Apply for Workers Comp Insurance in South Carolina

South Carolina Coverage Requrirements

    Companies with more than four full or part-time employees are required to purchase workers compensation insurance.

    Sole Proprietors, Partners and LLC Members are excluded from coverage, but are able to elect to be included.

    Corporate Officers are included but may elect to be exempt using the South Carolina Corporate Officer Rejection Form.

    Some exceptions exist for certain industries. Agriculture and railroad employees, railway express companies and their employees, and employers who had a total annual payroll of less than $3,000.00 the previous year.

2020 Payroll Limits & Owner Exclusion Requirments

    Sole Proprietors, Partners and LLC Members wishing to be included must enter payroll of $42,000.00 per year for premium calculation purposes (Accurate as of 3/1/2019, last updated by the state on 4/1/2018).

    Corporate Officers who elect to be included in coverage must be listed at a minimum of $20,800.00 and a maximum of $166,400.00 per year for premium calculation purposes. (Accurate as of 3/1/2019, last updated by the state on 4/1/2018).

Workers' Comp Insurance Varies by State- Know the Law

Every state has their own rules for how employees must be covered and how they must be classified for rating purposes. A lot of states use state specific class codes and have different requirements for who is obligated to carry workers' compensation insurance coverage.

If you have employees that travel out of state for work, or they work in multiple states throughout the year, you may need to purchase insurance for all the states where your workers are located and working. In most cases, you can add multiple states to one policy.

Workers' Compensation Insurance in South Carolina can be purchased from private insurance companies authorized by the state to provide coverage. The Assigned Risk Pool, or State fund coverage, is available for employers who are unable to find coverage from a private company. can help you navigate your best options.

Policy premium is based on numerous factors including: class codes assigned to your business and employees, estimated payroll, covered states, prior policies, owner experience and claims.

Enjoy the benefits of our Pay As You Go Workers' Comp Options in South Carolina.

$O Deposit or Minimum Down

We've developed Pay As You Go worker compensation programs that reduce or eliminate premium deposits and allow South Carolina employers to report and pay premium based on actual payroll wages. Reduce your audit risk.

Lower Monthly Payments

We've negotiated special terms with many of our insurance partners to offer more flexible payment options like 12 equal installments plans and monthly reporting programs to help improve cash flow for our business owners.

Fast and Easy Service.

At Workers Compensation, we strive to make buying Workers Comp Insurance fast and easy. We have a custom built process designed to match your business with insurance providers who are the perfect match for your industry.

Quote South Carolina Workers Compensation

South Carolina Rates

Rates in South Carolina are a little higher than the national average. This makes it immensely important to take advantage of all the programs and discounts available to your business. Our specialists know the ins and outs of workers compensation insurance. Start a quote online and one of our agents will get back to you within 24 hours with many options to serve your needs.

Need Help With South Carolina Class Codes?

Insurance rates vary significantly between NCCI classification codes. Let our SC Workers Compensation Specialists help you determine your correct workers compensation class codes before you buy a policy. Call today and one of our specialists will help make sure your business is properly covered at the lowest rates available.

Online Workers Comp Quotes

We make the process of getting workers compensation quotes fast and easy. We know your time is valuable. That's why we work harder to streamline the quote process, compare your rates and coverages, and present your best options as quickly as possible. We often have your insurance quotes ready in less than 24 hours.

Shop Over 35 Insurance Carriers

We're a National Agency, and we have tons of carriers offering work comp in South Carolina. We have access to over 35 insurance companies with a diverse appetite and competitive rates. Our markets know we expect the lowest rates, bigger discounts, and more policy credits when we request a quote.


Did you know that the cost of a workers comp policy in South Carolina can vary significantly between insurance company, underwriter, and insurance agency?
Find the best deal on workers compensation insurance.
Visit NCCI for more resources and information about workers' compensation class codes. Visit United States Department of Labor for more information about government agencies managing workers compensation insurance rates.

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