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Workers’ Compensation Insurance in South Carolina

Employees are the backbone of any business, and workplace injuries can happen unexpectedly. Workers’ compensation insurance provides essential coverage for medical expenses, lost wages, and rehabilitation costs if an employee is injured on the job.


At Hutson-Etherredge Companies, we help South Carolina businesses secure workers’ compensation insurance that meets state requirements and protects both employers and employees. Whether you run a small business or a large company, we’ll help you find affordable, compliant coverage for your industry.

What Does Workers’ Compensation Insurance Cover? 

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Medical Expenses

Covers doctor visits, hospital stays, surgeries, and rehabilitation for work-related injuries and illnesses.

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Lost Wages

Provides partial wage replacement if an employee is unable to work due to a job-related injury.

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Disability Benefits

Offers financial assistance for employees who suffer temporary or permanent disabilities as a result of workplace injuries.

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Workplace Fatality Benefits

Provides death benefits and funeral cost assistance for families of employees who suffer fatal injuries on the job.

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Legal Protection for Employers

Helps cover legal fees and settlements if an injured employee files a lawsuit against the company.

Why Your Business Needs Workers’ Compensation Insurance

State Law Compliance

South Carolina requires businesses with four or more employees to carry workers’ compensation insurance.

Employee Protection

Covers medical expenses and wage support for injured workers, reducing their financial strain.

Lawsuit Prevention

Protects employers from costly liability claims and legal disputes related to workplace injuries.

Common Questions About Workers’ Compensation Insurance in South Carolina

  • Is workers’ compensation insurance required in South Carolina?

    Yes, South Carolina law requires businesses with four or more employees to carry workers’ compensation coverage. Rare exceptions apply for certain industries and independent contractors.

  • What types of injuries are covered?

    Workers’ comp covers injuries that occur while performing job duties, including slips, falls, repetitive stress injuries, and occupational illnesses.

  • Can my business be fined for not having workers' compensation insurance?

    Yes. Employers who fail to carry required coverage may face penalties, lawsuits, and state-imposed fines.

Get a Free Workers’ Compensation Insurance Quote

Protect your employees and your business with affordable workers’ compensation insurance from Hutson-Etherredge Companies. We’ll help you find a policy that meets legal requirements and protects your employees.


Call us today at  803-649-5141 or click below to request a free quote  online.