Employers in South Carolina with four or more regular full-time or part-time employees are required to carry Workers' Compensation Insurance. South Carolina works with a broad definition of employees: adults, minors, and seasonal workers are covered under state law.
SC Workers' Comp: Key Details
- Sole proprietors, partners, and LLC members in South Carolina are not automatically included in Workers' Comp coverage, but may elect to cover themselves with their policy.
- If a subcontractor doesn't carry Workers' Compensation Insurance, the owner or the principal contractor would be liable for the injuries that happen to the subcontractor's employees.
- Some exceptions to compulsory coverage include…
- Agricultural employees.
- Railroad and railway express companies and their employees.
- Employers who had a total annual payroll during the previous year of less than $3,000, regardless of the number of workers employed during that period.
- Textile Hall Corporation.
- Certain commission-paid real estate agents.
- Coverage must be purchased through a private insurer. Businesses that qualify are permitted to self-insure.
Get a better idea of how South Carolina's Workers' Compensation laws affect your business from the South Carolina Workers' Compensation Commission.