Business Insurance in Spartanburg, SC and Surrounding Communities

Commercial insurance tailored for Spartanburg’s growing business community—protecting your property, people, and operations with policies built for real-world risks.

From Main Street shops and professional offices to contractors, and startups in Spartanburg’s booming industrial corridors, every business faces risks that can disrupt operations. As an independent insurance agency in Spartanburg, SC, Select Source compares policies from multiple commercial carriers to build a customized protection plan for your type of business. Whether you’re opening your doors for the first time or looking to upgrade existing coverage, we help you protect what keeps your business running.

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Client Testimonials

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"Doug and his team are AMAZING to work with. They are knowledgeable, kind, receptive, and accessible. They make insurance simple and easy. I highly recommend calling the Select Source team. They will always save you money AND time."

Elizabeth L.
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“We dealt with Chandler for the most part but I have dealt with several of the agents there and all of them have been very helpful. They were quick to answer any questions I had and find the best prices.”

Kelli W.

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“Doug is always incredibly helpful with finding us the best rates; is quickly responsive to calls/emails with questions or needs; and is all around a pleasure to work with! I would highly recommend Select Source Insurance.” 

Brandy H.

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“Aaron was so helpful and generous with getting my policy amount lowered over $100 when my insurance company raised my policy rate almost $100. It definitely did not feel like I was just another customer to him. He went above and beyond.”

Darian B.

Commercial Insurance Built for Spartanburg’s Business Community

Spartanburg is one of the fastest-growing markets in South Carolina—with new restaurants, retail stores, contractors, and medical offices, opening every year. With that growth comes new risks: tighter regulations, higher property values, and greater exposure from customer traffic and digital operations. We help Spartanburg business owners understand what coverage they need, what state laws require, and what options fit their budget so they can stay protected and competitive.

Business Insurance Coverage Options

Below are the core types of commercial insurance Spartanburg businesses rely on. Each can be customized based on your industry, operations, and level of risk.

Business Insurance Coverage Options

Below are the core types of commercial insurance Spartanburg businesses rely on. Each can be customized based on your industry, operations, and level of risk.

General Liability Insurance

Protects your business if a customer or visitor is injured on-site or if their property is damaged due to your operations. This coverage typically helps with legal fees, settlements, and medical costs—essential for businesses with foot traffic, jobsite work, or face-to-face service.


Typical claims include:

  • Customer slip-and-fall injuries
  • Accidental damage to client property
  • Advertising or personal injury claims

Commercial Property Insurance

Covers your building (owned or leased), equipment, furniture, inventory, and tools if they’re damaged by fire, theft, storms, or other covered events. We help Spartanburg businesses set appropriate limits based on replacement value—not just market value—to protect against unexpected downtime.

Workers’ Compensation

Required for most South Carolina businesses with employees, workers’ comp covers medical expenses, wage replacement, and rehabilitation if an employee is injured on the job. We help you stay compliant while keeping premiums manageable through accurate classifications and safety-focused guidance.

Business Owner’s Policy (BOP)

Bundled coverage combining:

  • General liability
  • Commercial property
  • Business interruption protection

A BOP is ideal for small businesses because it provides broad protection at a more affordable rate than purchasing policies separately. Add-ons may include cyber liability, equipment breakdown, or professional liability.

Professional Liability (Errors & Omissions)

Covers financial losses caused by mistakes, missed deadlines, or professional advice that clients rely on. Ideal for consultants, accountants, real estate professionals, technology providers, and professional services.

Cyber Liability Insurance

Even small Spartanburg businesses face cyber threats—from phishing scams to data breaches. Cyber insurance helps cover recovery costs, customer notifications, legal fees, and lost income after an attack. Ask us how a cyber add-on or standalone cyber policy can strengthen your protection.

Commercial Auto Insurance

Whether you own one work truck or a full fleet, commercial auto coverage protects your vehicles, employees, and liability on the road. We help contractors, delivery services, and mobile businesses choose the right limits and deductibles for everyday risk.

Industries We Insure Across Spartanburg

Industries We Insure Across Spartanburg

We provide customized coverage for a wide range of local businesses, including:

  • Retail shops and boutiques

  • Restaurants, cafés, and food service

  • Contractors and skilled trades (HVAC, electrical, plumbing, roofing)

  • Professional offices (medical, legal, consulting, accounting)

  • Real estate and property management

  • Home-based and online businesses

  • Startups and entrepreneurs

If your business isn’t listed here, we can still help—you’ll receive recommendations based on your specific operations and risks.

See If We Cover Your Industry

FAQs About Business Insurance in South Carolina

  • What insurance do I need to start a business in South Carolina?

    Most new businesses need general liability insurance and commercial property coverage at minimum. If you hire employees, South Carolina typically requires workers’ compensation. Depending on your industry, you may also need professional liability, commercial auto, or cyber insurance.

  • How much does small business insurance cost in SC?

    Costs vary based on your industry, coverage limits, building size, number of employees, and claims history. Retail shops may pay less, while contractors or restaurants with higher liability exposure may pay more. We compare multiple business insurance quotes to help you find a plan that fits your budget.

  • What does a Business Owner’s Policy (BOP) include?

    A BOP typically bundles general liability, commercial property, and business interruption insurance. Optional add-ons can include cyber liability, equipment breakdown, or professional liability depending on your needs.

  • Is business insurance required by law in South Carolina?

    Workers’ compensation is required for most employers with three or more employees, and commercial auto insurance is required for any business-owned vehicle. While general liability isn’t mandated by law, many landlords and contracts require it.

  • Do I need commercial auto insurance for company vehicles?

    Yes. Any vehicle owned or used primarily for business purposes should be insured under a commercial auto policy. Personal auto coverage may not apply to work-related accidents.

  • Can I get a Business Owner’s Policy that includes cyber insurance?

    Yes—many carriers offer cyber liability as an add-on to a BOP or as part of a customized business package. We’ll help you compare options based on your risk level and budget.

  • How can I lower my business insurance premium?

    You can reduce costs by bundling policies, improving workplace safety, reviewing employee classifications, choosing appropriate deductibles, and conducting annual coverage reviews.

Protect Your Spartanburg Business Today

Whether you run a storefront, manage a team, or operate a service-based business, we’ll build a policy that supports your goals and reduces your risk. Share a few details, and we’ll provide commercial insurance quotes tailored to your Spartanburg business.

Call Our Spartanburg Office