Connect professional liability (e&o) to the operation
Manufacturing, hospitality, logistics, construction, restaurants, professional services, and fast-growing real estate markets drive activity.
What the coverage can help address
- Alleged professional mistakes
- Failure to deliver covered services
- Defense costs for covered claims
Questions to review
- Claims-made trigger, retroactive date, and reporting duties
- Precise description of covered professional services
- Contract language, subcontractors, cyber exposure, and excluded services
South Carolina planning context
Hurricane, coastal flood, and inland wind
Consider whether this factor changes values, limits, deductibles, coverage structure, protection practices, or expected recovery time.
Severe storms and tornadoes
Consider whether this factor changes values, limits, deductibles, coverage structure, protection practices, or expected recovery time.
Tourism, ports, property values, and supply-chain risk
Consider whether this factor changes values, limits, deductibles, coverage structure, protection practices, or expected recovery time.
Information to prepare
- Service descriptions and client industries
- Revenue by service and largest-client concentration
- Contracts, prior coverage, retroactive date, and claim history
Frequently asked questions
What should a South Carolina business prepare for a professional liability (e&o) review?
Prepare current operational information, values or payroll where relevant, requested limits, contracts, and currently valued loss history. Service descriptions and client industries; Revenue by service and largest-client concentration; Contracts, prior coverage, retroactive date, and claim history.
Does this page state what insurance is legally required in South Carolina?
No. This is general insurance-planning information, not legal advice or a statement of state-specific requirements. Requirements and availability should be confirmed for the individual business.
Coverage descriptions are general. Eligibility, availability, terms, conditions, limits, deductibles, and exclusions vary by account and insurance market.