Workers’ Compensation Insurance In South Carolina

Workers’ compensation insurance in South Carolina provides coverage for injured workers who are unable to perform their jobs due to a work-related illness or injury. The insurance pays the worker’s medical expenses and a portion of lost wages while they are unable to work. It also provides death benefits to dependents of a worker who dies as a result of a work-related injury or illness.

In South Carolina, employers with four or more employees must have workers’ compensation insurance to cover their employees in the event of illness or injury. Employers must also comply with South Carolina’s statutes governing workers’ compensation insurance. These include requirements to file claims, provide medical benefits, and pay benefits to injured workers.

Workers' compensation rates for employers in South Carolina average $1.60 for every $100 of payroll covered. The actual cost depends on several factors, such as:

• Type of occupation: Some occupations, such as construction, are more hazardous and thus more expensive to insure. Others like office work are less expensive to insure.
• Number of claims: Filing multiple claims can increase the cost of workers’ compensation insurance as insurers need to be compensated for the amount of time and money spent investigating them.
• Experience modification rate: A business’s Experience Modification Rate (EMR) is a number assigned to employers by the National Council on Compensation Insurance. It is based on a company’s claims history and reflects the amount of workers’ compensation premiums the company pays.
• Number of employees: The more people employed by a business, the higher their workers’ compensation insurance premiums will be. However, the cost per person decreases with additional employees.
• Annual payroll: The higher the annual payroll, the more expensive it is to insure. This is because insurers need to be compensated for the amount of money they would have to pay out in benefits if an employee were injured.

It is important for employers in South Carolina to understand their workers’ compensation costs and obligations in order to be compliant with state laws and regulations. Furthermore, having adequate coverage can help protect businesses from financial losses due to workplace injuries.

At Southern Insurance Group, we are dedicated to providing our South Carolina customers with the best coverage possible. All of our workers' compensation policies provide comprehensive coverage that meets or exceeds all state requirements. Plus, we offer competitive rates and excellent customer service.

We understand that every business is unique, so we take the time to get to know your needs and customize a policy that meets them. Contact us today to learn more about our workers' compensation insurance policies in South Carolina.



We look forward to helping you protect your business!

The following groups of workers are excluded from the coverage of the labor law:

• Workers who have no fixed schedule and are only called in when required by the employer.
• Employers whose total payroll in the previous year was less than $3,000.
• Workers who are engaged in agricultural activities.
• Workers who are employed by a railroad or railway express company.
• Workers who sell agricultural products.
• Real estate agents who have a license and work under a broker.
• Employees of the federal government or the state government.

Some of these exclusions may not apply to all types of businesses, so it is important to understand the Workers' Compensation laws in South Carolina before assuming that an employee is exempt.

Workers’ compensation insurance covers a wide range of injuries, including those caused by repetitive motion, falls, lifting heavy objects, and automobile accidents. However, some injuries are not covered by workers’ compensation insurance. These include intentional acts by the employee, injuries caused by the employee’s own negligence, and injuries suffered while not on the job.

Southern Insurance Group offers a variety of workers’ compensation coverages to protect your business and employees, including:

• Medical expenses: Coverage of medical costs for treatment related to an employee’s work-related injury or illness.
• Lost wages: Payment for lost wages due to the inability to work caused by an injury or illness.
• Rehabilitation costs: Payment for any necessary medical care, services, and supplies needed to help injured employees return to work.
• Death benefits: Coverage of funeral expenses and lost wages paid to the family of a deceased employee due to a work-related death.
• Legal expenses: Payment of legal costs associated with defending or settling a claim filed against the employer.
• Disability benefits: Payment of a portion of the employee’s wages if they are unable to work due to a disability caused by an injury or illness.
• Repetitive motion: Coverage for costs related to conditions caused by repetitive motions, such as carpal tunnel syndrome.

The team at Southern Insurance Group is committed to helping our South Carolina customers find the best workers’ compensation insurance policy for their business. Contact us today to learn more about our policies and get a free quote. We look forward to

The South Carolina Workers’ Compensation Commission is the state agency that administers and enforces the workers' compensation laws in South Carolina. The Commission handles claims, resolves disputes between employers and employees, sets medical fees for injured workers, and provides education about the rights of covered parties.

The Commission also maintains records of all claims filed, makes sure employers are in compliance with the law, and ensures that injured workers get timely payments.



Seven board members, appointed by the Governor of South Carolina, oversee the Commission. The Commission is responsible for making sure workers' compensation laws are followed and providing information to employers and employees about rights and benefits under the law.

When determining which type of insurance is best for your business, it is important to understand the differences between workers’ compensation insurance and general liability insurance.

Workers’ compensation insurance provides coverage for medical expenses, lost wages, rehabilitation costs, death benefits, legal expenses, disability benefits, and repetitive motion injuries that occur on the job.

General liability insurance, on the other hand, does not cover workplace injuries and illnesses. It provides coverage for third-party claims such as bodily injury, property damage, and personal or advertising injury caused by a business’s operations, products, or services.

In summary, workers' compensation insurance is the best choice for businesses that employ workers, while general liability insurance covers claims made by third parties. Be sure to understand your business’s needs so you can make an informed decision when it comes to choosing the right type of insurance coverage.

Team health insurance, on the other hand, is intended to provide medical coverage for all employees of a business.

While workers’ compensation provides coverage for medical expenses related to workplace injuries, it does not cover medical costs associated with non-work related illnesses or injuries. Health insurance, however, provides coverage for all medical expenses regardless of whether the injury or illness is work-related or not.

Workers’ compensation insurance also covers death benefits and legal fees in the event of a work-related fatality. It does not provide any coverage for long-term illnesses or job-related disabilities. Team health insurance, however, typically does provide coverage for these types of issues.

Depending on your business’s needs, you may want to consider both types of insurance coverage for maximum protection.

Southern Insurance Group is a trusted commercial insurance agent in South Carolina. We work with multiple insurance companies to offer our clients competitive rates and coverage.

We understand how important it is to have the right type of workers’ compensation insurance in place, so we make sure that all of our clients get the best policy for their business at an affordable rate.

Contact us today for more information or to request a free quote. We look forward to helping you find the right type of insurance coverage for your business.