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As a business owner, protecting your company is crucial for its growth and profitability. However, navigating the world of commercial insurance can often feel overwhelming and costly. That's where Carolina Strand Underwriters comes in - we specialize in connecting businesses with tailored insurance plans that meet their specific needs.

INDUSTRIES WE SERVE

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    • Hotel/ Restuarants/ Tourism85%
    • Trades & Services68%
    • Professional Services91%
    • Property Management Companies50%
    • Other50%

    Business Insurance Products:

    Workers Comp & Employers Liability

    Workers' compensation insurance is a type of coverage that provides financial protection for both employers and employees in the event of work-related injuries, illnesses, or deaths.

    Commercial Property Insurance

    Owning a business comes with many responsibilities, and one of the most important ones is protecting your assets. Whether you own a small retail store or a large manufacturing facility, having commercial property insurance can be crucial in safeguarding your business from potential risks.

    General
    Liability

    General liability insurance typically covers bodily injury and property damage to third parties, but it may also include other types of liability such as care, custody or control liability, employment practices liability, employee benefits liability, liquor liability, product recall liability, sexual misconduct liability and worldwide business liability.

    Business Personal Property

    Having business personal property insurance is essential for any business owner, as it provides peace of mind knowing that your assets are protected in case of unexpected events. In addition to physical damage to your contents, this type of insurance can also cover losses due to business interruption or loss of income.

    Flood


    Standard commercial property insurance policies often do not cover damages caused by flooding events. This can leave individuals and businesses vulnerable to financial losses in the event of a flood. To address this gap in coverage, the National Flood Insurance Program (NFIP) was created by Congress in 1968 as a way for individuals and businesses to protect themselves against potential flood damage.

    Business
    Auto

    If you own a business in the states of South Carolina (SC) or North Carolina (NC), it is mandatory to have auto insurance for any tagged and operating vehicle. This requirement is similar to personal auto coverage, which aims to protect others in case you are involved in an accident.

    Commercial Umbrella/Excess

    In today's litigious society, businesses often face the risk of facing lawsuits. This is particularly true for small businesses that may not have extensive resources to handle legal disputes. In such cases, a commercial umbrella insurance policy can provide an additional layer of liability coverage and protect your business assets.

    Professional
    Liability Insurance

    Professional liability insurance, also known as errors and omissions (E&O) insurance, is a type of insurance that helps protect professionals from bearing the full cost of defense and/or damages awarded against a negligence claim. This specific type of insurance is designed to cover professionals in the event that their acts, errors, or omissions in the rendering or failure to render their professional services result in financial loss for their clients.

    Rental
    Properties

    As a property owner, it's important to protect your investments and ensure profitability. One crucial component of this is having the right rental property insurance coverage. At Carolina Strand Underwriters, we understand the importance of having professional rental properties insurance for your investments. Our team of experts is dedicated to helping property owners find the right insurance plans to protect their assets and make the insurance process easy.

    License and
    Permit Bonds

    License and permit bonds are a type of insurance that provide assurance to the licensing agency or government entity that the professional will fulfill their obligations in accordance with all rules and regulations. In case of any violations, the bond will provide compensation to affected parties.

    Construction
    Bonds

    In the world of construction, professional contractors and project owners rely heavily on surety bonds to ensure the successful completion of their projects. A type of insurance specifically designed for the construction industry, these bonds: bid bonds, performance bonds, payment bonds, maintenance bonds, and supply bonds. provide a guarantee that the contractor will fulfill their obligations as outlined in their contract with the project owner.

    Event
    Insurance

    As a professional hosting an event, whether it's a party, fundraiser, or wedding, you want to ensure that everything runs smoothly. It can even provide coverage for specific risks such as Hole in One events or Liquor Liability.However, unforeseen circumstances can arise and put your business at risk. That's where event insurance comes in.

    Professional Services Insurance

    As a professional offering services to clients, it's essential to have insurance coverage in place. This provides protection for you and your business against potential risks and liabilities that may arise during the course of your work. In this article, we will explore the importance of professional services insurance and provide an overview of some top options available for professionals.

    Contractors
    Insurance

    As a professional contractor, having the right insurance coverage is crucial to your success and profitability. Whether you work in commercial building, home renovation, electrical, roofing, plumbing, or HVAC, it's important to have the right protection in place to give you peace of mind. That's where Carolina Strand Underwriters comes in. We specialize in helping contractors like you find the right contractor business insurance to meet your specific needs.

    LandLord
    Liability

    Landlord liability coverage is designed to provide financial protection in the event that you are held legally liable for injuries or property damage that occurs on your rental property. This could include situations where a tenant or visitor is injured on your property, such as slip and fall accidents, or if you are required to pay for damages to someone else's property.
     
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    • Robbie H.

      Holland is a true professional. Just renewed my boat policy!

      Robbie H.
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    • Ricky C.

      I just set up my GL with Holland last month. She was very helpful!

      Ricky C.
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    • Victor C.

      Holland is extremely hospitable and knowledgeable. I look forward to dealing with her again in the future.

      Victor C.
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    • Chris S.

      Currently working with Holland on getting insurance for my small business. She has been great!

      Chris S.
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      I love that Carolina Strand Underwriters is able shop my insurance with multiple carriers so that I feel confident that I’m getting the best possible rate.

      Michael J.
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    • Stephen M.

      Excellent experience with Holland from Carolina Strand Underwriters. She was extremely responsive and has excellent products.

      Stephen M.
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    • Heather O.

      Holland does an amazing job of educating you on the options so you can make the best choices. I highly recommend her and Carolina Strand Underwriters!

      Heather O.
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      When it comes to getting not only professionalism and knowledge but add in the most important “A Personal Touch” in this ever changing insurance market. Holland and Carolina Strand Underwriter will always stand out from rest!

      James C.
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    • Matt M.

      Easy to work with, great company! Thank you for all you do for small business along The Grand Strand. Let Carolina Strain Underwriters review your Policy. They will make sure you're insured properly and may even save you some money.

      Matt M.
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    • John H.

      Holland is an outstanding agent. She understands the complexity of the insurance market here on the Grand Strand. I highly recommend Carolina Strand Underwriters!

      John H.
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    • Shannon S.

      Never thought I’d leave an insurance agency a good review but here we are 🤩 Holland is spectacular to work with! She understands that there is so much I don’t know and takes the time to explain each part of the policy, explain the cost, explain what I need and why, and what the pitfalls of being underinsured are. I know that no matter what my question is, I’m going to get a straight answer.

      Shannon S.
      Client Testimonials
    • Hunter B.

      Holland is extremely knowledgeable when it comes to providing home and auto insurance. She doesn’t do sales, she educates and in doing so provides clarity to her customers on exactly WHAT you are getting in your coverage and why it’s important. Highly recommend!

      Hunter B.
      Client Testimonials
    • Jessica K.

      I recently had a great experience with Carolina Strand Underwriters. Holland took the time to educate me, making me feel confident & well taken care of. Her undeniable experience and personal touch sets her apart from everyone else... she is someone you definately want in your corner!

      Jessica K.
      Client Testimonials
    • Linda M.

      Holland compared insurance rates for me. I appreciated her honesty and thoroughness. I highly recommend Holland whether you are just looking for rates or hunting to find the right coverage at the best price. She will compare multiple company's rates and do all the footwork for you. Plus, she speaks in layman's terms! Thank you, Holland!

      Linda M.
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    • Victor C.

      Holland is extremely hospitable and knowledgeable. I look forward to dealing with her again in the future.

      Victor C.
      Client Testimonials