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.
https://www.scstatehouse.gov/code/t61c002.php
https://www.scstatehouse.gov/sess126_2025-2026/bills/3430.htm
