John Baloh, Agent
724-396-4446
Myrtle Beach Commercial Insurance
Liability, property, and commercial auto for Grand Strand businesses. Packaged policies when they fit.
Call or Text 724-396-4446 or email info@ins4you.com.
Insurance For You writes commercial insurance for businesses in Myrtle Beach, North Myrtle Beach, Conway, Surfside Beach, Garden City, Murrells Inlet, and surrounding Grand Strand communities.
The goal is straightforward: liability, property, and commercial auto that match how the business actually operates — not a personal policy with the word “business” taped on.
Personal auto, homeowners, and flood are written separately. Commercial flood can be quoted with the business account.
A Businessowners policy is a package used by many small accounts. Larger or unusual operations are quoted as a commercial package or as separate forms. Coverage is matched to the account.
Myrtle Beach Commercial Insurance coverages
General liability
Pays when the business is blamed for injury or property damage to someone else.
Commercial property
Building, equipment, and inventory at the location. Flood stays a separate policy.
Businessowners policy
A package of property, liability, and business income used by many small accounts.
Commercial package
A custom combination of property, liability, and other forms when a BOP is too small or the operation does not fit the package.
Commercial auto
Vehicles titled to the business or used as a regular part of the operation.
Hired and non-owned auto
Opens a gap when employees run errands in personal cars or the business rents a vehicle.
Workers’ compensation
Employee injury and work-related illness, quoted where the account needs it.
Umbrella / excess
Extra liability limit over the primary policies.
Professional liability
Errors and omissions for a service business.
Cyber
Data breach and related liability, quoted to the account.
Directors & officers
Claims against people running a company or board.
Crime
Employee theft and some financial crime, not a substitute for a safe.
Builders risk
The structure and materials while a project is being built or renovated.
Inland marine
Tools, equipment, and property that move.
Business interruption
Income after a covered property loss shuts the operation down. Often sits on the property or BOP form.
Tenant improvements
Build-out the tenant paid for in leased space.
Landlord
Buildings rented to others.
Hospitality
Hotels, motels, and lodging.
Restaurant
Food service and dining.
Liquor liability
Serving or selling alcohol. Not automatic on a restaurant policy.
Short-term rental
Vacation and short-stay properties. Separate from a normal landlord call.
Local factors that affect a commercial policy
Grand Strand commercial accounts are not inland South Carolina accounts.
-
Wind, hail, and named-storm terms on the property form are coastal, not Upstate.
-
Flood is still a separate policy. A business property form does not pick up storm surge.
-
Restaurants, hotels, and short-term rentals are underwritten as those operations, not as a house with extra beds.
-
Contractors and service businesses get asked about tools, jobsites, and vehicles — not just the shop.
-
Using a personal auto for the business does not automatically cover the business. That is a commercial auto or hired/non-owned question.
-
Liquor, cyber, and workers’ compensation are not “included” because general liability exists.
Common gaps
These are the issues that show up most often on reviews:
-
Personal homeowners or personal auto used as if they were commercial
-
No hired and non-owned auto while employees run errands in their own cars
-
General liability only, with the building and inventory left uninsured
-
A restaurant or bar with no liquor liability
-
Short-term rental written on a homeowners policy
-
Employees on the payroll and no workers’ compensation
-
Business income never added, so a fire or wind loss stops the checks
-
Flood assumed to be inside the commercial property form
-
A landlord policy that does not match how the building is actually rented
A short review of the current declarations page usually finds this faster than starting from scratch.
How to request a quote
Provide
-
Legal business name, entity type, and years in operation
-
Location address and what is done there
-
Building owner or tenant
-
Approximate receipts and payroll
-
Number of employees, if any
-
Vehicles used in the business, including employee cars used for work
-
Current carrier, limits, and losses, if any
-
Whether liquor, professional services, or short-term rental applies
FAQ
Do you write commercial insurance or only personal lines?
Commercial accounts are written for Grand Strand businesses. Personal auto, homeowners, and flood stay on their own pages.
What is the difference between a BOP and a commercial package?
A Businessowners policy is a standard small-business bundle of property, liability, and often business income. A commercial package is built when the account does not fit that bundle.
Is flood included in a commercial property policy?
No. Flood, including storm surge, is a separate policy. It can be quoted with the business account.
Do employees make workers’ compensation required?
South Carolina requires workers’ compensation in common employee situations. It is quoted when the account has payroll. It is not a substitute for general liability.
If employees drive their own cars for work, is that covered?
Not by a personal auto policy alone. That is a hired and non-owned auto question, and sometimes commercial auto.
Can a restaurant policy include liquor?
Not automatically. Serving or selling alcohol is quoted as liquor liability.
What areas do you serve?
Myrtle Beach and the Grand Strand, including North Myrtle Beach, Conway, Surfside Beach, Garden City, and Murrells Inlet. The agency is also licensed in Pennsylvania.
Also licensed in Pennsylvania
This page addresses South Carolina commercial insurance. Clients with a Pennsylvania business or a split situation can be quoted under the agency’s Pennsylvania non-resident authority. Coverage rules differ by state. Do not assume a South Carolina structure transfers.