General liability, workers comp, certificates of insurance, additional insured endorsements, builder's risk, commercial auto, and inland marine coverage for Greenville contractors
Greenville's construction market continues to grow along the I-85 corridor, Woodruff Road, downtown Main Street, and residential subdivisions in Five Forks, Simpsonville, and Greer. Whether you are a general contractor building custom homes, an electrical subcontractor wiring commercial spaces, or a landscaping company maintaining properties across Greenville County, you need insurance coverage designed for the risks contractors face every day on the job site.
The Morgano Agency Inc at 206B Pine Knoll Dr in Greenville has insured contractors across the Upstate since 1998. As an independent agency, The Morgano Agency works with multiple carriers that specialize in contractor insurance, which means better coverage options and more competitive premiums than a single captive agent can offer.
Covers bodily injury and property damage to third parties. Required by virtually every GC and property owner before you step onto a job site in Greenville.
Required under SC Code 42-1-360 for 4+ employees. GCs require it from all subs. Ghost policies available for sole proprietors.
Covers work trucks, vans, and trailers. Personal auto policies exclude vehicles used for business purposes. Hired and non-owned auto available.
Covers structures under construction against fire, wind, theft, and vandalism. Written per-project or as a blanket annual policy for active builders.
Covers tools, equipment, and materials in transit or stored at job sites. Standard property policies exclude items away from your premises.
Excess liability above your GL, auto, and workers comp limits. Provides an additional layer of protection for large claims or lawsuits.
If you are a subcontractor in Greenville, you know the drill: before you start work on any project, the general contractor or property owner asks for a certificate of insurance. A COI is a one-page document issued by your insurance carrier that proves you carry general liability, workers compensation, and commercial auto coverage. It lists the policy numbers, effective dates, coverage limits, and the certificate holder's name.
The Morgano Agency issues COIs for Greenville contractors, often within the same business day. When a GC calls at 2:00 PM needing proof of insurance before you can start work the next morning, the agency's team handles it. COIs are issued at no additional cost to policyholders.
Many general contractors and property owners require more than just a COI. They want to be listed as an additional insured on your general liability policy. An additional insured endorsement extends your GL coverage to protect the certificate holder against claims arising from your work. This is standard practice on commercial construction projects throughout Greenville.
A waiver of subrogation prevents your insurance carrier from recovering claim payments from the party that required the waiver. General contractors in Greenville routinely require this endorsement on both general liability and workers compensation policies. It protects the GC from being sued by your carrier after a claim. The Morgano Agency adds waiver of subrogation endorsements as part of the COI process.
South Carolina law under SC Code 42-1-360 requires employers with four or more employees to carry workers compensation insurance. But in practice, every subcontractor working under a general contractor in Greenville needs workers comp regardless of employee count. The reason: if you do not carry your own workers comp, the GC's policy picks up your exposure, increasing the GC's premium and audit liability. No GC will let that happen.
For sole proprietors with no employees, The Morgano Agency writes ghost policies that satisfy the GC's requirement at a minimal annual premium. You get a valid certificate of insurance showing workers comp coverage, and the GC can add you to the job site without worrying about uninsured labor costs hitting their experience modification rate.
Builder's risk insurance covers the structure being built from the time materials are delivered until the project is substantially complete. In Greenville, where new construction ranges from custom homes in Chanticleer and Botany Woods to commercial buildings on Pelham Road and Woodruff Road, builder's risk is standard for any project with a significant value.
Inland marine insurance is often overlooked by Greenville contractors, but it covers what your other policies do not: tools, portable equipment, and materials while they are in transit between your shop and the job site, or stored on-site overnight. If a generator, table saw, or set of specialized tools is stolen from your work truck or a construction site, your commercial property policy likely excludes it. Inland marine fills that gap.
Contractors who drive trucks, vans, or vehicles with mounted equipment need commercial auto insurance. A personal auto policy excludes any vehicle used for business purposes, including hauling materials, driving between job sites, and transporting employees. South Carolina requires all vehicles to carry minimum liability of 25/50/25, but contractors should carry higher limits to match their general liability umbrella.
The Morgano Agency writes commercial auto policies for Greenville contractors with fleets from one truck to twenty. Coverage includes liability, collision, comprehensive, hired auto (for rental vehicles), and non-owned auto (for employees using personal vehicles on company business).
The SC Contractors' Licensing Board requires general and mechanical contractors to carry liability and workers compensation insurance as a condition of licensure. Workers compensation requirements are defined in SC Code Title 42. The OSHA Construction Standards establish safety requirements that affect insurance premiums and claims for contractors working in Greenville County.
Take North Main Street north past Cherrydale. North Main becomes Wade Hampton Boulevard. Continue 3.5 miles and turn right onto Pine Knoll Dr. Office is at 206B, Suite B.
Take I-385 North to the Wade Hampton Boulevard exit. Head north past Wade Hampton High School. Turn right on Pine Knoll Dr to 206B.
Head south on Wade Hampton Boulevard through Taylors. Pine Knoll Dr is on your left past Wade Hampton High School. Turn left to 206B.
Take Exit 51 for I-385 South toward Greenville. Exit at Wade Hampton Boulevard, head north, and turn right onto Pine Knoll Dr.
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