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