Commercial Insurance

Protect your Charleston business with coverage designed for the Lowcountry's commercial landscape, from King Street retail to industrial operations.

Running a business in Charleston means navigating risks that are specific to this market, including hurricane exposure, flood-prone commercial districts, and the liability that comes with high foot traffic in historic areas. Harbor Point Insurance provides general liability, commercial property, professional liability, and business interruption coverage through carriers experienced with coastal commercial risks. We serve restaurants on King Street, medical practices in Mount Pleasant, contractors across the Tri-County area, and everything in between. Our agents understand how wind deductibles, flood exclusions, and business income coverage interact, so your policy actually protects your bottom line when something goes wrong.

What's Included

General liability and property coverage
Business interruption protection
Professional liability options
Workers compensation coordination

Commercial Insurance Service Areas

We provide commercial insurance services across the Charleston area and Lowcountry.

Frequently Asked Questions

Does commercial property insurance cover hurricane damage to my business?

Wind damage is typically covered, but flood damage requires a separate commercial flood policy. Most commercial property policies in Charleston include a percentage-based wind/hail deductible, usually 2-5% of the insured value. We'll explain exactly how your deductible works.

What is business interruption insurance?

Business interruption coverage replaces lost income and covers ongoing expenses if a covered event forces your business to close temporarily. For Charleston businesses, this is critical during hurricane season when mandatory evacuations or storm damage can shut you down for days or weeks.