SC Business Insurance | GL, Workers' Comp, Key Person, Buy-Sell, SBA | Wolf Financial
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Most SC employers with four or more employees must carry workers' compensation — and most SBA 7(a) loans over $350K require life insurance as collateralRequest a review →
Business Coverage · Lexington & Columbia, SC

Protect The Business. Protect The Owners. Protect What Comes Next.

General liability. Workers' comp. Property. Commercial auto. Cyber. EPLI. Umbrella. Twenty lines of business coverage placed by one independent broker across 80+ A-rated carriers — plus the key person, buy-sell, and SBA collateral work most P&C agencies don't touch. One agency, one renewal calendar, one number to call.

Schedule a Coverage Review Call (803) 667-4239
4330 Augusta Rd · Lexington, SC (803) 667-4239 Mon–Sat 10am–7pm · Sunday by appointment
20
Lines of Business Coverage
80+
A-Rated Carriers Shopped Per Placement
Same day
Certificates Once Coverage Is Bound
$0
Cost to Run the Numbers
SC Licensed Independent Brokerage Lexington Chamber of Commerce Christian-Owned 4330 Augusta Rd, Lexington
The Four Questions

If any of these happened next quarter, does the business absorb it?

Every SC business has exposure on at least one of these. Most have exposure on all four and have never had anyone look at them together — because the agent who wrote the general liability doesn't know what the buy-sell says, and the agent who wrote the buy-sell has never seen the certificate requirements in your contracts.

— 01

Somebody gets hurt.

A customer falls in your lobby. An employee is injured on a job site. A subcontractor's crew gets hurt on your project. General liability and workers' compensation are the two policies that answer — and in South Carolina, workers' comp is generally required once you have four or more employees.

— 02

The doors close for a month.

Fire, storm, water, or a vehicle through the front of the building. Rebuilding is the obvious cost. Payroll and rent while you're closed is the one that kills businesses — which is what business income coverage inside a property policy or BOP is for.

— 03

Someone sues, or the data walks.

A former employee files a discrimination claim. A client says your work cost them money. Ransomware locks the server and customer records are exposed. EPLI, professional liability, and cyber are three separate policies, and defense costs start before fault is ever decided.

— 04

An owner or key person is gone.

A partner dies and their spouse inherits the shares. The one producer who drives revenue leaves. The bank calls the loan. Key person coverage, funded buy-sell agreements, and SBA collateral assignments handle what insurance on the building never will.

Featured · What Contracts Actually Require

Most businesses don't buy coverage because they want it. They buy it because somebody demanded proof.

A general contractor won't let your crew on site. A landlord won't hand over keys. A client's procurement team won't release the PO. A franchisor won't approve the location. Every one of them wants the same thing: a certificate of insurance showing specific coverages, specific limits, and often specific endorsements naming them.

The three most commonly demanded: general liability at $1M per occurrence and $2M aggregate, workers' compensation with employer's liability, and commercial auto when vehicles are involved. Professional liability and cyber get added for anyone touching advice or data.

Where it goes wrong: the endorsements. Additional insured status, waiver of subrogation, and primary and non-contributory wording have to be built into the policy at placement. They can't be conjured onto a certificate the afternoon somebody asks for one — and a certificate that doesn't match the contract language gets rejected.

Send us the insurance requirements section of your contract before you buy. We'll quote to that exact specification, and you'll have a certificate that clears review the first time.

Send Us This

The insurance requirements page from any contract, lease, or bid packet — before you place coverage.

Same dayCertificates once coverage is bound
4+SC employees generally triggers workers' comp
Commercial Property & Casualty

The nine policies that carry the business day to day.

This is the working shelf — the coverage that answers when something happens on a Tuesday. Written across 80+ A-rated carriers, on one renewal calendar, by the advisor who also knows what your buy-sell says.

01Liability
Who it's for

Every business with a physical location, employees on customer property, or a contract requiring proof of insurance. This is the baseline policy.

General Liability

What it answers: third-party bodily injury, third-party property damage, and personal and advertising injury claims made against the business. A customer slips. Your crew damages a client's floor. A competitor claims your marketing disparaged them.

What matters at placement: the per-occurrence and aggregate limits (commonly $1M/$2M), whether products-completed operations is included, and the endorsements your contracts demand — additional insured, waiver of subrogation, primary and non-contributory.

General liability generally excludes injury to your own employees (that's workers' compensation), damage to your own property (commercial property), professional advice (E&O), and data breach (cyber). Most businesses need more than one policy.
Get a Quote Call Direct
02BOP
Who it's for

Small and mid-sized businesses that need both liability and property coverage — retail, offices, restaurants, contractors, service businesses.

Business Owners Policy

What it answers: general liability and commercial property bundled into a single policy, usually with business income included. For most eligible small businesses it's meaningfully cheaper than buying the two separately, and it's one renewal instead of two.

What matters at placement: eligibility. BOPs are rated by class of business, square footage, and receipts, and carriers differ substantially on which classes they'll write. A business one carrier declines is a standard risk at another — which is the entire argument for shopping it.

Get a Quote Call Direct
03Property
Who it's for

Any business that owns a building, leases space with tenant improvements, or holds equipment and inventory worth replacing.

Commercial Property & Business Income

What it answers: buildings, equipment, inventory, furniture, and tenant improvements — plus business income and extra expense, which pays ongoing payroll, rent, and fixed costs while a covered loss keeps you closed.

What matters at placement: replacement cost versus actual cash value, whether the limit reflects today's construction costs rather than what you paid, coinsurance penalties, and the length of the business income period. South Carolina wind, hail, and water deductibles deserve a line-by-line read.

Business income is the coverage owners most often discover they were underinsured on. Rebuilding takes longer than people plan for, and a 30-day income limit rarely covers a rebuild.
Get a Quote Call Direct
04Work Comp
Who it's for

SC employers — generally required once you have four or more employees, and frequently required by contract well below that threshold.

Workers' Compensation

What it answers: medical costs and lost wages for employees injured on the job, plus employer's liability coverage for related suits. It's the policy general contractors check first and the one that carries real penalties for going without.

What matters at placement: class codes and payroll estimates drive the premium, and misclassified codes are the most common reason a policy audits badly at year end. How owners, officers, and subcontractors count toward your employee total is worth getting right before you're relying on the answer.

South Carolina requirements depend on employee count, industry, entity type, and how owners and subcontractors are counted, and are subject to change. Confirm current requirements with the SC Workers' Compensation Commission or your attorney.
Get a Quote Call Direct
05Auto
Who it's for

Businesses with owned vehicles or fleets — and, just as importantly, businesses whose employees drive personal vehicles on company errands.

Commercial Auto & Hired/Non-Owned

What it answers: liability and physical damage for company vehicles, trailers, and equipment in transit. Hired and non-owned auto covers the gap when an employee runs a company errand in their own car and causes an accident — an exposure most small businesses carry unknowingly, because the employee's personal policy may exclude business use.

What matters at placement: radius of operation, driver MVRs, whether vehicles are titled to the business or the owner, and the limits your contracts require.

Get a Quote Call Direct
06EPLI
Who it's for

Any business with employees. Exposure begins at the first hire and grows with headcount, turnover, and terminations.

Employment Practices Liability

What it answers: defense costs and damages for wrongful termination, discrimination, harassment, retaliation, and failure-to-promote claims brought by employees, former employees, and sometimes applicants.

Why owners underestimate it: general liability excludes employment claims entirely, and workers' comp only covers physical injury. An EPLI claim brought by one former employee can run well into legal fees before anyone determines whether the claim had merit. Most policies are claims-made, so timing and reporting matter.

Get a Quote Call Direct
07E&O
Who it's for

Anyone paid for advice, expertise, or professional services — consultants, IT and software firms, accountants, agencies, engineers, real estate professionals.

Professional Liability (Errors & Omissions)

What it answers: claims that a mistake, omission, or piece of advice in your professional work cost a client money — including the defense of claims that turn out to be groundless.

What matters at placement: E&O is almost always written claims-made, which means the policy must be active when the claim arrives, not when the work was done. Your retroactive date controls how far back coverage reaches, and whether defense costs sit inside or outside your limit can matter more than the limit itself.

Switching carriers without carrying your original retroactive date forward can silently strip coverage from years of past work. We check that on every renewal quote we present.
Full E&O Page Get a Quote
08Cyber
Who it's for

Any business holding customer data, taking payments, or dependent on systems to operate — which is nearly every business, including ones that assume they're too small to be a target.

Cyber Liability

What it answers: breach response costs (forensics, notification, credit monitoring, legal), ransomware and extortion where covered, network security and privacy liability, and business interruption from a cyber event depending on the form.

What matters at placement: carriers now underwrite on controls. Multi-factor authentication, offline backups, and endpoint protection affect both eligibility and price. Tech firms often write cyber and E&O on one combined form, which avoids the argument over which policy a claim belongs to.

Get a Quote Call Direct
09Umbrella
Who it's for

Businesses whose contracts require limits above their primary policies, and any business where a single bad claim could exceed the underlying limit.

Commercial Umbrella / Excess Liability

What it answers: additional limits stacked over your general liability, commercial auto, and employer's liability once the underlying limits are exhausted. When a contract demands $5M and your GL is $1M, the umbrella is how you satisfy it.

What matters at placement: the umbrella follows the underlying policies, so gaps below it become gaps above it. Which policies are scheduled as underlying, and at what limits, is the detail to check.

Get a Quote Call Direct
Employee Benefits

What your people ask about first.

Health coverage is usually the largest benefit line in a small SC business and the one that decides whether you can recruit. Structure matters more than carrier — group, ICHRA, and individual produce very different math at different headcounts.

Group Health Insurance

Fully insured and level-funded small group medical, shopped across SC-admitted carriers. Level-funded can price better for groups with favorable claims experience, with some risk sharing.

Most asked about

ICHRA & QSEHRA

Reimbursement arrangements that let you fund employee coverage without running a traditional group plan. Often better economics for small SC employers with variable headcount.

Group Ancillary & Voluntary

Dental, vision, group term life, short- and long-term disability, and voluntary products at group rates. We run the employee education sessions so you don't have to.

Owner & Key Person Strategy

And then there's what happens to ownership.

The commercial shelf keeps the business running. These structures decide who owns it next, what the bank accepts as collateral, and what your family walks away with. Most brokerages don't write both sides — which is why the buy-sell and the certificate of insurance usually live at two different agencies.

Ownership & Continuity

Key Person Insurance

The business owns and is beneficiary of a policy on the person whose loss would hurt revenue most. Funds the runway to stabilize and recruit without panic-selling.

Premiums non-deductible · IRC §264

Buy-Sell Funding

Cross-purchase, insurance LLC, or entity-purchase structures that fund the agreement your attorney drafted, so a surviving partner buys the shares instead of inheriting a co-owner.

Post-Connelly review available

SBA Loan Collateral

Term life collaterally assigned to the lender under SBA SOP 50 10 8, with carrier documentation formatted for the loan file. We work directly with your loan officer.

Tell us your closing date first

Succession & ILIT Funding

Estate liquidity so the family isn't forced to sell the company to pay estate taxes. Your attorney drafts the trust; we place and fund the policy it owns.

Business Disability

Individual disability income, business overhead expense, key person disability, and disability buy-out — the funding gap most buy-sell agreements ignore entirely.

Section 162 Executive Bonus

A deductible bonus funds a personally-owned permanent policy. Retention tool for key employees, or supplemental accumulation for owners above 401(k) limits.

Bonus is taxable W-2 income
Owner Assets & Wealth

Investment Property

Landlord and dwelling-fire coverage for rentals, short-term rentals, and portfolios — including loss of rental income while a covered claim keeps a unit empty.

Owner Life Insurance

Personal coverage structured to protect the family and the business interest at once. Frequently the same policy that satisfies a lender or funds a buy-sell.

Tax-Advantaged Income Planning

Sequencing withdrawals, rollovers, and policy income in retirement so less of what you built goes to taxes. Coordinated with your CPA — we are not tax advisors.

One thing worth flagging · Connelly v. United States (2024)

If your buy-sell is an entity-purchase arrangement — the company owns the policies and redeems the deceased owner's shares — the Supreme Court's unanimous 2024 decision means those insurance proceeds now count as a company asset for federal estate tax purposes, increasing the value of the deceased owner's share. In the Connelly case itself, the share value rose from $3M to $5.3M, producing roughly $890,000 in additional estate tax.

Cross-purchase and insurance LLC structures generally keep proceeds outside the company's valuation. Existing arrangements can often be restructured, but sequencing matters — done wrong it can trigger transfer-for-value problems under IRC §101(a)(2). We coordinate the insurance side with your attorney and CPA; we don't draft the documents.

Request a Buy-Sell Review
Quick Reference

Match the coverage to the exposure.

ExposureProductPolicy OwnerFunded By
Customer injured on your premisesGeneral Liability (or BOP)The businessBusiness
Employee injured on the jobWorkers' CompensationThe businessBusiness
Building, equipment, or inventory lossCommercial Property (or BOP)The businessBusiness
Employee sues over termination or harassmentEPLIThe businessBusiness
Client claims your work cost them moneyProfessional Liability (E&O)The businessBusiness
Customer data breached or systems lockedCyber LiabilityThe businessBusiness
Company vehicle or employee driving on businessCommercial AutoThe businessBusiness
Judgment exceeds your underlying limitsCommercial UmbrellaThe businessBusiness
Rental property owned by the owner or entityInvestment Property / Dwelling FireOwner or entityOwner or entity
Partner dies, need to buy out spouseBuy-Sell (Cross-Purchase)Each co-owner individuallyEach owner personally
Older buy-sell, pre-2024 structureBuy-Sell (Restructuring)Depends on new structureDepends on new structure
Key producer dies or leavesKey Person InsuranceThe businessBusiness (non-deductible)
Owner wants tax-advantaged supplemental retirement§ 162 Executive Bonus + Permanent PolicyEmployee personallyBusiness bonus (deductible)
SBA loan requires collateral-assigned coverageTerm Life (collaterally assigned)The borrowerBorrower personally
Estate above exemption, business illiquidILIT-Funded Permanent PolicyThe ILIT (trustee)Trust (from annual gifts)
Owner disabled, business stallsBusiness Overhead Expense (BOE)The businessBusiness
Owner disabled, buy-sell has no fundingDisability Buy-Out (DBO)Per agreementPer agreement
Employees need health coverageGroup Health, ICHRA, or QSEHRAEmployer (or reimbursed)Employer / Employee split
Employee retention & competitive benefitsGroup Term / Dental / Vision / VoluntaryEmployer / EmployeeEmployer / Employee
The Process

Your business plan, in four steps.

We don't sell products. We diagnose the exposure, build the plan, and place the policy that makes it real.

Step 01

Exposure Review

A 30–60 minute call, Monday through Saturday between 10am and 7pm. Payroll and class codes, vehicles, property values, contract requirements, existing certificates, ownership structure, and what's already in force.

Step 02

Coordinate With Your Professionals

Your attorney handles the legal drafting. Your CPA handles tax analysis. We coordinate directly with both on ownership, beneficiary designations, § 162 reasonable-comp, and buy-sell structure.

Step 03

Shop 80+ Carriers

Independent brokerage. We run your profile across every A-rated carrier we have access to and present the real options side-by-side — rates, features, underwriting posture, realistic timelines.

Step 04

Placement & Documentation

Application, underwriting, and carrier follow-through. You get the issued policy, declaration page, certificates of insurance, and everything your attorney, CPA, or lender needs for the file.

Professional Coordination

We don't replace your attorney or CPA. We make their work execute.

Most business insurance failures aren't product failures — they're coordination failures. The trust gets drafted but the policy never gets placed. The buy-sell gets signed but the funding is wrong. The § 162 plan gets set up but the CPA never gets looped in on the reasonable-comp analysis. We built this practice to close those gaps.

  • With attorneys. Funding the structures they draft — ILITs, buy-sells, succession plans. Policy owned by the trust from inception. Crummey timing coordinated with the trustee.
  • With CPAs. § 162 reasonable-comp analysis, § 7702A MEC limit review, payroll coordination on bonus cycles.
  • With commercial lenders. SBA SOP 50 10 8 collateral-assignment placements, bank-ready carrier documentation, direct processor communication.
  • With your bookkeeper and HR. Certificates of insurance, workers' comp audits, additional-insured endorsements, and renewal calendars — the operational work that keeps contracts and job sites moving.
Common Questions

Straight answers for SC business owners.

Do you write general liability and workers' comp, or only life-based coverage?

Both. The commercial property & casualty shelf — general liability, business owners policies, commercial property, workers' compensation, commercial auto, EPLI, professional liability, cyber, and commercial umbrella — sits alongside the key person, buy-sell, § 162, SBA, and succession work. The advantage of one brokerage handling both is that the certificate your general contractor needs and the buy-sell your attorney drafted stop living in two different places, on two different renewal calendars.

Do I have to carry workers' compensation in South Carolina?

Generally yes once you have four or more employees, though there are industry-specific exceptions and rules about how owners, officers, and subcontractors count toward that total. Contracts and general contractors frequently require it below that threshold as well. We'll review your actual headcount and contract requirements — and confirm current requirements with the SC Workers' Compensation Commission, since the rules and exceptions do change.

How do I know if my existing buy-sell agreement is affected by Connelly?

If your buy-sell is structured as an entity-purchase — the company owns policies on each shareholder and redeems the shares at death — the 2024 Supreme Court decision in Connelly v. United States means the insurance proceeds now increase the company's value for federal estate tax purposes. We'll review the structure with your attorney and determine whether cross-purchase or an insurance LLC would be more favorable.

Is a § 162 Executive Bonus Plan a tax dodge?

No, and anyone pitching it as one is misrepresenting it. It's a legitimate, IRS-recognized compensation structure under IRC § 162. The bonus is taxable W-2 income to the employee in the year paid. The value comes from the tax treatment of the future cash value growth and policy distributions inside the personally-owned policy — not from eliminating current-year tax. Your CPA handles the deductibility analysis.

How fast can you place a life insurance policy for an SBA loan closing?

Fully underwritten term life placements generally take 2–6 weeks depending on health, face amount, and carrier. Simplified-issue paths may be available for qualifying healthy applicants at lower face amounts, subject to each carrier's underwriting rules. Timelines are never guaranteed. If you have a closing date, tell us on the first call so we can build the timeline backwards from it.

Can you get me a certificate of insurance quickly?

Once coverage is bound, certificates are typically issued the same or next business day. If a general contractor or client needs specific additional-insured or waiver-of-subrogation endorsements, tell us the requirement up front — those need to be built into the policy at placement rather than added at the moment someone asks for the certificate.

Do I need an attorney to set up a buy-sell agreement?

Yes. A buy-sell is a legal contract between the owners of a business and needs to be drafted or reviewed by a licensed attorney. Wolf Financial is an insurance brokerage — we place the policy that funds the agreement your attorney drafts.

How does business-owned life insurance affect my taxes?

Premiums on employer-owned life insurance are generally not deductible under IRC § 264. Death benefits are generally income-tax-free under IRC § 101(a), provided the notice-and-consent requirements of IRC § 101(j) are satisfied at application. § 162 Executive Bonus Plans are different — the bonus itself is deductible to the business as reasonable compensation. Your CPA handles the specific tax analysis.

What if my health is complicated?

Different carriers underwrite differently. Diabetes, heart conditions, weight, cancer history — what gets rated at one carrier gets standard at another. We work across 80+ A-rated carriers specifically because no single company is the right fit for every health profile.

When can I reach you?

Monday through Saturday, 10:00am to 7:00pm. Sunday is by appointment — call (803) 667-4239 and we'll set a time that works, including evenings. Our office is at 4330 Augusta Rd in Lexington, and we meet in person, at your place of business, or by video.

How do you get paid?

The insurance carrier pays a commission when a policy is issued. You don't pay us a fee. Commissions are disclosed on the application. Because we're independent across 80+ carriers, our recommendation is based on your situation, not our compensation.

Free Coverage Review

Schedule your business coverage review.

Not a sales call. We review your ownership structure, existing policies, and exposure points — then walk through what's possible. No obligation to move forward.

  • Commercial P&CGeneral liability, workers' comp, property, auto, cyber, EPLI, umbrella.
  • Owner StrategyKey person, buy-sell, § 162, succession planning.
  • Closing an SBA or Commercial LoanBank-ready collateral-assignment placement.
  • Post-Connelly Buy-Sell ReviewHonest assessment of whether restructuring makes sense.
  • FormatIn-person at 4330 Augusta Rd, at your business, virtual, or phone.
  • HoursMon–Sat 10am–7pm · Sunday by appointment.

Business Coverage Review

Licensed broker follows up within one business hour.

This is a request to be contacted. It is not an application for insurance and does not bind coverage. Quotes are subject to carrier underwriting and eligibility. Your inquiry stays with our office and is never sold.

Build The Plan. Fund It. Keep The Business.

A one-hour conversation today is the decision your business will be glad you made.

Independent brokerage. 80+ A-rated carriers. One broker who works for you.

Call (803) 667-4239 Schedule Online
Mon–Sat 10am–7pm · Sunday by appointment

Independent Insurance Brokerage. Licensed in South Carolina. Based on Augusta Road in Lexington, serving families, retirees, and business owners across the Midlands and statewide.

4330 Augusta Rd, Lexington, SC 29073
(803) 667-4239
Mon–Sat 10am–7pm · Sunday by appointment

About this page. This page is insurance advertising provided by Wolf Financial and is for educational purposes only. It is not insurance, legal, tax, or investment advice, is not an offer of insurance, and is not a guarantee of coverage, price, or claim outcome. Wolf Financial is a licensed South Carolina insurance brokerage. Products referenced — including term life, whole life, universal life, indexed universal life, individual and business disability income, group term life, and commercial property and casualty coverages — are insurance contracts issued by third-party carriers. Product features, underwriting, rider availability, limits, exclusions, and terms vary by carrier, state, and contract. In the event of any conflict between this page and the issued policy, the issued policy controls.

Commercial property & casualty. General liability, business owners policies, commercial property, workers' compensation, commercial auto, employment practices liability, professional liability, cyber liability, commercial umbrella, and investment property coverages are separate contracts subject to their own underwriting, eligibility, limits, deductibles, retentions, and exclusions. Availability depends on carrier appetite, class of business, loss history, and the risk presented. Professional liability and cyber policies are generally written on a claims-made basis; coverage may end at cancellation unless an extended reporting period is purchased.

Workers' compensation requirements. South Carolina workers' compensation requirements depend on employee count, industry, entity type, and how owners, officers, and subcontractors are counted, and are subject to change. Nothing on this page is a determination that any particular business is or is not required to carry coverage. Confirm current requirements with the South Carolina Workers' Compensation Commission or your attorney.

Tax and legal. A Section 162 Executive Bonus Plan is a compensation arrangement. The bonus paid by the business is deductible as reasonable compensation under IRC §162 and is taxable W-2 income to the employee in the year paid. Deductibility depends on total compensation meeting the reasonable-compensation standard under Treas. Reg. §1.162-7(b)(3). Tax treatment of cash value growth and policy distributions is governed by IRC §7702 and §7702A; Modified Endowment Contract status changes the tax treatment of distributions. Employer-owned life insurance is subject to IRC §101(j) notice-and-consent requirements to preserve income-tax-free death benefits, and premiums are generally non-deductible under IRC §264. Buy-sell restructuring from entity-purchase to cross-purchase or insurance LLC may implicate the transfer-for-value rule under IRC §101(a)(2) and requires legal and tax analysis specific to the facts. References to Connelly v. United States, 144 S. Ct. 1406 (2024), summarize the Supreme Court's unanimous holding and do not constitute legal advice on any specific buy-sell agreement. Wolf Financial is not a law firm or CPA firm — consult your attorney and CPA.

Trusts and SBA placements. ILIT proceeds are excluded from the taxable estate only when the trust is properly drafted, the policy is owned by the trust from inception (or transferred more than 3 years before death per IRC §2035), Crummey withdrawal notices are properly administered, and the trust is maintained in compliance with its terms. SBA collateral-assignment placement timelines depend on underwriting, health, face amount, and carrier, and are not guaranteed.

Compensation disclosure. Wolf Financial earns commissions from issuing carriers when policies are placed and remain in force. Commission compensation does not change the premium paid by the policyholder and is disclosed on the application prior to signature. Wolf Financial is appointed with a limited number of carriers and does not represent every carrier in the marketplace.

Consumer assistance. South Carolina residents may contact the South Carolina Department of Insurance at 1-800-768-3467 or doi.sc.gov for consumer assistance, complaint information, or to verify a producer's license. Wolf Financial · SC Insurance License #21594481.

TCPA & communications. By submitting the form on this page, you authorize Wolf Financial and its licensed producers to contact you by phone, text/SMS, and email at the contact information you provide, including via automated technology, regarding insurance and related services. Consent is not a condition of purchase. Message and data rates may apply. Reply STOP to opt out of SMS at any time.

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