Business Insurance in Bluffton, SC

At Beacon Insurance in Bluffton, SC, we understand how important your business is and how vital it is to have the coverage you need should something happen. From hotels, nonprofit organizations, coastal property, law offices, and main street businesses; our agents work one-on-one with each client to determine their needs and any areas where their business may be vulnerable. We then take this information and find an insurance package that ensures the business owner has the proper coverage they need to protect themselves and their business.

A business is a huge investment; do not leave it to chance by having inadequate insurance coverage. Here at Beacon Insurance Group, we know that no two businesses are the same, so their insurance policies shouldn't be identical. As an independent insurance agency, we have the ability to shop all the best carriers and find our customers the most competitive rates and lowest premiums.

We proudly offer the following products and services to protect your business:

Commercial Vehicle Insurance

Beacon Insurance Group can help you create the right commercial auto insurance policy that protects your business whether you are insuring a fleet of vans, delivery trucks, or a single vehicle.

General Liability

General liability insurance provides coverage for liability issues resulting from property damage, negligence, and advertising and personal injury, including medical expenses. It gives you the financial protection no business owner should be without.

Excess Liability

In the event your business is threatened by catastrophic issues that threaten security, excess liability insurance is what protects you. Whether it is dealing with an unsatisfied customer or potential lawsuit, this policy will give you an added level of protection. It acts as an umbrella to your basic liability policy. When a claim exceeds the amount of your general liability policy, this policy will kick in, and provide you with a safety net for when your other coverage is exhausted.

Commercial Property

In the event someone breaks into your facilities and steals expensive equipment, is your general liability policy enough to protect you? What about in the event a fire that causes you to lose your entire inventory?

If you are operating a business or plan on opening a business to the general public, general liability is but the tip of the iceberg in terms of the protection you will need. To provide more comprehensive coverage, we recommend you look into a commercial property policy.

This type of policy provides coverage for a variety of risks and exposures including:

  • Damage to the property of others
  • Equipment
  • Furniture
  • Landscaping
  • Lost inventory
  • Outdoor signs
  • Structure (building) of your business
  • And more

This type of policy will be customized to fit your particular needs, which allows you to opt in for more coverage for some exposures and less for others. We understand that your needs are complex and your policy should be as comprehensive as possible.

Workers Compensation

This type of coverage is dual-purposed: it protects your company from lawsuits from injured workers, and assures that if someone is injured while on the clock for you, they will receive medical care and compensation for a portion of their lost income from being out of work.

This protection not only protects you; it protects your employees. We will help you design a policy that gives you appropriate coverage for you and your business.

Non-Profit Insurance

Our passions for nonprofits is endless, and we are proud to be an insurance broker that serves the non-profit sector. We are a member of the South Carolina Association of Nonprofit Organizations (SCANPO). We provide services to non-profits of all sizes and are committed to helping your organization find the best coverage at the most competitive price. Beacon Insurance Group is dedicated to finding every organization the most affordable non-profit liability insurance.

It can be problematic to find the right insurance plans for non-profits. In order to create an appropriate plan, the diversity of services and the extent of possible risk exposures must be assessed. This requires the expertise of an agency that can successfully aggregate several different policies into a single, affordable insurance plan.

We are proud to serve a range of social service agencies and non-profit organizations in South Carolina. We offer highly specialized coverage plans to help protect 501 non-profits and their affiliated social service agencies. This allows you to continue serving those in need, while remaining protected. To meet the needs of your organization, we can fold a number of different policies including:

  • Business Interruption
  • Commercial Auto Coverage
  • Commercial Liability
  • Directors’ and Officers’ Liability
  • Employee Services Protection
  • General Liability
  • Professional Liability
  • Property Insurance
  • Sexual Abuse & Molestation
  • Workers Compensation Issues

In addition, our expert insurance agents can help tailor specific insurance solutions to your organization's needs. This includes, but is not limited to, the degrees of coverage that can protect you from harassment claims, legal fees, and employee dishonesty.

Condominium Associations

At Beacon Insurance Group, we offer comprehensive property and various liability insurance policies that are designed specifically for a condo association.

Choosing the right agency to help you select the right condo association insurance can be a confusing and frustrating task – especially for condominium associations. That’s why we will work closely with you to answer all your questions and make sure you have the right type of coverage for your association’s particular needs. We can offer condo association insurance coverages for:

  • Buildings (individual units, clubhouses, garages)
  • Related Structures (gazebos, gate houses, fences)
  • Grounds (landscaping, signage, and more)
  • Infrastructure (roads, drains, sidewalks)
  • Protect your community with affordable coverage that won’t inflate association fees
  • We insure condos on the coast

Contact us to learn more about our condo association insurance today!

Community Associations

When it comes to community associations, they face a variety of exposures including: liability, net income, property, and personnel. Each community is different, with different needs but these four exposures are a great starting point when deciding what should go into your insurance plan for your association. Our agents at Beacon Insurance will review your needs and create a package that takes all of your insurance goals into account. Having relationships with top notch carriers allows us to access the most competitive rates for our clients.

For your community association, we offer coverage for:

  • Directors & Officers
  • Property
  • Crime
  • Workers' Comp
  • Security Guard liability
  • Loss Control Strategies

At Beacon Insurance Group, we will inspect your association, review your association's policies, and other important documents so we can identify any areas with inadequate coverage or missing coverage. Our team understands that your needs are complex, and we pledge to exercise care, skill, and diligence when finding the insurance coverage you need.

Special Event Insurance

No matter what kind of special even you're planning, we know how much energy, stress, and planning goes into creating the perfect event. Unfortunately, no matter how well you plan your big day or fundraiser, you can't prevent extreme weather, illness, or accidents. Whether you are planning an anniversary party, baby shower, wedding, festival, reunion, or birthday bash, investing in special event insurance can give you peace of mind. In addition, it can minimize your responsibility and loss if you are faced with an unavoidable setback.

Our special events insurance policies are designed to protect your hard-earned dollars and make sure they are not wasted on unexpected changes to the weather, last-minute reversals, or accidents. These policies are very affordable and can save the day if issues arise. Before you start planning your event, give us a call and we will make sure you don't have to worry about unforeseen catastrophes.

Markel Event Insurance - Protect your Event with the Specialists. CLICK HERE to Learn More or Give Us a Call.

Coastal Property

Insuring coastal property can be a complicated process, given the frequency and severity of coastal storms. To be sufficiently protected against all possible risks, several coastal commerical insurance endorsements may be required.

Luckily, the team at Beacon Insurance has the experience and know-how to help you appropriately insure your commercial coastal properties. Like traditional commercial property insurance, this type of policy provides protection for your buildings, inventory, tools, and more. In addition, we will look into the additional endorsements needed to protect your property.

Commercial Insurance Coverage Your Business Deserves

Beacon Insurance Group is proud to serve individuals, families, and businesses throughout South Carolina, Savannah, Bluffton, Hilton Head Island, and Charleston. Our friendly staff is dedicated to helping every client receive the insurance coverage they need, at prices that fit into their budget.

For more information about our range of personal insurance and business insurance solutions, please give us a call at 843-706-3690 or fill out a contact form.