Why we are your Palmetto Risk Partner.
Choosing the right business or commercial insurance plan for your business can be very confusing, so we have developed many different options and programs to meet the needs of our
Running a business in South Carolina comes with unique risks—from hurricane season to liability concerns that keep you up at night. Since 2015, we’ve protected over 500 local businesses in Columbia, Lexington, and throughout the Midlands with customized insurance solutions that actually make sense.
Unlike big-box insurance companies, we take time to understand YOUR business. Whether you’re a contractor working on Lake Murray homes, a medical practice on Two Notch Road,
or a manufacturer in the Vista, we build protection around your specific needs—not cookie-cutter policies.
Industries We Serve
Here in the Midlands, our specialty includes:
- Residential Contractors
- Plumbers
- HVAC
- Landscapers
- Pool Cleaners
- Electricians
- Painters
- Medical & Dental Offices
- Restaurants & Hospitality
- Retail Stores
- Property Management
- Technology Companies
- Manufacturing
- Professional Services
Why Local Businesses Choose Safe Harbor
✓ **Local Expertise** – We understand SC regulations, weather risks, and regional business challenges
✓ **Multi-Carrier Access** – We shop [NUMBER] carriers to find you the best coverage at the best price
✓ **Proactive Risk Management** – We don’t just sell policies—we help you prevent claims and reduce premiums
✓ **Fast Response** – When you need us, we answer. Our office is right here in Lexington on Main Street
✓ **Veteran-Owned** – We bring military values of integrity and service to every
client relationship
What Business Owners here in Lexington & Columbia Are Saying…
Testimonial ……
– Anthony at Barthelemy Landscape & Supply
Great question (FAQ)
**Q: How much does business insurance cost?**
A: It varies based on your industry, revenue, employees, and coverage needs. Most small businesses pay $500-$3,000/year for a basic BOP. We provide free quotes from multiple carriers to find your best rate.
**Q: What’s the difference between a BOP and Commercial Package?**
A: Think of a BOP as an all-in-one bundle (like a combo meal) designed for small businesses. A Commercial Package lets you pick and choose each coverage type (à la carte) for more complex businesses.
**Q: Do I really need Workers Comp if I only have 2 employees?**
A: In South Carolina, Workers Comp is required once you have 4+ employees. However, many businesses get it earlier for protection and to attract quality workers.
**Q: How quickly can I get coverage?**
A: For standard policies, we can often bind coverage same-day or next-day. More complex businesses may take 2-3 days for underwriting.
**Q: Will I get better rates than buying directly from an insurance company?**
A: Usually, yes. As independent agents, we compare multiple carriers and leverage relationships to negotiate better rates. Plus, we find discounts you might miss on your own.
Get the business you love protected TODAY
Schedule a Risk Analysis or give us a call. No pressure. No obligation. Just honest advise from local experts.