Workers Compensation Insurance in South Carolina (SC)

Small Business Coverage and Peace of Mind

From the wide sandy beaches of the Atlantic coast and Sea Islands, to the stunning peaks of the Blue Ridge Mountains, South Carolina has been a key state in the southeast since the founding of America since it was one of the original 13 colonies. Also known as the Palmetto State, the South Carolina economy is boosted by thriving textile and agricultural industries. Columbia, the state capital, is home to the University of South Carolina which is renowned for its international business programs.

There are more than 82,000 small businesses in South Carolina which are the cornerstone of South Carolina’s economy, accounting for a substantial share of commercial activity.1 Since 1935, all firms with more than three employees have been required to carry workers’ compensation insurance in South Carolina. The leading independent businesses purchasing workers’ compensation insurance in South Carolina are restaurants and hotels, colleges, grocery stores, physicians, printers, hardware stores, auto body repair shops, and metal-stamped goods manufacturers.

How Does Workers’ Compensation Work in South Carolina?

There are several basic objectives regarding the state’s workers’ compensation laws. Primarily, the laws aim to provide prompt and reasonable wage replacement income and medical benefits to those injured in work-related accidents, regardless of fault. Workers’ compensation insurance provides a single solution, which means the injured employee forfeits the right to sue the employer for on the job injuries, thereby protecting the employer from costly lawsuits from injury claims. Workers’ compensation insurance reduces court costs and judicial workloads related to personal injury litigation, and encourages employers to enact safety programs.2

Get Workers’ compensation Insurance in South Carolina

EMPLOYERS is America’s Workers’ Comp Specialist®, and it provides South Carolina-based businesses with workers’ compensation insurance that is cost-effective and affordable. The value added services that EMPLOYERS offers its policyholders include Loss Control Services, Anti-Fraud Programs, and Managed Care Services.

South Carolina Workmans’ Comp Coverage You Need

Interested in learning more about how EMPLOYERS can help your South Carolina business? Request a quote for workers’ compensation insurance from EMPLOYERS!

Thousands of small businesses trust EMPLOYERS for providing cost-effective workers’ compensation insurance for over a century. With our competitive pricing, financial stability and dependability, claims service, safety training and risk advisory programs, EMPLOYERS remains focused on keeping America’s small businesses not only working, but working safely.

1. “Small Business Profile, South Carolina” SBA Office of Advocacy, February 2011,

2. “Workers’ Compensation in South Carolina,” State of South Carolina, 2011,