How does workers' comp work in South Carolina?

A lot of employers are misinformed about Workers Compensation Insurance. In South Carolina it is required for most employers, but many don't know what exactly it covers and how to use it when an incident occurs. At Workers Compensation we have broken this information down in to several topics in an attempt to make easier for you the business owner to know what Workers Comp is and how it benefits your business.

Rates on workers compensation coverage in South Carolina are fairly high compared to national averages. This makes it ever more important to be informed and to shop your policy around. Our agents specialize in Workers' Compensation Insurance and we work with more than a dozen carriers. Because of these two factors we are confident we can find you the best rates in the industry.

When you are ready you can start a quote online or if you have a moment now give one of our knowledgeable and friendly agents a call at 888-611-7467.

Workers' Comp Rules & Information for South Carolina

State Insurance Directives Regarding Covid-19

The state of South Carolina has nit issued any directives.

Discretionary order in effect from 03/13/2020 - further notice.

State Orders Regarding Insurance Claims Related to Coronavirus

No current state orders.

South Carolina Workers' Compensation Commission

PO Box 1715
1612 Marion Street
Columbia, SC 29202-1715

What is Workers' Compensation?

The basic purpose of the Workers’ Compensation is to provide wage replacement benefits and medical treatment for employees who have been injured or become ill due to a work-related injury or illness. It prevents the employer from bearing the costs of injuries that occur during normal business operations.

South Carolina Work Comp Commission

The South Carolina Workers Compensation Uninsured Employer's Fund was established to ensure payment of benefits to uninsured employees. SC has paid out tens millions of dollars for uninsured claims since 2008. As a result, the state is making greater efforts to enforce coverage.

How does workers comp help my employee?

Employees benefit from workers comp coverage by having lost wages covered while they are hurt or sick and not able to work. It also pays for medical costs they might incur as a result of the sickness or injury.

South Carolina No-fault system

South Carolina provides a no-fault workers comp system designed to limit employers liability to benefits provided by the SC Workers Compensation Act. Coverage in SC is the exclusive remedy for on-the-job injuries in South Carolina.

How does workers comp help my business?

Your business benefits from workers comp coverage by not being liable for injuries that occur as a part of normal business operations. This applies whether the injury was the fault of the business or was caused by negligent actions of the employee.

More Programs and Options

We're always working with our insurance carriers to develop specialized programs for a broad range of industry class codes. Our Target Programs are designed to streamline the underwriting process and help ensure we offer the lowest rates available anywhere.

  • Contractors
  • Home Health Care
  • Janitorial Services
  • Transportation
  • Hospitality
  • And More
South Carolina Work Comp Information

Subcontractor Liability in SC

Business owners or principal contractors on a job are ultimately liable to pay workers' compensation benefits to any sub contractors injured on a job who do not have workers compensation coverage. They are treated the same as an employee in South Carolina.

Let Workers Compensation help your business navigate workers comp insurance in South Carolina.

What Does Workers' Compensation Insurance Cover?

Workers' comp coverage protects employees when injured. It makes good financial sense for both parties.
Injuries and accidents happen. A workers' comp policy is a no-fault system that pays for these accidents and claims. It's required by law in most states.
  • Loss of income for employees unable to perform job duties
  • Medical expenses for employees injured on the job
  • Retraining expenses for employees unable to return
  • Permanent injury or disability for lasting injuries
  • Survivor benefits if employees are killed on the job
Coverage does not protect employers from everything. Sometimes employees and employers can be negligent.
In some instances, workers' compensation coverage will not protect employers or employees from the legal liability resulting from a workplace injury.
  • Injuries resulting from a violation of the law
  • Incidents resulting from employees' use fo drugs or alcohol
  • Injuries that did not occur in connection with the job
  • Clear company policy violations
  • Injuries that did not occur in connection with the job

Workers' Comp Includes Employers Liability Insurance?

Employers liability insurance is an additional layer of coverage included as part of a workers' compensation insurance policy. Employers Liability is know as Part 2 of the policy. It adds two additional coverages for employers:

Employers Legal Liability and Legal Defense Costs

In todays world, there are a variety of reasons employees and third-parties sue employers for damages. Here a some common types covered by employers liability insurance:

Third Party Lawsuits

Your employee sues another party that may have contributed to the injury, In turn, the third party sues your business.

Consequential Bodily Injury

Another party or individual is injured while providing care for the injured employee.

Dual Capacity Legal Action

An employee files a claim but also attempts to sue the employer for being responsible in other ways outside of the employment relationship.

Loss of Consortium

A spouse sues for damages caused by the loss of companionship or relations.

Employers Liability coverage is not included with coverage in the four monopolistic states. Employers in these states can endorse this coverage onto their General Liability policy. That coverage is commonly know as Stop Gap Coverage.

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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