South Carolina


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South Carolina Workers Comp Info

State Exemption available?  NO

South Carolina requires workers compensation coverage if you have 4 or more “regular” employees.  That includes PT or FT casual laborers and owners/officers of a corporation. Sole Proprietors DO NOT count as employees, but can still choose to be covered.  Officers/Owners of a corporation do count as employees- even if they choose not to cover themselves.  In other words, a corporation with 2 owners and 2 employees must carry workers comp.  Subcontractors don’t count as employees AS LONG AS they meet some or all of the following:

  1. separate business entity
  2. have their own insurance
  3. can choose when to come to work
  4. provide their own tools/transportation.

If any of these items do not apply, the state may consider them to be employees for workers comp purposes regardless of whether you give them a 1099. Your subcontractors employees and their subcontractors are also your responsibility if your subcontractor does not have insurance

When calculating your South Carolina Workers Comp Quotes, keep in mind the following amounts if you choose to include any owners/officers in the coverage.  Even if owners don’t draw a paycheck, these are the payroll amounts that will be counted for each owner who wants coverage.

-$39,800 for Sole Proprietors, Member, and Partners

-$20,800 Minimum and $161,200 Maximum for Officers