803-396-7878 |  Locations ☰ ˟
Logo
Find Our Nearest Location
  • Our Agency
    • AboutImage of right arrow
      • Employee Directory
      • Our Location
    • Get A QuoteImage of right arrow
      • Get A Quote
    • Our Providers
    • Community Involvement
    • Contact UsImage of right arrow
      • Fort Mill Office
      • Clover Office
      • York Office
  • Products
    • Home InsuranceImage of right arrow
      • Condo Insurance
      • Homeowner's Liability
      • Property Insurance
      • Flood Insurance
      • Tenants/Renters Insurance
      • Scheduled Property Insurance
    • Auto InsuranceImage of right arrow
      • Uninsured and Underinsured Motorist
      • Classic Car Insurance
      • Personal Injury Protection
      • Rental Reimbursement
      • Liability Coverage
      • Collision Coverage
      • Vanishing Deductible
    • Powersports Vehicle InsuranceImage of right arrow
      • Motorhome Insurance
      • Motorcycle Insurance
      • Boat Insurance
      • ATV Insurance
    • Other Personal InsuranceImage of right arrow
      • Personal Umbrella & Identity Theft
    • Coverage for Specific IndustriesImage of right arrow
      • Accounting Firm Insurance
      • Alarm Contractors Insurance
      • Bar Insurance
      • Box Truck Insurance
      • Builders Risk Insurance
      • Car Dealership Insurance
      • Cargo Insurance and Freight Insurance
      • Catering Insurance
      • Cleaning Business Insurance
      • Construction Insurance
      • Consulting Firm Insurance
      • Contractors Insurance
      • Specialty Trade Contractors Insurance
      • Craft Brewery Insurance
      • Dental Practice Insurance
      • Dump Truck Insurance
      • Educational Facility Insurance
      • Financial Institution Insurance
      • Food Truck Insurance
      • Fleet Insurance
      • Handyman Insurance
      • Garage Insurance
      • Healthcare Facility Insurance
      • Healthcare Practice Insurance
      • HVAC Contractors Insurance
      • Law Firm Insurance
      • Life Science Insurance
      • Limousine Services Insurance
      • Liquor Liability Insurance
      • Livestock Insurance
      • Maintenance Contractors Insurance
      • Manufacturing Insurance
      • Minibus Insurance
      • Non Profit Insurance
      • Personal Trainer Insurance
      • Pharmacist Insurance
      • Pool & Spa Insurance
      • Printers & Publishers Insurance
      • Real Estate Businesses Insurance
      • Restaurant Insurance
      • Retail Insurance
      • Self-Storage Insurance
      • Specialized Truck Equipment Insurance
      • Technology Services Insurance
      • Tractor Insurance
      • Tow Trucks Insurance
      • Veterinary Insurance
    • Coverage for Your BusinessImage of right arrow
      • Bonds
      • Business Catastrophe Insurance
      • Business Owners Policy (BOP)
      • Commercial Auto Insurance
      • Commercial General Liability
      • Commercial Property Insurance
      • Commercial Real Estate Insurance
      • Commercial Umbrella Insurance
      • Crime Insurance
      • Equipment Insurance
      • Errors and Omissions Insurance
      • Fidelity Bonds
      • Loss Control Insurance
      • Inland Marine Insurance
      • Marine Insurance
      • Mechanical Breakdown Insurance
      • Office Insurance
      • Product Liability Insurance
      • Professional Liability
      • Small Business Insurance
      • Small Business Liability Insurance
      • Surety Bonds
      • Technology Insurance
      • Trailer Insurance
      • Transportation Insurance
      • Trucking Insurance and Semi Truck Insurance
      • Workers Compensation
      • Van Insurance
    • Coverage for Your EmployeesImage of right arrow
      • Individual Life Insurance
    • Farm InsuranceImage of right arrow
      • Crop Insurance
      • Farm Owners Insurance
      • Farm Livestock Insurance
      • Equine Insurance
      • Farm Equipment Insurance
      • Farm Dwelling Insurance
      • Farm Structures Insurance
      • Farm Auto Insurance
      • Farm Umbrella Insurance
      • Farm Liability Insurance
  • Get A Quote
    • Auto Insurance Quote
    • Business & CommercialImage of right arrow
      • Business Owners (BOP) Quote Form
      • Commercial Auto Insurance Quote
      • General Liability Quote Form
    • Classic Cars Insurance Request
    • Farm Quote Request
    • Homeowners Insurance Quote
    • Life Insurance Quote
    • Motorcycle Insurance Quote
    • Recreational Vehicle Insurance Quote
    • Renters Insurance Quote
    • Umbrella Insurance Quote Request
    • Workers Compensation Insurance Quote
  • Blog
  • Resources
    • Refer a Friend
    • Important Links
    • Insurance Glossary
  • About Us
    • About Us
    • Employee Directory
    • Testimonials
    • Privacy Policy
  • Contact Us
    • Fort Mill Office
    • Clover Office
    • York Office
    • Locations & Hours
    • Get A Quote
Auto and Home Icon

Auto

We browse through a wide variety of coverages and find the right one for you.

Learn More
Business Icon

Home

We browse through a wide variety of coverages and find the right one for you.

Learn More
Life and Health Icon

Life

We browse through a wide variety of coverages and find the right one for you.

Learn More
RV and Boat Icon

Business

We browse through a wide variety of coverages and find the right one for you.

Learn More
Annuities Icon

Recreational

We browse through a wide variety of coverages and find the right one for you.

Learn More
Home > Business and Commercial Insurance in Charlotte, Fort Mill, Clover, and York SC

Business & Commercial Insurance


Business & Commercial Insurance Quote Forms

Looking for coverage? Click any of the following links to submit a quote for quick, accurate and affordable rates.

Business Owners (BOP) Quote Form
Classic Cars Insurance Request
Commercial Auto Insurance Quote
General Liability Quote Form
Umbrella Insurance Quote Request
Workers Compensation Insurance Quote

Business & Commercial Insurance Information

Business & Commercial Insurance in Charlotte, Fort Mill, Clover, and York SC

Insurance for Businesses Throughout South Carolina

 

Running a business is hard work but protecting it should be easy. Even though it’s impossible to predict every accident or claim, you can prepare as best as possible with a reliable business and commercial insurance policy. John Lovsin Agency works with business owners throughout South Carolina to tailor policies specifically for their needs and budget. Our dedicated agents will help you evaluate the risks of your industry and prepare a policy that protects your hard-won assets. 

What Does Commercial Insurance Cover? 

Commercial insurance includes a variety of different policies and coverages for risks a business may face. Some of these insurance policies can be geared for specific industries while others provide more general coverage. Common policies to consider include: 

General Liability

General liability is one of the most common and useful liability policies. This type of insurance covers bodily injury, property damage and personal or advertising injury. 

  • Bodily Injury: Bodily injury coverage can help with someone else’s medical bills if they’re injured on the business’ property as well as protecting the business against a lawsuit concerning the injury. 
  • Property Damage: Property damage coverage provides compensation for someone else’s property that may be damaged as a result of the business’ everyday operations.
  • Personal and Advertising Injury: Personal and advertising injury covers claims against the business concerning libel, slander, malicious persecution and more. 


There are several liability insurances available for specific businesses and industries, such as: 

  • Professional Liability: Professional liability insurance covers claims of professional negligence against the business. 
  • Umbrella Liability: Umbrella liability insurance fills in gaps left by your other liability policies.
  • Cyber Liability: Cyber liability insurance covers claims against the business concerning electronically stored information. 

 

Commercial Auto Insurance 

Commercial auto insurance covers vehicles owned or used by a business. If your business operates through delivery, you will need commercial auto insurance to protect the vehicles and liability against the business. 

A commercial auto insurance policy may include comprehensive coverage, collision coverage, liability, medical payments, uninsured/underinsured motorist coverage and more. 

Hired or Non-Owned Liability insurance can help cover vehicles used but not owned by a vehicle, such as employee vehicles. 

Workers Compensation 

Workers compensation covers employees who are injured on the job. This insurance can provide compensation for medical bills, emergency expenses, disability benefits, wage replacement and more. 

Workers compensation is crucial for protecting your business and guaranteeing employees will receive financial assistance after a workplace accident. This insurance can also help the business with legal expenses in case of a lawsuit regarding such an injury. Every state has different laws regarding workers compensation. 

In South Carolina, all employers with at least four employees (either full-time or part-time) must carry workers compensation. It is encouraged that all businesses carry workers compensation even with a single employee, however, to guarantee coverage for you and your workers. 

Business Owners Policy 

A business owners policy is a type of business insurance package that combines coverages into a single policy for small businesses. At its most basic, this insurance covers general liability and commercial property insurance. Commercial property insurance covers the physical assets of your business in case of damage caused by fire, wind, hail, lightning, theft, vandalism and more. However, these policies can be adjusted depending on your business’s needs. 

Insure with John Lovsin Agency 

Protect your hard work with a policy is deserves. Call John Lovsin Agency today or fill out an online quote form to get started. 

Common Commercial Insurance Questions 

 

How Much Does Commercial Insurance Cost? 

The cost of commercial insurance varies depending on several factors, including the type of insurance and amount of coverage. Fill out an to find out how much you can save on business insurance. 

How Much Commercial Insurance Do I Need? 

Every business’ insurance needs are different, so it is important to consider your industry’s and company’s unique risks. The agents at John Lovsin Agency are ready to help you evaluate risks in your area and industry to find the best policy for your needs. 

How Does Commercial Insurance Work? 

Most commercial insurance works much like any other insurance policy. In general, you pay monthly premiums in return for coverage. If you have to file a claim on your insurance policy, you may need to meet a deductible before receiving compensation.

If you have any questions about business insurance or are looking to get insured today, give us a call!

Fort Mill Office: (803) 396-7878

Clover Office: (803) 222-9710

York Office: (803) 684-2096

 

Check out our other insurance products:

  • Auto Insurance
  • Home Insurance
  • Farm Insurance
  • Life Insurance
  • Renters Insurance
  • Umbrella Insurance
  • Motorcycle Insurance

Contact Us Today!

Social Social

Resources

  • Products
  • Customer Service
  • Payment/Claims
  • About Us
  • Refer A Friend
  • Our Carriers
  • Blog
  • Contact Us

Fort Mill Office

114 Main St.
Fort Mill, SC 29715

P: 803-396-7878

Clover Office

108 Bethel St.
Clover, SC 29710

P: 803-222-9710

York Office

506 E Liberty St.
York, SC 29745

P: 803-684-2096
© Copyright. All rights reserved. | Powered by Insurance Website Builder