Business Owner's Policy

One policy. Most of what a small business needs.

A BOP bundles general liability, property, and business income coverage so SC small businesses don't pay for them separately.

Who it's for

Built for folks like you.

Greenville and Upstate retailers, restaurants, offices, salons, contractors, and service businesses with a physical location, tools, or inventory.

What it can cover

The real-world stuff that matters.

General liability

Bodily injury, property damage, and personal injury claims from third parties.

Commercial property

Buildings, inventory, equipment, and tools you use in the business.

Business income

Replaces lost revenue if a covered loss forces you to close temporarily.

Equipment breakdown

Mechanical and electrical breakdown of HVAC, fridges, and similar equipment.

Tenant improvements

Build-outs you've paid for in a leased space.

Hired & non-owned auto

Add-on for employees driving rentals or personal vehicles for work.

Why Garcia Agency

Independent. Local. Honestly on your side.

We shop multiple carriers

We're independent, so we compare a dozen+ carriers to land you the right coverage at the right price, not whatever a captive agent has to sell.

Real South Carolina agents

Based in Greenville, serving the Upstate and the rest of SC. You'll talk to a person, not a call-center script.

Easy to actually reach

Call, text, or email. We respond fast during office hours and follow up like real humans.

Service area: Greenville, Anderson, Spartanburg, Columbia, Charleston, Myrtle Beach, Rock Hill, and the rest of South Carolina.

FAQ

Common questions, straight answers.

Ready to compare rates?

One quick form. We'll shop the carriers and get back to you fast.