Geneva Insurance Group is licensed by the South Carolina Department of Insurance (SCDOI) to write business across all 46 South Carolina counties. We compare A-rated carriers for South Carolina drivers, homeowners, and businesses — from Charleston and the Lowcountry through Columbia, the Upstate around Greenville and Spartanburg, and the Grand Strand at Myrtle Beach — tuned to the coastal hurricane, inland flooding, and fast-growth realities South Carolina risk profiles demand.
South Carolina requires 25/50/25 liability and is one of the few states that also mandates uninsured motorist coverage at matching limits; underinsured motorist coverage must be offered. Rates are shaped by the coast's catastrophe exposure and by the state's share of uninsured and underinsured drivers, which makes UM/UIM limits worth real attention here. We typically recommend 100/300/100 plus matching UM/UIM for households with assets to protect.
South Carolina homes face hurricanes and named-storm wind along the coast (Charleston, the Grand Strand, Hilton Head and the Lowcountry), inland flooding from tropical systems — as the 2015 floods and Hurricane Florence both proved well inland — and severe thunderstorms and hail across the Midlands and Upstate. We size dwelling coverage to actual rebuild cost and structure wind and water coverage to your specific geography, including the coastal Wind & Hail pool where the standard market won't write wind.
Renters and condo policies in South Carolina typically run $12-$25/month. Required by most landlords in Charleston, Columbia, Greenville, Myrtle Beach, and Rock Hill.
Workers comp is mandatory in South Carolina for businesses with 4 or more employees. We write GL, commercial property, professional liability, commercial auto, and BOPs for South Carolina businesses across the Charleston port and hospitality economy, the Upstate's advanced-manufacturing corridor around Greenville-Spartanburg, the Columbia Midlands, and Grand Strand tourism.
Term life, whole life, and individual health insurance for South Carolina residents through SCDOI-licensed carriers. Marketplace and off-exchange plans both available.
Personal umbrella for South Carolina households — typically $200-$450/year for $1M of coverage. Particularly valuable for households with significant equity in Charleston, the Lowcountry, and the coastal second-home markets.
Geneva is licensed by the South Carolina Department of Insurance for personal and commercial lines statewide. We follow South Carolina-specific rules under Title 38 of the SC Code of Laws.
Coastal South Carolina property coverage often splits between a standard carrier and the South Carolina Wind and Hail Underwriting Association (the Wind Pool) for wind and hail. We structure the pieces so nothing falls in the gap between them — a detail out-of-state agents routinely miss.
Charleston, Richland, Greenville, Horry, Beaufort, Spartanburg, York, Lexington, and the rest — Upstate to Lowcountry. Fully-remote model means your quote happens by phone, email, or video, wherever in South Carolina you are.
South Carolina requires 25/50/25 in liability coverage — $25,000 per person bodily injury, $50,000 per accident bodily injury, and $25,000 property damage — plus uninsured motorist coverage at matching limits, which South Carolina uniquely mandates. Underinsured motorist coverage must be offered and is worth carrying given the state's share of underinsured drivers. For households with meaningful assets we typically recommend 100/300/100 with matching UM/UIM, and an umbrella above that where the exposure justifies it.
The South Carolina Wind and Hail Underwriting Association — commonly called the Wind Pool — provides wind and hail coverage for coastal properties in designated beach and coastal areas of Beaufort, Charleston, Colleton, Georgetown, Horry, and Jasper counties when the standard market won't write it. Most coastal properties end up with a two-part structure: the Wind Pool for wind/hail and a standard carrier for everything else (fire, theft, liability). We coordinate both pieces so the coverages meet cleanly.
Coastal and riverfront properties almost always do, and recent history has made the case well inland — the October 2015 floods swamped Columbia and the Midlands, and Hurricane Florence flooded homes far from the coast in 2018. Homeowners policies exclude flood. If your property is in a FEMA Special Flood Hazard Area your lender will require NFIP or private flood coverage; even outside mapped zones, South Carolina's recent loss history makes flood quotes worth getting.
Yes, for businesses with 4 or more employees. The South Carolina Workers' Compensation Commission enforces this. Failure to carry coverage exposes the owner to direct liability for any injury claim plus civil and potentially criminal penalties.
South Carolina auto insurance compared across A-rated carriers, including required UM and offered UIM coverage.
South Carolina homeowners coverage with hurricane, flood-awareness, and rebuild-cost structuring.
Workers comp + GL + professional liability for South Carolina businesses.
Personal umbrella for South Carolina households.