The landscape of commercial insurance in South Carolina has changed, especially in markets like our home town of Charleston South Carolina.  Coastal South Carolina property and South Carolina liquor liability insurance have remained some of the biggest challenges in the country with increasing premiums and less carriers offering coverage altogether.  The commercial insurance challenges that South Carolina has faced in recent years places a disproportionate burden on our city, as Charleston South Carolina proudly hosts a rich concentration of restaurants, bars, and coastal properties.  The financial burden of seemingly ever increasing insurance premiums take a toll on Charleston's otherwise thriving small businesses as well as the people they serve and our community as a whole.  While we feel like much more needs to be done on a macro level including reform and legislation, we will do our part in helping our clients navigate current market conditions.  In a time when the cost of protection  can seem cost prohibitive, it is more important than it ever has been to choose an agency partner that will put more work into exploring market options.  Gone are the days when your commercial insurance agency could easily put together a handful of quotes without much hassle; today your agency must be on top of current ever changing, recommend risk control measures, and secure rates through negotiating the strength of your business to cultivated underwriter relationships.  Insurance agencies must also take a proactive approach to remarketing your business to the evolving market of carrier appetites.  ​