Commercial Insurance Built for Real Working Businesses
Protecting contractors, trades, service companies, and small businesses across South Carolina with honest coverage and fast support.
WHAT WE COVER
General Liability
Protection for jobsite accidents, property damage, and customer claims.
Workers Compensation
Coverage for employee injuries, medical bills, and lost wages.
Commercial Auto
Insurance for work trucks, vans, and business vehicles.
Tools & Equipment
Coverage for tools, machinery, and mobile equipment.
Property Insurance
Protects your building, office, inventory, and equipment.
Bonds
Contractor bonds, license bonds, and performance bonds.
INDUSTRIES WE SERVE
We are Blue Collar Specialty Company
Construction & Trades
Contractors, electricians, plumbers, HVAC, roofers, welders, handymen, painters, and specialty trades.
Hospitality & Food Service
Restaurants, food trucks, bars, cafés, catering, event services, and small hospitality businesses.
Retail & Small Business
Boutiques, storefronts, e‑commerce, salons, barbers, pet services, and local shops.
Automotive & Service Professionals
Auto repair, mobile mechanics, detailing, tire shops, towing, and service‑based businesses.
Cleaning, Janitorial & Maintenance
Commercial cleaning, residential cleaning, pressure washing, landscaping, and property maintenance.
Cannabis, CBD & Vape Retailers
CBD shops, hemp retailers, Delta‑8/9 stores, vape shops, smoke shops, and cannabis‑adjacent businesses.
Don't See Your Industry?
No worries — we can still serve you. Royal Palms Group works with a wide range of businesses, including specialty and hard‑to‑place industries.
Frequently asked questions
What documents do I need for a commercial quote?
Basic business info, what type of work you do, prior insurance (if any), and estimated revenue/payroll. If you’re not sure, we walk you through it.
Do you insure subcontractors?
Yes — we can insure subs directly or help you meet general contractor requirements.
Do you offer Workers Comp for small teams?
Yes — even if you only have 1–3 employees, we can help you get compliant.
Do you cover tools, equipment, and trailers?
Yes — we insure tools, machinery, mobile equipment, and work trailers.
Do you offer bonds for contractors?
Yes — including license bonds, permit bonds, and performance bonds.
Do you insure cannabis, CBD, or vape shops?
Yes — we cover CBD, hemp, Delta‑8/9, vape shops, and smoke shops. (Retail only — no cultivation or manufacturing in SC.)
What if my industry isn’t listed?
No worries — we can still serve you. Royal Palms works with a wide range of businesses, including specialty and hard‑to‑place industries.