What is South Carolina’s liquor liability insurance requirement? 

Businesses selling alcohol for on-premises consumption after 5:00 p.m. must carry at least $1 million in annual aggregate liquor liability coverage. Qualifying risk mitigation steps can reduce that requirement, but coverage may never fall below $300,000. These rules took effect January 1, 2026.

By Heather

Heather focuses on small business insurance at Gild Insurance Agency, writing clear, practical guidance that helps business owners understand coverage, manage risk, and protect their businesses.