Local risk picture
Hurricane wind with named-storm deductibles stacks on top of irreplaceable historic construction — plaster, slate, hand-carved millwork — whose replacement cost far exceeds market value. Flood (excluded from standard policies) deserves a real decision on the peninsula. Agreed-value terms and ordinance-and-law coverage are essential.
Coverage Charleston congregations put together
Most Charleston organizations combine property, general liability, workers' comp, abuse & molestation, D&O, and cyber coverage into one package. We compare specialist church carriers side-by-side and deliver quotes within one business day.