Apply for Workers Comp Insurance in South Dakota

South Dakota Coverage Requirements

    All employers in the state of South Dakota are required to carry Workers' Compensation Insurance.

    Sole-Proprietors and Partners are excluded from coverage, but they can elect to be covered.

    Corporate Officers and LLC Members are automatically included in coverage, but they may elect to be exempt.

    Some exceptions exist to the mandatory workers comp requirement. Some of those exceptions include: Domestic Servants who work less than 20 hours per week and for less than 6 weeks in any 13 week period, farm or agriculture labor and certain elected officials of the state or any subdivision of government workfare participants.

    An exception exists for independent contractors not in the usual course of the employers trade, business, occupation or profession. Some examples of this would be real estate agents and owner-operators of trucks.

    Jury Duty, holiday pay, vacation pay, and sick pay may be excluded from workers' comp premium calculations if detailed records are kept for payroll.

2020 Payroll Limits & Owner Exclusion Requirments

    Sole-Proprietors and Partners who include themselves on workers compensation coverage must use a payroll amount of $40,600 for rating purposes. (Accurate as of 3/1/2019, last updated by the state on 07/01/2018)

    Officers and LLC Members who are not excluded from coverage must utilize a minimum annual payroll of $41,600 and a maximum payroll of $161,200 for the purpose of rating workers comp premium. (Accurate as of 3/1/2019, last updated by the state on 07/01/2018)

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 Dakota 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 Dakota.

$O Deposit or Minimum Down

We've developed Pay As You Go worker compensation programs that reduce or eliminate premium deposits and allow South Dakota 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.

Shop Work Comp Rates in SD

South Dakota is a file and use state which means carries rates may vary significantly depending on class codes and carrier appetites. We offer a broad range of carriers with low rates for easy and hard-to-place workers comp codes.

Quote South Dakota Workers Compensation With Us

South Dakota Rates

Rates for workers' compensation rates in the state of South Dakota are almost exactly the national average. They have remained stable for the past five years. This is good for employers purchasing workers' compensation coverage, but many business owners do not take full advantage of all the discounts, rebates and programs available to help their business save on workers comp coverage.

Need Help With South Dakota Class Codes?

Insurance rates vary significantly between NCCI classification codes. Let our SD Workers Compensation Specialists help you determine your correct workers compensation class codes before you buy coverage. We'll help make sure your business is properly covered and that you get the lowest rates and biggest discounts on your next policy.

Best 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 Dakota. 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 Dakota 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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