Construction Job Site Insurance in South Carolina: Requirements & Coverage (2026)

What insurance do you need for construction jobs in SC?

Executing construction projects in South Carolina (new builds, residential remodeling, commercial electrical, plumbing, or roofing) requires specialized insurance policies to satisfy state compliance and client mandates.

1. General Liability Insurance

Covers bodily injury and property damage claims caused during construction work. GCs typically require minimum limits of $1,000,000 per occurrence / $2,000,000 aggregate.

2. Builder's Risk Insurance

Protects the structure under construction, job site building materials, and temporary structures from perils like fire, windstorms, vandalism, or theft throughout the build process.

3. Tools & Equipment Coverage (Inland Marine)

Construction tools and machinery are primary theft targets. Inland Marine policies protect power tools, generators, and heavy machinery on-site or in transit.

4. Workers' Compensation

Mandatory in South Carolina for businesses with 4+ employees. Covers medical bills and lost wages for injuries occurring on job sites.

Official Sources & Regulatory Guidelines:

• South Carolina Department of Insurance (SCDOI)
• SC Contractor Licensing Board (SC LLR)
• Occupational Safety and Health Administration (OSHA)

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At Smart Shield Insurance, we specialize in construction coverage in South Carolina. Contact our local bilingual agents to receive fast quotes and same-day COIs.

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