Protect Your Mt. Pleasant, SC Contracting Business with Coastal Liability Insurance

Coastal Insurance Brokers is an independent insurance agency based in Mt Pleasant, SC, founded in 2010. We specialize in Business Liability and Contractors Liability insurance tailored to coastal South Carolina businesses — from small service providers to contractors exposed to wind, water and other weather-related risks.

We help coastal businesses secure a range of liability coverages including General Liability (third-party bodily injury and property damage), Contractors Liability (completed operations, products liability and jobsite exposures), Professional Liability (errors and omissions for service businesses), and Small Business Liability Packages that bundle coverages for cost-efficiency.

Contractors face common exposures such as jobsite injuries, faulty workmanship and third-party property damage. In Mt Pleasant and the Lowcountry, those exposures are compounded by hurricane, tropical storm and wind-related risks. Coastal Insurance Brokers designs Contractors Liability programs that reflect these regional realities to reduce financial exposure and satisfy contractual requirements.

Our local team evaluates whether your operations are in a flood zone and explains how flood designations affect coverage needs and costs. While flood insurance specifics vary, Coastal Insurance Brokers advises on flood considerations and partners with multiple carriers to find appropriate solutions for properties exposed to coastal flooding.

A wind deductible is a specific deductible that applies to wind-related claims (common in coastal areas). Coastal Insurance Brokers explains how wind deductibles work, how they influence premiums, and helps you shop multiple carriers to balance deductible levels and cost so your policy fits both risk tolerance and budget.

Yes. As an independent agency, we compare quotes across carriers and advise on cost-saving measures such as multi-policy discounts and wind mitigation improvements. Our consultative approach seeks the most competitive coverage while aligning premiums with your small business budget.

Wind mitigation features are building improvements or characteristics that reduce wind damage risk (e.g., reinforced roof attachments). Coastal Insurance Brokers evaluates your property’s mitigation features and advises which improvements may lower premiums, then helps you obtain quotes that reflect those savings.

We take a plain-language approach: our agents assess your risk profile, explain limits, deductibles and common exclusions that matter to coastal businesses, and ensure you understand what’s covered and what’s not so you can make informed decisions.

Yes. We design Contractors Liability programs to help you meet contractual insurance requirements from clients and project owners, including coverage for completed operations, products liability and proof of insurance needed for bids or contracts.

Coastal Insurance Brokers helps contractors secure liability protections that reduce exposure from jobsite accidents and third-party claims affecting tools, equipment and completed work. We work with you to identify gaps and pair liability coverage with other necessary products to protect your business assets.

As an independent agency, Coastal Insurance Brokers works with multiple carriers rather than representing a single company. That gives us flexibility to compare quotes, find coverage tailored to coastal exposures and secure competitive pricing suited to your trade and risk profile.

Yes. Coastal Insurance Brokers offers Professional Liability (errors and omissions) for service-based businesses that face claims of negligence or mistakes. We tailor coverage to your service type and coastal risk exposures and help you understand policy terms specific to professional services.

Contact Coastal Insurance Brokers by calling (843) 471-2621 or visiting https://www.sccoastalinsurance.com/ to request a consultation. Our agents will assess your risk profile, gather necessary information and shop multiple carriers to provide competitive quotes tailored to your business.

When requesting a quote from Coastal Insurance Brokers, have details about your business operations, trade, payroll and subcontractor use, past claims history, project types, location (including flood zone if known), and any wind mitigation features. This helps us accurately assess exposures and find the best policy options.

Coastal Insurance Brokers emphasizes continuous service and trust. While specific claims handling is coordinated with the carrier, our agents provide guidance throughout the claims process, help you understand coverages and work to maintain continuous protection so your business recovers quickly from losses.

Yes. Coastal Insurance Brokers serves a wide range of coastal businesses — from sole proprietors and small tradespeople to larger subcontractors and construction firms — tailoring liability solutions to each client’s size, trade and regional exposures.

Founded in 2010 and based in Mt Pleasant, Coastal Insurance Brokers brings local knowledge of South Carolina’s coastal risks. Our familiarity with flood zones, local building practices and storm-related exposures allows us to craft practical policies that reflect real-world conditions in the Lowcountry.

While exclusions vary by carrier and policy, common issues for coastal contractors include limited coverage for flood and certain storm-related losses unless separate flood insurance is purchased, and specific wind-related exclusions or deductibles. Coastal Insurance Brokers explains these exclusions and helps secure appropriate coverages or endorsements when available.

We help identify premium-reduction strategies such as bundling policies for multi-policy discounts, implementing wind mitigation improvements, maintaining good safety and claims histories, and choosing appropriate limits and deductibles. Our agents then shop carriers to find the best balance of price and protection.

Yes. Coastal Insurance Brokers provides customizable Small Business Liability Packages and Contractors Liability programs that reflect the specific exposures of different trades and jobsites — including completed operations, products liability and weather-related considerations unique to coastal South Carolina.