Employers in South Dakota are not required by law to carry workers’ compensation insurance, but coverage is highly recommended. This policy covers medical bills for work injuries and illnesses.
All business-owned vehicles in South Dakota must be covered by commercial auto insurance. Though it's not required, personal vehicles driven for work purposes should be covered by hired and non-owned auto insurance, as personal auto policies usually exclude business use. It can be added to general liability insurance or a business owner's policy.
South Dakota's commercial auto insurance requirements are: