Motor Vehicle

• Auto Insurance
  Taylor Agency believes automobile insurance should absolutely complement your homeowners’ insurance. Generally speaking, this means bundling your home and auto insurance together with one company and asking for other various discounts (i.e. multi-car discounts, safe drivers, accident forgiveness, etc.). As an independent insurance agency, we’ll compare the discounts of multiple insurance companies at once and recommend when bundling works to your advantage (versus the alternative of keeping your home or multiple cars separate).
• Boat Insurance
  On the water, Taylor Agency insures yachts, racers, sailboats, cruisers, jet-skis, wave runners, Sea Doo, hover-craft, smaller boats, and other personal watercraft. For more general knowledge about boat/watercraft insurance, visit Trusted-Choice’s Boat Insurance 101 FAQ.
• RV Insurance
  On land / off-road, Taylor Agency insures RVs, motorhomes, campers, travel trailers, 5th wheels, and off-road vehicles (i.e. snowmobiles, dirt bikes, dune buggies, four wheelers, golf carts, and ATVs). For more general knowledge about motorhome insurance, visit Trusted-Choice’s RV insurance 101 FAQ.
• Inland Marine Insurance
  This type of insurance is designed to provide coverage for the transportation of goods either on the ocean or waterways (Ocean Marine), or by land (Inland Marine). Ocean Marine insurance can also cover damage to the waterborne instrument of conveyance, such as boats, ships, and barges, and to the liability resulting from third parties arising out of these operations. Inland Marine insurance would include coverage for equipment and tools owned or rented by contractors and building materials being transported and installed at job sites (Installation Floater).

Property

• Home Insurance
  Our Homeowners Insurance Program covers every type of home featured throughout South Carolina’s low country. As we assess your home’s needs, addressing issues like rising waters, water/sewage backups, wind & hail coverage, named storms, and earthquakes will be evaluated right along with you. Ultimately, you’ll always have the power of choice, so to ensure you understand our professional recommendations, we’ll always explain the subtleties and differences of your alternatives in clear and plain English so that there are NO surprises or unexpected gaps in the coverage you need. Of course, broader coverage options are always available.

Business

• Business Insurance
  The Commercial Insurance Division of Taylor Agency is steadfastly committed to safeguarding the prosperity of business because we recognize that it is the lifeblood of any community. Taylor Agency, one of South Carolina’s biggest independently owned commercial insurance agents, has excellent working connections with more than 100 top-rated property, liability, and surety insurance carriers that can offer exceptional coverage at competitive rates.
• Commercial Property Insurance
  Commercial Property insurance covers losses to tangible property, such as buildings, furniture, fixtures, inventory, contents and equipment. It can also cover consequential losses, such as the loss of business income, rents and extra expenses. Damage can result from a variety of perils including fire, vandalism, theft, windstorm, and others. Natural disasters, such as earthquakes and floods, can be purchased separately.
• Workers Compensation Insurance
  Workers Comp is an insurance policy that provides coverage for an employer’s two key exposures arising out of injuries sustained by employees. In most circumstances, it is required by law. Part One of the policy covers the employer’s statutory liabilities under workers compensation laws, and Part Two of the policy covers liability arising out of employees’ work-related injuries that do not fall under the workers compensation statute. In most states, the standard worker’s compensation and employers liability policy published by the National Council on Compensation Insurance (NCCI) is the required policy form.
• Commercial Liability Insurance
• Professional Liability Insurance
  E&O insurance is designed to protect professionals against liability incurred as a result of errors and omissions in performing professional services. Although there are a few exceptions, most professional liability policies cover economic losses suffered by third parties, as opposed to bodily injury and property damage (which is typically covered under commercial general liability policies). A list of “Professionals” is exhaustive and may include almost anyone operating a business. A few examples are physicians and health care (Medical Malpractice Insurance), attorneys, accountants, engineers and architects, real estate professionals, technology companies, consultants, instructors, and many more. The vast majority of professional liability policies are written with claims-made coverage triggers.
• Builders Risk Insurance

Personal

• Liability Insurance
  An umbrella policy adds an additional layer of liability protection to your existing insurance. It’ll safeguard you against insurance gaps your primary insurance will never cover, and it shields you against the financial burden of exhaustive lawsuits. As your underlying liability limits run out of funds, all of your hard-earned assets become an unwelcome financial resource to pay legal settlements. This includes your cars, your home, any retirement accounts, vacation/rental homes, watercraft, and any businesses you own. Even the
• Travel Insurance

Natural Disaster

• Flood Insurance
  Did you know that floods are the most common and most expensive natural disasters in the U.S. according to the National Flood Insurance Program? In addition to being the most common and costly disasters, flood damages are not covered by your homeowner’s insurance. The only flood insurance available is through the federal program called the National Flood Insurance Program (NFIP). Fortunately, Taylor Agency is able to help you navigate the federal regulations, flood zones, and coverages of the NFIP. We will be able to incorporate all of the necessary coverage to make sure that you are protected in the event of a flood.