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Commercial General Liability & Contractors Liability Insurance in South Carolina

Running a business or working as a contractor means interacting with clients, vendors, and job sites where accidents can happen. Commercial general liability (CGL) and contractors liability insurance help protect your business from claims related to bodily injury, property damage, and legal expenses that may arise during the course of your operations.



Hutson-Etherredge Companies works with South Carolina business owners and contractors to provide liability coverage that supports their work and safeguards against costly claims.

What Does This Insurance Cover?

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Third-party bodily injury
Covers medical costs and legal claims if someone is injured on your business property or job site.

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Property damage to others
Pays for repairs or replacement if your work accidentally damages a client’s property or a neighboring structure.

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Products and completed operations
Protects your business from claims related to your product or service after a project is finished.

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Legal defense costs
Includes attorney fees, settlements, and court costs if your business is sued for a covered liability.

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Advertising injury
Provides protection against claims of slander, libel, or copyright infringement related to your marketing efforts.

Why You Need It

Helps protect your business financially

Even a small claim can lead to large legal fees and settlement costs. This coverage helps absorb those risks.

Required by clients and contracts

Most commercial leases, vendor agreements, and construction contracts require proof of general liability coverage.

Covers worksite accidents

Whether you work in construction, renovation, or general service, liability coverage supports your business when unexpected incidents occur.

Frequently Asked Questions

  • Is General Liability insurance required in South Carolina?

    It’s not required by law for all businesses. However, it is one of the most important and valuable coverages to help protect your business and your assets.






  • Does this cover employee injuries?

    No. Employee injuries are covered under workers’ compensation. Liability insurance covers injuries to other (Third) parties. 



  • Do subcontractors need their own liability coverage?

    Yes. If you hire subcontractors, it’s strongly recommended they carry their own liability policies. In South Carolina, you can be left unprotected if you use uninsured subcontractors.


Get a Quote for General Liability Insurance

Protect your business from claims that could disrupt your work or lead to unexpected costs. Hutson-Etherredge Companies can help you find liability coverage for your operations.


Call us at  803-649-5141 or request a free quote online.