Courier & Messenger Insurance in South Carolina

South Carolina's growing healthcare system (MUSC in Charleston, Prisma Health statewide), expanding legal market, and booming tourism-driven economy create steady demand for courier services. Medical couriers serve hospital networks across the state, legal messengers file in county courthouses from Charleston to Greenville, and same-day delivery supports the state's manufacturing and port operations. Our agency provides courier-specific coverage for SC operators.

Coverages we place

• Commercial auto liability for SC courier operations
• Physical damage on courier vehicles
• Cargo/bailment coverage
• Medical courier compliance coverage
• Professional liability / E&O
• General liability
• Hired and non-owned auto
• UM/UIM coverage (SC mandated)

Who needs this coverage

SC same-day couriers, medical couriers serving MUSC/Prisma Health networks, legal messengers across Charleston/Columbia/Greenville courts, pharmaceutical couriers, and port-area document and sample delivery services.

What drives your premium

• Delivery volume
• Cargo type
• Vehicle type and courier count
• SC garaging location
• Employee vs. contractor workforce

Common exclusions

• Theft of unattended packages
• Temperature-sensitive spoilage without endorsement
• Personal use
• Non-compliance with regulations

Frequently asked questions

How much does courier insurance cost in SC?

SC courier insurance costs $2,500–$5,500/year per vehicle. Medical courier coverage costs more. Charleston rates may be slightly higher than Upstate.

What does an SC courier need for insurance?

Commercial auto, physical damage, cargo/bailment, and UM/UIM coverage at minimum. Medical couriers need additional compliance coverage.

Related coverage

• Courier Insurance (National)
• Delivery Vehicle Insurance
• Box Truck Insurance SC
• General Liability

Get a free quote or call (321) 206-8035.