288 articles
Carolina HVAC shops typically need a stack, not one policy: general liability including completed operations, inland marine for tools in the van, commercial auto, and workers compensation. North Carolina generally requires workers comp at three regular employees; South Carolina generally requires it at four.
Carolina lawn-care companies usually need four coverages working together: general liability, insurance for mowers and tools, commercial auto, and workers compensation. South Carolina generally requires workers compensation at four or more employees; North Carolina generally requires it at three or more.
On the Carolina coast, boat insurance is three decisions that work together: hull damage, liability, and storm-season planning. Small craft often have only thin homeowners limits, while larger boats and personal watercraft usually need a dedicated policy.
