INSURANCE & RISK MITIGATION FOR BUSINESSES IN SOUTH CAROLINA.

Business Insurance Specialists. Lowering Risks. Lowering Costs.

Commercial insurance experts.  Partner with an agency that understands your challenges and opportunities.   Losses, employee injuries and risks can devastate your business.  Partner with a team that offers you the experience, guidance, and tech stack to immediately start lowering Total Costs of Risks for your business.

Commercial Insurance for your business

Start a conversation with Advisors who work exclusively with small to midsize businesses across South Carolina. 

Risk Mitigation for your business

Our Advisors work to lower your Total Costs of Risks.   We offer a system that is completely different than any other agency.

We help businesses in Columbia, SC, lower risks and thereby lower COSTS.

What would a lawsuit or loss do to your small to midsize business?  Large companies have risk experts; however, smaller companies, with more to risk, don't have this resource.

Our clients receive a risk partner.

Safe Harbor Insurance Advisors is a boutique commercial insurance agency that guides small businesses to reduce risks of employee injury, product or equipment loss, minimize the chances of cyber breach, and reduce liability exposure.  These are the risks small businesses face.

Our agency does not help every business.  But if you are chosen, we will lower your total costs of risks for your business..

Choice

Being Independent means that we don't work for any one insurance company. We have the ability to search multiple companies on your behalf, acting as a negotiator, to find you the best possible policy and price. You never have to haggle with an agent or insurance company again.

Expertise

Not all insurance agencies are created equal. We have an in-depth knowledge of insurance policy coverages from dozens of different insurance companies. We've seen it all, and when it comes to fine print, we truly understand the coverage we are recommending.

Service

Why sit on hold with a call center representative who doesn't know you, when you can deal with a familiar face who knows you and understands your unique situation? Our customer service is the single biggest reason why our customers refer us so many of their friends.

Claims

The entire reason you have insurance is for when you need to use it. Unfortunately, insurance contracts contain many exclusions and conditions you may be unaware of. We'll help you understand how you're covered, and walk you through your claim.

Local

Why work with a large agency and speak with their call center, when you can have an Advisor at your office today?  We live and work here in the Carolinas and want to see you and your business thrive!

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Running a business is challenging. Let our Advisors keep you what you do best.

Our Advisors help our clients keep doing what they love: running their business.  You started your business because you are good at something.  Let our team keep you on that path and away from things that could destroy that dream.   

Don't just buy business insurance.

Our Advisors will identify common risks within your industry and outline resources to mitigate.  Our Advisors also perform an in-depth review of your company to provide a detailed month-to-month plan on how to minimize exposure.   Our team will provide you with the dollar amount we plan on saving your business within the first year.  If we don't exceed that goal, we will help find you another agency.   That is our promise.  

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From our first meeting, our team will outline our IMPACT and how we plan on helping your business.

  • Effeciency

    We will deliver quick numbers so you know how much we plan to save your business.

  • Clarity

    Our propriatary online portal will show your ongoing savings and each step to reducing risk for your business.

  • Honesty

    We want open, direct dialogue.  That's what we will deliver to you.

Our friendly & knowledgable team is our greatest competitive advantage.

What makes one insurance agency different from all the rest? Simple - people, personality, and professionalism. At Safe Harbor Insurance Advisors, we go above and beyond to ensure your experience with us is one you won't forget.

Safe Harbor Insurance Team

Get answers to frequently asked insurance questions on our blog

Insurance is one of the most confusing things for the average consumer to understand - but it doesn't have to be that way. At Safe Harbor Insurance Advisors, we take great pride in educating you on how your coverage works.

This is critical in ensuring that you know exactly what you're paying for when you purchase insurance from us, or any other agency. Insurance is a legally binding contract between you, and an insurance company. It's important that you understand how you're covered, how you're not covered, and what the conditions are in your policy.

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Are you an existing agency client in need of policy support?

Depending on what type of request you have, it may be fulfilled by our in-house team of CSRs (customer support representatives) or by your insurance carrier directly. If you have an emergency claim, we'd recommend contacting your carrier directly.

Business Insurance & Risk Solutions Simplified

At Safe Harbor Insurance Advisors, we focus solely on companies here in the Columbia, SC, area. This gives you a risk advisor partner who knows your challenges and opportunities.

Risk Mitigation Guidance

Our advisors have a tested process to identify your risks and build a tailored solution to lower your Total Cost of Risks and drive revenue.   

360 Business Insurance

We offer comprehensive business insurance solutions to protect your firm.  From Risk Mitigation to Workers Comp and Commercial Auto. We offer a full suite of insurance services.

Cyber Insurance

Cyber attacks are becoming the largest threats to small to mid size firms.  We have the unique ability to analyze your business cyber threats and tailor a solution for your business.

Start A Conversation With Us

Enter some basic information to get started, and our helpful team will take it from there!