Contractors Insurance in South Carolina: Licensing & COI Requirements (2026)

Insurance Requirements for Contractors in South Carolina

To operate legally as a commercial or residential contractor in South Carolina, you must satisfy insurance standards set by state licensing boards and hiring General Contractors.

1. Essential Coverage for Contractors:

• General Liability ($1M/$2M): Essential policy covering bodily injury or property damage during job site operations.
• Workers' Compensation: Legal mandate for businesses employing 4 or more workers or regular helpers.
• Commercial Auto Insurance: Mandatory for work trucks, vans, and crew transport.

2. Fast Certificate of Insurance (COI) Issuance

A COI verifies active policy coverage. Smart Shield includes required endorsements like Additional Insured and Waiver of Subrogation requested by hiring GCs.

Official Sources & Regulatory Guidelines:

• South Carolina Department of Labor, Licensing and Regulation (SC LLR)
• SC Workers' Compensation Commission (WCC)

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