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Do you need workmens comp in South Carolina?

Updated: 8/17/2019
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14y ago

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According to my source, if you have 4 or more employees, SC requires that you carry Workers' Comp (WC.) If you're exempt, check with the state to determine how to exercise the exemption option. Often employers just fail to have coverage, but there may be more to the process. Note that an exemption from carrying insurance does not equal exemption from liability. You are liable if you only have 1 employee. And if you have none, you may still want to cover yourself. Consider: I personally think everyone should be covered by WC or an alternative, such as Occupational Accident or a self-insured plan. Even if you have health insurance, if you're injured on the job - even if it's in an auto accident on your way to the bank, if you're seriously injured and can't work for years, who will pay those health insurance premiums and lost wages? WC has lifetime medical for work-related injuries. Occupational Accident is available in most states, and you can customize it for yourself and for any executives, partners or others that may be eligible to be excluded - or for any employee who opts out (rare.) It can work alone or in conjunction with WC.

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Q: Do you need workmens comp in South Carolina?
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