South Carolinacontractor insurance & bonding requirements
Updated April 2026 · Source: SC LLR Residential Builder Commission §40-59
Minimum requirements
- General liability
- $500,000
- Workers' comp
- Required for crews
Licensed general contractors in South Carolinacarry commercial insurance so that if a crew member gets injured on-site, a homeowner's appliance is damaged during demo, or a neighboring property suffers an impact from construction, the contractor's policy (not the homeowner's) pays the claim. AskBaily does not match homeowners to contractors below these minimums.
Residential Builder License required for new construction ≥$5K. Financial statement instead of bond.
Common questions
What insurance does a South Carolina general contractor need?
A South Carolina general contractor needs at minimum $500,000 general liability coverage. Workers' compensation insurance is required for crews. Per SC LLR Residential Builder Commission §40-59.
How much is the surety bond for South Carolina contractors?
South Carolina does not require a state-level surety bond for general contractors. Residential Builder License required for new construction ≥$5K. Financial statement instead of bond.
Who is the licensing authority in South Carolina?
SC LLR Residential Builder Commission §40-59 is the authority for South Carolina contractor oversight. Public license lookup is available at https://llr.sc.gov/resbuild/.
How does AskBaily verify contractors in South Carolina?
AskBaily runs automated verification against SC LLR Residential Builder Commission §40-59 before a contractor is matched to a homeowner project. The pro's license number is validated live at signup.
What happens if a contractor doesn't carry the required insurance?
Underinsured contractors are removed from the AskBaily match pool immediately. A homeowner who hires an unlicensed or underinsured contractor in South Carolina can lose the right to mechanic's lien protection, may be held liable for on-site injuries, and forfeits protection under SC LLR Residential Builder Commission §40-59. That's why AskBaily's policy is to match only verified pros.
Nearby jurisdictions
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