What’s Unique about Commercial Insurance

A commercial insurance policy provides coverage in a way that it protects a business. Not only does it provide protection over the business owner, but also over its employees. Since there are no two companies that are exactly alike, this means that there is no one-size-fits-all business insurance policy. The specifics of your company will determine the exact type of commercial business policy you need to purchase. Let’s take a quick look at a few things that are unique about commercial insurance. 

When it comes to buying insurance for a business, many business owners want to know the exact type of insurance they should be purchasing as well as how much the premiums are going to cost. What should be remembered, though, is that there are multiple factors that affect commercial insurance costs. Commercial insurance is unique because it is affected by the number of employees you have, the gross annual revenue of your company, the location of your business, your number of years in business, and more. You will also need to provide information relating to whether or not the property in which you conduct your business out of is owned, leased, or rented. 

Other factors that are going to influence the exact type of commercial insurance you need for your company include whether or not you own any company vehicles and how often your employees drive them. It should also be noted that there are several types of commercial insurance, including commercial health insurance. The exact types of different commercial insurance you should invest in will be determined by your business’ specific needs. The best way to learn about the types you should buy is by contacting Benefit Insurance Services in Myrtle Beach, SC. 

Do You Need Commercial Insurance For Your Home Business?

Running a successful business from your Myrtle Beach, SC home can be a tough, yet fulfilling way to make a living. However, having a business run from your home can complicate matters from an insurance standpoint. Fortunately, the experts at Benefit Insurance Services can help you find the right type of insurance for your unique needs.

It’s all too common for home business owners to rely solely on their homeowner’s insurance policies to cover their business equipment. However, most homeowner policies don’t apply to home business operations. If you lose vital business equipment to a fire or theft, there’s a good chance it won’t be covered under your existing homeowners policy. Your insurer may even decide to cancel your policy if such losses occur. Having commercial insurance for your home business insures that you can cover any losses that occur without worrying about it affecting your homeowner’s insurance coverage.

Another reason to have commercial insurance is to prevent physical losses from shutting down your business operations. If something happens that causes your business to lose a substantial amount of income or threatens to shut down your business altogether, your commercial coverage may be able to help you weather the storm.

Commercial insurance can also protect your home business against common liability risks, including bodily injury or property damage that’s business-related. Your homeowner’s insurance policy won’t cover claims stemming from services rendered, so it’s a good idea to have commercial insurance that can take care of these and other liability issues.

There’s no reason to be without commercial insurance coverage for your home business. If you’re in the Myrtle Beach, SC area, you can turn to Benefit Insurance Services for a policy that best matches your home business needs.

Is Your Commercial Property Protected?

Basic insurance is likely not near enough to protect your business and employees. Commercial insurance can offer peace of mind and a solid foundation of security if something goes wrong. This is never more vital than when it comes to your company, lively hood, and the well being of your employees. It may come as a surprise the domino effect that can cause important things to come toppling down, but being well insured protects your life from the repercussions of that first domino so it never reaches the point of complete disaster. 

Why Bother With Commercial Insurance? 

  • Commercial insurance policies can be tailored to the specific needs of your company, so you get the coverage you need. 
  • That moment when something goes wrong and you are not covered is bleak. But it can be avoided with a short phone call. 
  • There is more than just your own livelihood relying on your business being covered. If you have employees who depend on your company for their income is it vital to be protected. 
  • Whether you are protecting your companies’ vehicles, your commercial property, your money, or your building, some level of coverage will mean a catastrophe is just a bump in the history of your company instead of an end all. 

Contact us a Benefit Insurance Services for a quote on insurance for all aspects of your life both business and personal. We serve Surfside Beach and the surrounding areas for all their personal, vehicle, and commercial insurance needs. You can’t control the weather or the economy; sometimes things just happen. You can, though, control the amount of insurance coverage you carry. 


Understanding Commercial Insurance: What to Consider Before Buying a Policy

It may not seem like it, but commercial insurance actually offers an excellent value to the owner of the establishment. Typically you’re covered against the structure, the equipment and inventory, your actual cash and securities as well as the accounts you have on record. However, there are a few things you may not be aware of. Here are a few tips so you can better understand commercial insurance. 

Property Insurance 

Typically anything under the property is included, even mobile equipment and intangible factors such as your trademark. A qualified agent can tell you more about how insurance in Surfside, SC works. However, there are some major exclusions to property insurance too. Flooding is not generally included in properties, and it can be a real shock for people to learn they have no recourse when they experience water damage. You may also not see any relief if you were to have other events happen like windstorms or riot damage. 

Property Assessment 

If you’re embarking on a path to get the best policy, try making a list of everything you’d want to save and what exactly you want to save it from. An agent will be able to point out all the potential possibilities, but this is a good start for you to see where you stand when it comes to your policy. Going over the true value of your business, including how much revenue you’d lose from having to close up shop, lets you see just how much you stand to lose. Benefit Insurance Services serves Surfside Beach, SC and can interpret and explain the different plans to you. If you need additional coverage, you can get your property started on the right foot. Give us a call today for more information!

Replace Worry with Adequate Commercial Coverage

Socastee, South Carolina is known for its historic swing bridge, pecan grove and tourist areas. It comes to life as the weather warms and dollars pour into the area. If you are a business owner in the Horry County area, you are likely looking forward to a successful season ahead.

There are a lot of things to be concerned about. You have to worry about having enough inventory, if the weather will be good, and whether the money will be there at the end of the month. There is a simple step you can take to help ease some of your worries. That is a commercial insurance review from Benefit Insurance Services.

With a business insurance review, you can get peace of mind knowing if you have appropriate coverage from coastal storms, flooding, lighting and winds. You can discover if your storefront windows are covered in a break-in, and if you have sufficient protection to cover the costs of replacing lost inventory. One call to Benefit Insurance Services can bring a bit a peace of mind at least to one area of running your business.

Benefit Insurance Services is an independent insurance agency. That means our agents can seek commercial insurance quotes from multiple providers. This can result in more options, better coverage, and savings. They are qualified to review the policies of any insurance company. They will help you discover where you are, and aren’t, protected.

If you live or work in the 29588 zip code area, try us online with no obligation quote on your auto and homeowners insurance. It is a simple way to experience the savings for yourself. For your commercial insurance quote, contact us directly.

You have a lot to think about as the warmer weather approaches. Don’t let your commercial insurance coverage be one of them. Contact Benefit Insurance Services today and replace worry with adequate coverage.

Spring Break and Beyond for Your Surfside Beach Business

It has been a long winter in Surfside Beach, South Carolina. Not as long as some areas of the country of course, but we’ve had our share of cold weather. Most along the Grand Strand are ready Spring Break and the warmer weather it brings. Surfside Beach businesses are certainly getting prepared for the season ahead. If you are a business owner in the area, are you sure your commercial insurance is ready?

Many businesses renew their commercial policies each year without much thought. As long as the premium doesn’t change, they simply choose to make the payment and move on. That could be costing them money. It also could be putting their business at risk.

You see, most businesses change as time passes. Some expand or carry new products or larger inventories. Others add equipment or electronics. Are you sure your changes have been properly accounted for with your commercial insurance coverage?

A business insurance review can help ease your mind. Benefit Insurance Services is an independent agency serving the Surfside Beach area. We know the dangers of our coastal weather and how to protect businesses in the region. As independent agents, we have the ability to review any commercial insurance policy, no matter what company underwrote it. What’s more, if your coverage is lacking, we can search many companies to find improved coverage. We may even be able to save you money.

We would love to show you what we can do for you. Start with a visit to our website and requesting an online comparative quote for your auto insurance or homeowners insurance. Once you see the savings, we believe you will also want a quote on your commercial insurance.

For a free, no obligation commercial insurance review, contact us at Benefit Insurance Services. Your Surfside Beach business is not truly prepared for the season until you do.

Socastee Commercial Insurance

Socastee, SC offers a wealth of opportunities for individuals and visitors, and its small coastal community exemplifies Myrtle Beach attractions. From the South Caroline Civil War Museum to Pawley Islands attractions, the area contains a variety of gems to be sought from both community members and out-of-towners visiting the 29588 area code.


Commercial Insurance Options


Few things promote business integrity and expansion like commercial insurance, and obtaining commercial insurance quotes promotes feasibility, flexibility and scaling options. Small, medium and large-size businesses should protect their products and tools, and their liability to others should remain a paramount ideal.


Commercial insurance grants businesses the ability to retain income while keeping doors open, and it reduces internal risks. The following individuals directly benefit from commercial insurance, and they rely heavily upon accessible quotes and experienced agents:


  • Small business operators

  • Personal directors

  • Company risk managers

  • Office managers

  • Staff


Protection and Integrity


Businesses and organizations often require custom-tailored insurance plans to maintain operations and prepare for unexpected losses. A variety of South Carolina providers are available, and our intensive quote comparison system guarantees full coverage of commercial insurance provider options.


Property and liability insurance are integral commercial insurance components, and they protect a business from the following dangers:


  • Loss of possessions

  • Employee injuries

  • Defense settlements

  • Property damage


Solution Variety


Company insurance should be flexible, and many providers within our quote comparison system offer a wide array of solutions for damaged property and service protection. Where integrity is considered, internal operations are as important as external services, and commercial insurance often guards many assets:


  • Securities

  • Machinery

  • Premises improvements

  • Mobile property

  • Valuable documents


Transactions, customer services and product lines require an intensive protection program, and each solution offers a slew of benefits adhering to local and state regulations. Where innovative expansion and protection are considered—commercial insurance isn’t a benefit, it’s a requirement.



South Carolina: Business Insurance

South Carolina: Business Insurance

Whether you live in Mount Pleasant a medium size town that hugs the coast line of beautiful South Carolina, or a suburban neighborhood such as The Groves, if you own a business in South Carolina, you’re going to need the assistance of commercial insurance agents.

There are several types of commercial business insurance including: property insurance, workers compensation insurance, liability insurance, errors and omissions insurance, tenant's Insurance, glass insurance, and crime insurance, there are a few more types of commercial business insurance however, the ones listed above are the most common. Let’s take a closer look at each one, so you can decide which types of insurance you want to discuss with your insurance agents.

Property Insurance

Property insurance covers damages and losses to personal and real property such as; fire damage, storm damage, damaged property caused by a disgruntle customer or employee.

Workers Compensation Insurance

Workers compensation insurance covers injuries that happen on the job and illnesses that result because of the job such as cancer from worker with asbestos.

Liability Insurance

Liability insurance covers injuries or property damage sustained by a third party such as a customer. There are several types of liability insurance for instance doctors have malpractice insurance.

Errors and Omissions Insurance

Errors and omissions insurance covers inadvertent errors to a third party such as a notary republic inadvertently filling out a notarization form incorrectly and it has a negative impact the individual(s).

Tenant’s Insurance

Tenant's insurance is designed to covers damages and improvements; you may want to make to your business. Most businesses that are leased require tenant’s insurance.

Glass insurance

Glass insurance covers broken windows caused by numerous situations.

Crime Insurance

Crime insurance protects you against robbery, theft, and burglary of stolen money, stocks, securities, and fixtures stolen by outsiders or employees.

Only you and your insurance agents can determine the best commercial business insurance for your business. It’s easy to find the best coverage for your budget by comparing insurance quotes with Benefit Insurance Services online in minutes