Your Business Insurance Advisors

As a Carolina business owner or executive, you know that insurance costs are often the second largest expense on your balance sheet – just behind the cost of payroll and benefits. Therefore, you also realize that insurance is an expense that deserves attention and expertise. You’ll find both at Correll Insurance Group.

As one of The Carolina’s largest, most experienced agencies, and with 20 offices across the region, we can provide your company with comprehensive business coverage at affordable rates. Moreover, we help you understand latent risks and stop losses before they occur with smart risk management and insurance solutions.

Whether you have a large or small business, we can respond to all your commercial insurance needs, including:

  • Liability insurance
  • Professional liability insurance
  • Property insurance
  • Business owners policy (BOP)
  • Business interruption insurance
  • Commercial auto insurance
  • Workers’ compensation coverage
  • Group life and health insurance
  • Commercial umbrella policies
  • Employment practices liability insurance

Do You Need Employment Practices Liability Insurance (EPLI)?

In recent years, an increasing number of employees have filed lawsuits against their employers for unlawful employment practices.

Any company with employees can potentially be sued for:

  • Wrongful termination or discipline
  • Sexual harassment
  • Discrimination
  • Emotional distress
  • Discriminatory hiring or promotion practices

For this reason, it’s a good idea to secure employment practices liability insurance. Ask your business insurance advisor if your business owners policy includes EPLI protection. If not, ask us for a free insurance quote.

Below, you’ll find more information about the business insurance most often needed by large and small businesses:

Liability Insurance

One of the biggest exposures facing Carolina small businesses is the risk of liability. For example, if someone slips and falls on your business premises, you could be found liable. If you sell tainted food that causes an E. coli outbreak, the damages could be catastrophic. If you manufacture a product that causes a consumer’s injury or death, you could be found negligent. If your employee gets in a car accident while driving in the scope of business, you could be held responsible. These are just a few of the many types of liability claims that can impact even the most safety-conscious businesses. Unfortunately, legal expenses and damages can add up fast, deteriorating your loss ratio and making you an undesirable risk for commercial insurance company underwriters.

Professional Liability Insurance

Businesses that provide advice face the risk of professional liability. For example, accountants, lawyers, real estate agents, and financial advisors all provide their clients with professional advice. If that advice results in financial loss and the client sues for damages, the business could be found liable. If the business is not properly insured, the owner’s personal assets are at risk. For that reason, it’s important to have professional liability insurance to protect against the unique exposures of your business.

Firefighter Insurance

Correll Insurance Group offers a unique program to protect fire departments and other first responders across The Carolinas through our partnership with VFIS.

Property Insurance

Property insurance protects your building’s structure from covered causes of loss such as wind and fire. Some policies also provide protection for your business inventory, equipment, boilers, machinery, and more. If you transport goods, ask your agent if your policy covers goods in transit or if a separate policy is needed.

Business Owners Policy (BOP)

If you need insurance for your small business, a BOP might provide the ideal insurance solution. It packages property and liability coverage together in one affordable business insurance policy.

Business Interruption Coverage

Have you ever stopped to wonder what might happen to your production and revenues if your place of business was no longer accessible? For many businesses this scenario spells financial disaster, but not if they’re protected by business interruption coverage. Business interruption coverage reimburses companies for their average monthly revenues if and when they’re unable to transact business due to a covered cause of business interruption.

Workers’ Compensation Coverage

If you have employees, you likely need a workers’ comp policy. Besides the South Carolina State Fund, there are many affordable options available. Ask us for a free work comp insurance quote. In addition to helping you fulfill your legal obligations, we help you cultivate a safe work environment to minimize claims and help injured workers recover as quickly as possible.

Commercial Auto Insurance Solutions

If you or your employees drive in the scope of business, you may be at risk unless you have commercial auto insurance. Whether your employees drive their own vehicles or business vehicles for work, personal auto insurance may deny coverage if an accident occurs.

Whatever your business insurance need, Correll Insurance Group can help! We are a Trusted Choice® independent agency with relationships with many of the nation’s “A” rated commercial insurance companies, so you can count on us to give you the most coverage options at the most affordable rates available.

Correll Insurance Group offers commercial insurance for South Carolina’s small businesses. Find a location near you, or call one of our offices for a free business insurance quote today.

Request More Info

You may also call 864.583.5445 to speak to an agent.

On the recommendation of friends, my wife and I began doing business with Correll Insurance Group shortly after we moved to Spartanburg in 1996. We have continued that relationship ever since and have been very pleased. Correll offers insurance coverage through a number of top flight carriers. They found us great coverage for our home and automobiles as well as an umbrella liability policy. While we have been very happy with the products offered, their outstanding customer service is really what has kept us coming back year after year. When I call or e-mail our agent at Correll with a question or concern, I can always expect a prompt, accurate, courteous response.

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Find A Local Agent

Looking for a trusted insurance partner you can count on? Look no further. Correll Insurance Group is here to serve you as we have served many generations throughout the Carolinas over the past 80 years. Our teams of independent insurance agents look forward to providing competent, competitive, and caring service that’s also convenient for you or your business.

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Citizens Insurance Agency

Anderson, South Carolina
(864) 226-0354
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Lowcountry Insurance Services

Beaufort, SC
(843) 522-2020
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Lowcountry Insurance Services

Bluffton, SC
(843) 815-2121
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Adams, Eaddy & Associates

Columbia, SC
(803) 254-9404
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Correll Insurance Group of Gaffney

Gaffney, SC
(864) 489-5788
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Chandler Insurance

Greenville, SC
(864) 232-1591
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Coastal Plains Insurance

Hilton Head Island, SC
(843) 785-7733
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Correll Insurance Group of Inman

Inman, SC
(864) 472-2129
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Landrum Insurance Agency

Landrum, SC
(864) 457-3328
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United Insurance Agency

Laurens, SC
(864) 984-4548
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John T. Cook & Associates – Loris

Loris, SC
(843) 756-7460
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John T. Cook & Associates – Myrtle Beach

Myrtle Beach, SC
(843) 626-9491
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Correll Insurance Group of Rock Hill

Rock Hill, SC
(803) 324-2984
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Correll Insurance Group of Spartanburg

Spartanburg, SC
(864) 583-5445
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Correll Insurance Group of Summerville

Summerville, SC
(843) 486-8711
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Correll Insurance Group of Union

Union, SC
(864) 429-8819
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Jerome and Summey Insurance Agency

Brevard, NC
(828) 884-4161
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Cashiers Insurance Agency

Cashiers, NC
(828) 743-2209
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Shelley Eaddy & Associates

Charlotte, NC
(704) 331-3980
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The Phoenix Company

Winston Salem, NC
(336) 765-9332
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