“State lawmakers didn’t want to do anything, so we took things into our own hands,” said Christopher Smith, executive director of the South Carolina Bar & Tavern Association. Another trick: Ragnar Insurance takes a hard look at bathrooms. But I’m leary of it,” said Becky McCormack, president of Big I of South Carolina, the independent insurance agents’ association. Vermont, for example, has similar liability coverage requirements and statutes. Ragnar Insurance is named after a fictional character in Viking mythology, popularized in books and television shows.