Restaurant insurance in South Carolina.
From the dining room to the kitchen to the bar, we package property, liability, workers' comp, and liquor liability around how your place actually runs. Based here in Sumter, insuring restaurants across South Carolina. Zero agency fees, ever.
Coverage for everything between the front door and the walk-in.
Full-service restaurants, bars, cafes, food trucks, and caterers. Each one carries different risk, and we build the package to match.
Business owners policy (BOP)
General liability and commercial property in one policy: your building or leasehold, kitchen equipment, furniture, and inventory.
Liquor liability
Required for most SC establishments that serve alcohol. We quote it alongside your BOP and document every Act 42 credit you qualify for.
Workers' compensation
Kitchens are where injuries happen: burns, cuts, slips. Generally required in SC once you have four or more employees, counting part-time staff.
Equipment breakdown & spoilage
When a compressor dies or the power goes out, this is what pays for the walk-in full of food you lost and the equipment repair.
Commercial auto & delivery
Catering vans, food trucks, and delivery exposure. If staff deliver in their own cars, we make sure that gap is handled honestly.
Commercial umbrella
Extra liability limits over your GL and liquor liability when your landlord, lender, or risk tolerance calls for more.
What South Carolina restaurant owners should know.
Wherever your restaurant sits in South Carolina, coverage usually starts with somebody else's checklist: a landlord who wants a certificate of insurance before handing over keys, a lender protecting equipment, or an event venue asking a caterer for proof of liability. We issue certificates same day from our office in Sumter, and you can request one online anytime.
If you serve alcohol, South Carolina law requires most establishments pouring for on-premises consumption to carry $1 million in liquor liability coverage, and Act 42 of 2025 created credits that can lower that requirement if you document specific safety steps. The details matter enough that we keep a full liquor liability guide for SC bars and restaurants. One client, a small bar owner in Lexington, came to us after the new liquor liability rules left their old agency with no options at renewal. We shopped it, found the coverage, saved them real money, and they are still pouring today.
Kitchens also come with underwriting details most owners never hear about until claim time: carriers want to see hood and duct cleaning on schedule and a serviced fire suppression system, and those details move both your eligibility and your price. Get them right and more carriers compete for your business. We walk the checklist with you before we shop, here in Sumter and across South Carolina.
- Liquor liability quoted alongside your BOP, with Act 42 credits documented
- Same-day certificates of insurance for landlords and venues
- Bars, food trucks, and caterers welcome, not just full-service restaurants
- Carriers matched to your concept, re-shopped at renewal
Carriers that want restaurants
Some carriers love family dining and avoid bars. Others want the late-night crowd. We know who wants your concept, and that is where the pricing lives.
Quote my restaurantThree steps. About 60 seconds to start.
Tell us about you
Send the form above or call or text 803-848-0089. No SSN required to get started.
We shop the market
We run your details across every relevant carrier we represent and bring you the strongest fits, side by side.
You pick. We bind it.
Most policies bind same-day. Then we re-shop your rate every year and help with claims when you need us.
Proudly serving Sumter, Columbia, Manning, Camden, Florence, Bishopville, Lugoff, Hartsville, Lexington, Greenville, Spartanburg, Myrtle Beach, and Charleston, plus all 46 South Carolina counties. See our full service area →
Restaurant insurance questions, answered
What insurance does a restaurant need in South Carolina?
Most restaurants start with a business owners policy covering liability and property, plus workers' compensation once you have four or more employees. If you serve alcohol, South Carolina requires liquor liability coverage for most on-premises establishments. Spoilage, equipment breakdown, and delivery coverage round it out depending on how you operate.
Is liquor liability insurance required in South Carolina?
Yes, for most businesses licensed to sell alcohol for on-premises consumption: SC law sets the requirement at $1 million, and Act 42 of 2025 added credits that can reduce it with documented safety measures. Our liquor liability page covers the details, and we quote it alongside the rest of your coverage.
Does restaurant insurance cover food spoilage?
Not automatically. Spoilage and equipment breakdown coverage are add-ons to most policies, and they are the ones that pay when a compressor fails or an outage empties your walk-in. They are inexpensive relative to a full loss of inventory, and we include them in quotes by default so you can see the real cost.
Do you insure bars and late-night spots, not just restaurants?
Yes. Bars, taverns, and late-night concepts are harder to place, but this is a core part of what we write. We work with carriers that stay in the SC bar market and we document every Act 42 mitigation credit you qualify for.
Do you insure food trucks and caterers?
Yes. Food trucks combine commercial auto and business coverage in one package, and caterers usually need liability that travels plus proof of coverage for venues. Both are quotes we handle routinely.
Do I need to be near Sumter to work with you?
Not at all. We are based in Sumter, and nearly every restaurant and bar we insure is somewhere else in South Carolina, from the Midlands to the coast. Quotes, certificates, and policy changes are all handled by phone, text, or online.
One agency for your whole picture.
A real office, with real people in it.
261 Broad St, Suite A5
We're on Broad Street in Sumter, a few minutes from downtown and Swan Lake Iris Gardens, and about 15 minutes from the Shaw AFB main gate. Walk-ins welcome.
5.0 stars, 100+ reviews
Our neighbors say it better than we can. Read what Sumter families and business owners think of working with us, or add your own.
Call or text 803-848-0089
Mon – Thu: 9:00 AM – 5:00 PM
Friday: 9:00 AM – 3:00 PM
Sat – Sun: Closed
Based in Sumter and licensed across South Carolina. We serve Sumter, Manning, Camden, Bishopville, Lugoff, Columbia, Florence, and every county in between.