How does workers' comp work in South Dakota?

South Dakota has rates on workers compensation insurance that are on par with the national averages. These rates have remained steady for some time. This makes it very important for employers to shop their policy around to ensure they are maximizing their policy.

At Workers Compensation Shop.com, we specialize in Workers' Comp Coverage. We know the ins and outs of this market place. We partner with more than 30 insurance carriers who are eager to quote your policy. Currently more than a dozen of our partners are actively quoting policies in South Dakota. This gives us an advantage many carriers simply do not have. Most partner with only a few carriers to quote your policy. We can quote numerous carriers and make them compete for your coverage. This will get your business better coverage and lower rates.

South Dakota partners with the National Council on Compensation Insurance (NCCI). NCCI gathers data, analyzes industry trends, and prepares objective insurance rate and loss cost recommendations. NCCI is the nation’s most experienced provider of workers compensation information, tools, and services. South Dakota uses NCCI to determine rates on workers' compensation coverage and to administer the assigned risk for the state. If your business for any reason cannot find coverage on the open market the assigned risk will offer coverage. Coverage in the assigned risk is normally higher than the open market.

Call today to speak with one of our knowledgeable specialist's at 888-611-7467 or you can start a quote right here online. It only takes a few minutes.

Workers' Comp Rules & Information for South Dakota

SD Department of Labor

Kneip Building
700 Governors Drive
Pierre, South Dakota 57501-2291
605-773-3681

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.

How does workers' comp help my business?

Your business benefits from workers' compensation 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. You can move forward with your business operations knowing that if one of your employees is injured because of something that happens as a normal part of your business operations, your business is not liable for the costs.

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 Dakota is an NCCI state

South Dakota partners with the National Council on Compensation Insurance (NCCI). NCCI gathers data, analyzes industry trends, and prepares objective insurance rate and loss cost recommendations. NCCI is the nation’s most experienced provider of workers compensation information, tools, and services. South Dakota uses NCCI to determine rates on workers' compensation coverage and to administer the assigned risk for the state.

State Insurance Directives Regarding Covid-19

South Dakota has not 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.

Specialized Programs for Select Industries

We work with our national insurance partners to develop targeted programs with easier underwriting requirements and lower rates. We offer a broad range of business class codes that help streamline the quote process so you get the lowest price for coverage.

Knowing the South Dakota workers comp requirements can help lower the cost of coverage.

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South Dakota Work Comp Information

#1 Agency in South Dakota

At Workers Compensation Shop.com it is our goal to be the #1 agency in South Dakota for Workers' Comp Coverage. We partner with more than a dozen insurance providers who are eager to quote your policy. Because of this large network of providers we are confident we can find you the most complete coverage at the absolute lowest rates.

Give us a call today at 888-611-7467 or start a quote online. We've already helped thousands of Missouri Businesses find affordable workers' comp coverage.

Let Workers Compensation Shop.com help your business navigate workers' comp insurance in South Dakota.

Experienced Experts

From ownership rules, class code reviews, to managing audits & claims, we've got your business covered.

Fast Quotes

Our technology matches your business with insurance companies most likely to offer the best deals.

Strong Relationship

We leverage our experience and relationships to negotiate your lowest workers' comp rates.

More Options

No carrier quotes every class code. That's why we've built a diverse group of great insurance companies.

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 known as Part 2 of the policy. It adds two additional coverages for employers:

Employers Legal Liability and Legal Defense Costs

In today's 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 known as Stop Gap Coverage.

Workers' Comp Covers SD Employers from Injury Related Expenses & Lawsuits
Employers liability insurance is included under a workers' comp policy in most states.
  • Employers liability coverage is not included in all monopolistic states.
  • All NCCI and most other states' coverage includes employers liability 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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