medical payments, legal defense, and any related liability insurance costs.

Property Damage
Damaged a client’s flooring while installing equipment? Knocked over an expensive display? Your general liability policy helps with property damage claims caused during your business activities.

Legal Fees
Coverage for attorney fees, defense costs, and other legal expenses related to covered claims are available.

Advertising Injury
If your business is accused of copyright infringement, libel, or slander in your marketing materials, general liability insurance coverage can step in.

Keep in mind: General liability doesn’t cover employee injuries (you’ll need workers compensation for that), commercial auto incidents, or professional mistakes, which would require professional liability insurance. Ask us how to build a policy that includes all your business insurance needs.

How Much Does General Liability Insurance Cost?

General liability insurance cost varies depending on:

At C.T. Lowndes & Co., we help you find a general liability insurance policy that gives you the financial protection you need at a great price. We also offer package options like a Business Owner’s Policy (BOP), which bundles general liability and commercial property insurance for even greater value.

Why Choose C.T. Lowndes & Company?

With over 175 years of experience, C.T. Lowndes & Co. serves business owners all over the state with local agents who understand the challenges you face. Our team doesn’t just write policies, we build relationships that help protect businesses through every stage of growth.

Get a General Liability Insurance Quote

Your business can’t afford to go unprotected. Whether you’re buying your first policy, meeting client requirements, or making sure your current coverage still fits, we’re here to help you every step of the way.

Ready to get started? Contact C.T. Lowndes & Co. today for your free general liability insurance quote. Let’s protect your future, one policy at a time.

Get Started Today

As an independent agency, we are here to help you find the right General Liability Insurance coverage.