Palmer & Cay LLC
Charleston, South Carolina
%20-%20https://sketch.com%20--%3e%3ctitle%3eac7968d8-8496-4752-819d-677d1ecca068@1.50x%3c/title%3e%3cdesc%3eCreated%20with%20sketchtool.%3c/desc%3e%3cdefs%3e%3cpath%20d='M14.6086957,16.2634293%20L17.0012799,13.8708451%20C17.4087835,13.4633415%2018.0694774,13.4633415%2018.476981,13.8708451%20L23.6943723,19.0882364%20C24.1018759,19.49574%2024.1018759,20.1564339%2023.6943723,20.5639375%20L20.5639375,23.6943723%20C20.3682474,23.8900624%2020.1028346,24%2019.826087,24%20C8.87657243,24%200,15.1234276%200,4.17391304%20C0,3.8971654%200.109937573,3.63175262%200.305627707,3.43606249%20L3.43606249,0.305627707%20C3.8435661,-0.101875902%204.50425999,-0.101875902%204.9117636,0.305627707%20L10.1291549,5.52301901%20C10.5366585,5.93052262%2010.5366585,6.59121651%2010.1291549,6.99872012%20L7.73657067,9.39130435%20L14.6086957,16.2634293%20Z%20M15.3465462,18.476981%20C14.9390426,18.8844846%2014.2783487,18.8844846%2013.8708451,18.476981%20L5.52301901,10.1291549%20C5.1155154,9.72165129%205.1155154,9.0609574%205.52301901,8.65345379%20L7.91560324,6.26086957%20L4.17391304,2.51917937%20L2.09199943,4.60109299%20C2.31551599,14.0586804%209.94131958,21.684484%2019.398907,21.9080006%20L21.4808206,19.826087%20L17.7391304,16.0843968%20L15.3465462,18.476981%20Z'%20id='path-1'%3e%3c/path%3e%3c/defs%3e%3cg%20id='Styles'%20stroke='none'%20stroke-width='1'%20fill='none'%20fill-rule='evenodd'%3e%3cg%20id='Annotations'%20transform='translate(-826.000000,%20-219.000000)'%3e%3c/g%3e%3cg%20id='Elements/Icons/Phone'%3e%3cg%20id='📐-Spacers/▫️Spacer'%3e%3crect%20id='Padding'%20x='0'%20y='0'%20width='24'%20height='24'%3e%3c/rect%3e%3c/g%3e%3cmask%20id='mask-2'%20fill='white'%3e%3cuse%20xlink:href='%23path-1'%3e%3c/use%3e%3c/mask%3e%3cg%20id='Mask'%20fill-rule='nonzero'%3e%3c/g%3e%3cg%20id='05-Styles/Colors/Gray-🔗'%20mask='url(%23mask-2)'%20fill='%23e01719'%3e%3crect%20x='0'%20y='0'%20width='24'%20height='24'%3e%3c/rect%3e%3c/g%3e%3c/g%3e%3c/g%3e%3c/svg%3e)
%20-%20https://sketch.com%20--%3e%3ctitle%3earrow-up-right-box-1-24%3c/title%3e%3cdesc%3eCreated%20with%20Sketch.%3c/desc%3e%3cg%20id='arrow-up-right-box-1-24'%20stroke='none'%20stroke-width='1'%20fill='none'%20fill-rule='evenodd'%3e%3cpath%20d='M10.8472035,1.13879573%20C11.4778083,1.13879573%2011.9890144,1.65000188%2011.9890144,2.28060663%20C11.9890144,2.91121137%2011.4778083,3.42241752%2010.8472035,3.42241752%20L10.8472035,3.42241752%20L2.28362179,3.42241752%20L2.28362179,21.7006598%20L20.5525961,21.7006598%20L20.5525961,13.1278101%20C20.5525961,12.4972054%2021.0638023,11.9859992%2021.694407,11.9859992%20C22.3250118,11.9859992%2022.8362179,12.4972054%2022.8362179,13.1278101%20L22.8362179,13.1278101%20L22.8362179,22.8424707%20C22.8362179,23.4730755%2022.3250118,23.9842816%2021.694407,23.9842816%20L21.694407,23.9842816%20L1.1418109,23.9842816%20C0.511206151,23.9842816%200,23.4730755%200,22.8424707%20L0,22.8424707%20L0,2.28060663%20C0,1.65000188%200.511206151,1.13879573%201.1418109,1.13879573%20L1.1418109,1.13879573%20Z%20M22.8581891,-1.11022302e-14%20C23.4887938,-1.0658141e-14%2024,0.511206151%2024,1.1418109%20L24,7.60086871%20C24,8.23147346%2023.4887938,8.74267961%2022.8581891,8.74267961%20C22.2275844,8.74267961%2021.7163782,8.23147346%2021.7163782,7.60086871%20L21.7167465,3.89679411%20L11.6052993,14.0094651%20C11.1315254,14.4832391%2010.3859784,14.5058314%209.94007347,14.0599265%20C9.49416858,13.6140216%209.51676091,12.8684746%209.99053486,12.3947007%20L20.1017146,2.28317643%20L16.3991313,2.28362179%20C15.7685265,2.28362179%2015.2573204,1.77241564%2015.2573204,1.1418109%20C15.2573204,0.511206151%2015.7685265,-1.33226763e-15%2016.3991313,-3.10862447e-15%20L22.8581891,-1.11022302e-14%20Z'%20id='Combined-Shape'%20fill='%2346494D'%20fill-rule='nonzero'%3e%3c/path%3e%3c/g%3e%3c/svg%3e)
Agency WebsiteProducts Offered
Business Insurance
- Boiler & Machinery
- Commercial Accounts
- Construction
- Financial Institutions
- Global Accounts
- Global Technology
- Inland Marine
- Management Liability
- Ocean Marine
- Professional Liability
- Small Business Insurance
Why Choose a Travelers Independent Insurance Agent?
An independent insurance agent serves as your advocate focused on protecting what’s important to you, and Travelers chooses to work with the most talented and trusted professionals in the business.
You can expect thoughtful attention from an experienced agent who will evaluate your unique circumstances, answer your questions, support you throughout your journey and recommend the right mix of coverages to help protect all the things that are important to you and your family. You get a trusted insurance advisor and champion for your needs when you choose a Travelers independent agent.
Learn MoreYou can expect thoughtful attention from an experienced agent who will evaluate your unique circumstances, answer your questions, support you throughout your journey and recommend the right mix of coverages to help protect all the things that are important to you and your family. You get a trusted insurance advisor and champion for your needs when you choose a Travelers independent agent.
Featured Products
Workers Compensation
With more than 100 years of experience, we have built a broad range of innovative services, all delivered locally in your community.Small Business Owner's Policy
Protects your business from property and (general) liability risks with a bundled, affordable solution that meets the general needs of your small business.Cyber
We understand the complexity of cyber threats and have cyber liability insurance solutions to help protect your business assets.Management & Professional Liability
Policies that fit your unique responsibilities and exposures - whether you're a private, public, nonprofit or a financial institution.General Liability
Travelers offers a wide range of general liability options to help protect your business.Surety Bonds
Travelers can help both individuals and businesses - ranging from small to multi-national companies - with their surety bond needs.
Frequently Asked Questions
Starting your own business means taking on some degree of risk. As a business owner, you already have the passion and drive to take on new challenges, but you'll also need to protect the value of the assets you purchase for your company. Insurance can help you recover when things go wrong. From property losses related to items such as fire or theft, to liability issues should someone sue – or threaten to. With the proper policies in place, you'll gain peace of mind and feel more comfortable in your new role as an entrepreneur.
Businesses often need to carry more than one type of insurance, and your business' insurance needs may be highly individualized. A knowledgeable agent can help you find the right solutions. For some states, carrying insurance is a requirement. Requirements may also vary by the type of business you own and the number of employees; however, worker's compensation is required by law in most states, and highly recommended if not.
The cost of insurance is based on a range of factors including the following:
·The value of the company assets you wish to insure.
·Number of employees.
·Specific risks associated with your industry.
·Your personal risk tolerance and the amount of liability protection you prefer.
·The value of the company assets you wish to insure.
·Number of employees.
·Specific risks associated with your industry.
·Your personal risk tolerance and the amount of liability protection you prefer.
There are several things you can do to keep insurance expenses in check. Performing an annual risk assessment and identifying actions you can take to lower your insurance costs is the first step. Also, your agent can be a great resource to review your existing policies and deductibles, to make sure your coverage and limits are right-sized for your business. Lastly, if you purchase more than one insurance policy from the same agent, don't forget to ask if you qualify for a multi-policy discount.
At the most basic level, insurance helps you manage the risk of loss for your business. You don't want to experience a loss that would have been covered if you'd had the right policy in place. Spend time assessing your operational risks to determine your greatest risk factors. A knowledgeable insurance professional can also review your policies in order to look for gaps in coverage.
Featured Articles
Cyber Risk Pressure Test [Tool]
What could your company be doing to better manage cyber risk? Take our four-part questionnaire to find out.Extreme Weather and Your Business [Video]
Disaster events can affect any business, and getting back up and running may take longer than you think.What is a Business Owner's Policy (BOP)? [Video]
A Business Owner's Insurance Policy (BOP) can help safeguard your company from property damage, loss, and lawsuits in the wake of unforeseen events. Watch this video to learn more.What is Contractual Risk Transfer?
Making sure you're not held responsible for mistakes and errors made by a service provider, subcontractor or other party can be critical to protecting your business.Six Ways IoT Can Create Competative Advantages and Risk
Smart tech is changing virtually every aspect of manufacturing. Here is a look at six areas where it provides opportunities, and potential risks.How Campanies Can Help Reduce Risk from Wearables
The introduction of wearables in the workplace brings a new set of risks to your business.