Business Insurance
Your Business Is Your Livelihood. Let’s Protect It Like One.
No cookie-cutter policies. No confusing jargon. Just real protection.
You’ve poured your time, money, energy, and reputation into building your business, and one accident, lawsuit, storm, or unexpected event shouldn’t take it all away. That’s where the right business insurance comes in.
At Rhonda P. Myers Insurance Agency, we help Charleston-area businesses protect their income, property, employees, and future — with smart coverage built around how you actually operate.
Our Services
Why Business Insurance Matters (More Than You Think)
Even the best-run businesses face risks every day:
A customer slips and gets hurt
An employee damages client property
A storm destroys your office or equipment
You’re sued for something you (or an employee) did
A company vehicle is in an accident
An employee gets hurt on the job
A fire shuts down your operations
One claim could cost thousands — or even millions.
The right insurance keeps you protected AND keeps your doors open.
The Core Coverages Every Business Should Know
1️⃣ GL – GENERAL LIABILITY INSURANCE
The #1 most important business coverage.
Protects you if your business is sued for:
Someone getting hurt on your property or job site
Damage to someone else’s property
Accidents caused by you or your employees
Legal defense, attorney fees, settlements, judgments
If you work with people, clients, or the public — you need GL.
2️⃣ BOP – BUSINESS OWNER’S POLICY (a.k.a. Business Owned Property)
A BOP bundles General Liability + Commercial Property Insurance into one affordable, powerful policy.
A BOP protects:
Your building (if owned)
Your office or workspace
Furniture, inventory, tools, equipment
Computers, fixtures, supplies
Fire, theft, storms, vandalism
Business Interruption / Loss of Income (If you can’t operate due to a covered loss, your income is protected!)
BOP = Liability + Property + Lost Income (all-in-one).
It’s the smart choice for most small to mid-sized businesses.
3️⃣ COMMERCIAL AUTO INSURANCE
Personal auto insurance does NOT cover business use or company vehicles.
Commercial auto covers:
Company cars, trucks, vans, service vehicles
Employees driving for business purposes
Accidents, injuries, property damage
Lawsuits and legal defense
If you or your employees drive for work — you need commercial auto.
4️⃣ WORKERS’ COMPENSATION
Required by South Carolina law if you have employees.
Workers’ comp covers:
Medical bills if an employee is injured on the job
Lost wages during recovery
Rehab or disability
Legal protection if an employee sues
It protects your team — and protects your business from lawsuits.
Additional Coverages We Can Customize for Your Business
Every business is different. We can tailor your policy with coverages like:
Professional Liability (E&O) – For service mistakes or bad advice
Tools & Equipment / Inland Marine – Covers equipment on job sites or in transit
Cyber Liability – Data breach, hacking, stolen info, ransomware
Employment Practices Liability – Claims from hiring/firing/discrimination
Commercial Flood Insurance – Flooding is NOT covered in standard policies
Business Interruption – Replaces income if you’re forced to close temporarily
Commercial Umbrella (Extra Liability) – Adds $1M+ protection above your limits
Key Person Insurance – Protects if a key employee or partner passes away
Group Life or Benefits Packages – Attract and retain good employees
Rhonda helps you choose ONLY what you need — nothing you don’t.
Who We Protect (Local, Real Businesses Like Yours)
We proudly serve businesses across Charleston, James Island, Johns Island, West Ashley, Mt. Pleasant, Summerville, and beyond, including:
Construction & Contractors:
General contractors, HVAC, plumbing, electrical, roofing, remodeling, landscaping, pest control
Retail & Restaurants:
Shops, boutiques, cafes, bars, bakeries, food trucks, catering
Professional Services:
CPAs, attorneys, consultants, realtors, financial professionals
Health & Beauty:
Salons, spas, massage therapists, wellness studios
Home & Property Services:
Cleaning companies, organizers, painters, flooring, pressure washing
Marine & Tourism:
Fishing charters, boat rentals, tour companies
Small & New Businesses:
Startups, home-based businesses, side hustles
If you make money — we can protect it.
Need to Provide a Certificate of Insurance (COI)?
We deliver COIs fast so you don’t lose contracts or job opportunities.
Bundle & Save (Business + Personal)
Many business owners insure their business and personal policies with us and save BIG.
Bundle:
Business Insurance
Commercial Auto
Umbrella Liability
Key Person Life Insurance
Personal Home + Auto + Life
Fewer gaps. Lower premiums. One trusted advisor.
Why Work with Rhonda Instead of a 1-800 Number or Random Broker?
Because we don’t just sell policies — we protect businesses.
With our agency, you get:
Local expertise (we understand Charleston risks & regulations)
Customized coverage (not generic policies)
Help meeting contract or lease requirements
Fast Certificates of Insurance (COIs)
Claims guidance and advocacy
Annual policy reviews as your business grows
One agent for everything
A true relationship, not a call center
We’re your insurance partner — not just your agent.
Real Example:
“A customer slipped outside our restaurant and broke her leg. Without general liability, the lawsuit would have bankrupted us. Rhonda helped us get the right coverage and even handled the claim. I will never work with anyone else.”
Protect Your Business Before Something Happens
You work too hard to leave everything at risk.
Let’s build a plan that keeps your business, your income, your employees, and your future safe.
Your business is your livelihood. We’ll protect it like one.
© 2025
Rhonda P Myers: Allstate Insurance. All rights reserved