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Restaurant insurance in south carolina cost

Understanding Restaurant Insurance in South Carolina And How To Stay Protected

South Carolina (SC) Business Insurance

As a business owner in South Carolina, have you truly considered the risks your business faces on a daily basis?

From the risk of customer accidents and foodborne illness outbreaks to the potential for costly lawsuits, fires, and natural disasters, the odds seem stacked against you.

Could your culinary dream withstand a devastating event that forces you to close temporarily or permanently?

Are you prepared to shoulder the immense costs of medical bills, legal fees, and business property repairs on your own?

Proper business insurance isn’t just a smart investment – it’s an absolute necessity for protecting your business from financial ruin.

With the right coverage in place, you can rest easy knowing your life’s work is safeguarded against the unexpected.

So, are you willing to gamble your restaurant’s future on a roll of the dice?

Or will you take the prudent step to secure your hard-earned success with a comprehensive insurance plan?

The choice is yours, but remember – when it comes to your business, it’s better to be safe than sorry.

Get a free quote from the #1 insurance agency in South Carolina. We have the best small business insurance in South Carolina for your restaurant

Table of Contents

What is the cost of Restaurant Insurance in South Carolina?

The business insurance cost in South Carolina can vary widely depending on various factors, such as the size of your business, the types of coverage you need, your location, and your claims history.

According to a report by the National Restaurant Association, the average cost of restaurant insurance can range from $1,000 to $5,000 annually.

Getting The Right Coverage Mix

Insurance Requirements: Why is South Carolina Restaurant Insurance Policy?

Running a restaurant in South Carolina comes with its own set of challenges and risks.

Here’s why having the right insurance coverage is essential:

Protect Your Business from Financial Loss

From costly lawsuits and property damage to employee injuries, the potential for financial loss in the restaurant industry is significant.

According to the National Restaurant Association, foodborne illness outbreaks can cost restaurants an average of $450,000 per incident. Proper insurance coverage can help protect your restaurant from these financial setbacks.

Comply with South Carolina Regulations

As mentioned earlier, certain types of insurance, such as workers’ compensation and bar insurance & liquor liability policy, are legally required as per the state law.

Failure to comply with these regulations can result in hefty fines and potential legal trouble.

Give Your Customers Peace of Mind

Having adequate insurance coverage not only protects your business financially but also demonstrates your commitment to providing a safe and trustworthy dining experience for your customers.

This can help build loyalty and credibility for your restaurant.

Types of South Carolina Business Insurance Coverage for Restaurant

General liability policy is the foundation of any comprehensive restaurant insurance plan.

It protects your business against claims of bodily injury, property damage, and advertising injury caused by your operations.

Business liability insurance for South Carolina is like a casualty insurance. 

It is essential for mitigating the risks associated with customer accidents, such as slip-and-fall incidents, as well as product liability claims arising from foodborne illnesses or allergic reactions.

Common claims under general liability coverage for your business include:

  • Slip-and-fall accidents on your premises
  • Food poisoning cases and allergic reactions
  • Defamation or advertising injury claims

According to South Carolina laws and regulations, businesses with four or more employees must carry workers’ compensation insurance.

This is the best coverage that shields your business if an employee gets injured on the job.

It covers their medical expenses and a portion of their lost wages

Workers’ compensation insurance can help protect your business from potential lawsuits by providing wage replacement and covering legal fees related to workplace injuries.

Your restaurant’s business assets, such as the building, equipment, and inventory, are essential to your operations.

Commercial property coverage helps safeguard these assets against perils like fire, theft, vandalism, and natural disasters

Without this coverage, a single event could leave you facing significant financial losses and potential closure.

Additionally, you can add business interruption coverage to your commercial property policy.

This valuable endorsement helps cover your lost income and operating expenses if you have to temporarily close due to a covered loss, ensuring your business can weather the storm.

If your restaurant has catering vans, company cars, or delivery vehicles in South Carolina, commercial auto insurance is a must-have. 

This commercial insurance for your South Carolina business protects you against accidents, liability claims, and vehicle damage, ensuring your wheels keep turning no matter what.

You can also add additional coverages like hired and non-owned auto liability for added protection.


If your restaurant serves alcoholic beverages, a liquor liability insurance policy is an absolute necessity.

South Carolina has strict “dram shop” laws that hold businesses responsible for serving visibly intoxicated patrons who later cause injury or damage.

This coverage can help protect your business from costly claims, legal fees, and settlements stemming from alcohol-related incidents.

Imagine a power outage or equipment breakdown that causes your valuable food inventory to spoil.

Food spoilage insurance can help cover the costs of replacing spoiled food, minimizing the financial impact on your business and ensuring you can continue serving fresh, high-quality dishes to your customers.

Equipment Breakdown Coverage

Your kitchen equipment is the lifeblood of your restaurant operations.

If a crucial piece of equipment breaks down, like a refrigerator or oven, it can bring your business to a standstill.

Equipment breakdown insurance also helps cover the costs of repairing or replacing essential equipment, minimizing downtime and keeping your kitchen running smoothly.

As a restaurant owner, you rely on professional advice and services from various sources, such as accountants, consultants, and even your staff.

Professional liability insurance can help cover the costs associated with professional mistakes or negligence claims, providing a safety net for your business against potential lawsuits or settlements.

In today’s digital age, cyber threats are a growing concern for businesses of all sizes, including restaurants. 

Cyber liability insurance protects your restaurant from financial losses if data breaches or cyberattacks compromise customer information.

This can include costs associated with notifying affected customers, credit monitoring services, and potential lawsuits.

With sensitive data like credit cards and personal information often stored electronically, cyber liability insurance offers valuable peace of mind in today’s digital age.

A Business Owner’s Policy (BOP) is a bundled insurance package that includes general liability, commercial property, and sometimes business income coverage into one convenient policy.

BOPs are designed specifically for small businesses and can provide cost-effective coverage for your restaurant, streamlining your insurance needs into a single policy.

While your primary insurance policies offer a certain level of coverage, umbrella insurance can provide an extra layer of protection by extending your liability coverage beyond the limits of your existing policies.

This can give you added peace of mind in the event of a major claim or lawsuit, ensuring your business is adequately protected against catastrophic losses.

South Carolina Food Liability Insurance
Stress-free Solutions

Get a Certificate of Insurance for a Small Business in South Carolina

Best restaurant insurance in south carolina

In many cases, landlords, vendors, event spaces, and other third parties may require proof of insurance before doing business with your restaurant.

This is where a certificate of insurance comes into play.

This document serves as evidence that your restaurant has its business insurance needs covered, ensuring compliance with legal and contractual requirements.

It also ensures that your coverage needs are fulfilled and that your restaurant is safe to do business with.

Insurance Solutions Customized For You

Yes, It's Really That Easy

We know how frustrating and complex the process of finding the right restaurant insurance can be and how it affects your peace of mind when you don’t have the right coverage. Let us help craft a policy that works for you.

Step 1: Assess

Tell us about your specific needs and we will find the right policy for you.

Step 2: Review

Review the results of our search.

Step 3: Service

We will walk you through your new policy step by step.

Our happy customers
We’ve helped SC Restaurant Clients Just Like You

Our Carrier Partners


That allows us to find the best rates for your restaurant

Get the Best Insurance Cost for Restaurant Insurance in South Carolina from #1 Insurance Agency 

Protecting your restaurant with the right insurance coverage can help cover you in the event of major losses.

At The Allen Thomas Group, we are an independent insurance agency that understands the unique risks and challenges faced by South Carolina small business owners, and we’re here to help you find the perfect insurance recipe for your business and employees.

With over 20 years of experience serving the food and beverage sector, we are one of the top insurance carriers specializing in customized business insurance solutions that offer the greatest level of protection and security.

Our team of experts will work with you to develop a personalized insurance plan that meets your specific needs and budget and can help bring your business back in the event of a major liability.

From Charleston’s vibrant restaurant scene to the charming eateries dotting the Lowcountry, we’ve got you covered. Whether you’re a small family-owned eatery or a bustling chain, we’ll help you navigate the complex world of restaurant insurance and ensure you have the right coverage in place.

Get the coverage in one place to shield your business. Don’t leave your business vulnerable to unexpected risks. The right coverage protects businesses from potential risks.

Contact The Allen Thomas Group today and get a quote online quickly. Let us help you find the perfect insurance solution for your South Carolina restaurant. 

Frequently Asked Questions

Get More Insights On Making The Right Insurance Decision For Your Restaurant 

In South Carolina, restaurant owners face unique risks that could disrupt their business and income. Business income insurance steps in for financial assistance during these times.

The insurance may protect against lost income if your restaurant has to close due to a covered event, such as a fire, theft, or even a foodborne illness outbreak. This insurance provides coverage for lost profits, payroll expenses, and even additional operating costs incurred while you’re unable to operate normally.

Husk (Charleston): Renowned for its focus on heirloom ingredients and innovative take on classic Southern dishes, Husk has been named “Best Chef Southeast” by the James Beard Foundation.

McCrady’s (Charleston): Another Charleston staple, McCrady’s offers a more contemporary take on regional cuisine, with dishes like scallops with local rice porridge.

FIG (Charleston): This lively oyster bar is a favorite among locals, known for its fresh seafood and eclectic daily specials.

Thoroughbred’s Chophouse & Seafood Grille (Myrtle Beach): Located in the heart of Myrtle Beach’s “Restaurant Row,” Thoroughbred’s offers a wide selection of surf and turf options, perfect for a special occasion.

Magnolias (Charleston): This restaurant presents a refined take on traditional Southern cooking in a warm and sophisticated environment.

Smoke on the Water (Hilton Head): Specializing in upscale seafood with stunning waterfront views, Smoke on the Water is a popular choice for a romantic dinner.

South Carolina Department of Commerce – Business Regulations: This website provides an overview of business regulations in South Carolina, which may include insurance requirements for restaurants.]

The National Restaurant Association: This national organization offers a wealth of resources for restaurant owners, including information on insurance.]

The Hartford – Restaurant Insurance Guide: This comprehensive guide from The Hartford explains various restaurant insurance coverages and helps you choose the right ones for your business.]

South Carolina Specific Resources:

South Carolina Restaurant and Lodging Association (SCRL): This association offers resources and advocacy for restaurants in South Carolina. They might have information on insurance requirements or partner with insurance providers who specialize in restaurant coverage.]

South Carolina Workers’ Compensation Commission: This website provides information on workers’ compensation insurance, which is required by law in South Carolina for all businesses with employees.

South Carolina Cities We Serve














Boiling Springs





















Five Forks


Forest Acres


Fort Mill

Fountain Inn



Garden City


Goose Creek







Hilton Head Island


Homeland Park

India Hook


Isle of Palms

James Island


Lake City

Lake Murray of Richland

Lake Wylie


Laurel Bay



Little River




Moncks Corner

Mount Pleasant


Murrells Inlet

Myrtle Beach


North Augusta

North Charleston


North Myrtle Beach

Oak Grove




Port Royal


Red Bank

Red Hill

Rock Hill


Sans Souci


Seven Oaks




St. Andrews



Surfside Beach


Tega Cay

Travelers Rest


Valley Falls

Wade Hampton




West Columbia