How much does Restaurant insurance cost in Charleston, South Carolina?

The estimated annual cost for a Restaurant in Charleston with one employee is between $1123 and $1651. The state base rate is $890.

What insurance is required for a Restaurant in South Carolina?

In South Carolina, businesses are subject to a 6.0% insurance tax. Restaurants typically need General Liability due to a risk factor of 1.4.

Restaurant Insurance Cost in Charleston, South Carolina (2026 Guide)

Estimated Cost (2026)

Adjust based on your team size

Number of Employees1

Just me (1)Team (20)

$1123-$1651

Estimated Annual Premium

Monthly Average Breakdown

$110 / mo

Includes General Liability

Industry Risk Profile

Restaurants need coverage for customer slip-and-falls, foodborne illnesses, and liquor liability if alcohol is served.

Risk Factor1.4x

Location Factors

State Base Rate$890
Charleston Multiplier1x
State Tax Rate6.0%

Local Compliance FAQ

Is General Liability required in Charleston?

While South Carolina law may not mandate it for all businesses, Restaurants often need proof of insurance to bid on local commercial projects in Charleston.

Why is the rate different here?

Your premium reflects South Carolina's specific base rate of $890 and a local city multiplier of 1x.

Compare Restaurant Insurance in Other South Carolina Cities

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How much does Restaurant Insurance cost in Charleston?