Workers' Compensation Requirements in South Carolina (2026)
Published on January 15, 2026 by Smart Shield Insurance
When is Workers' Comp Mandatory in South Carolina? (2026 Guide)
In South Carolina, labor regulations state that any business regularly employing 4 or more workers (including part-time employees, corporate officers, and certain subcontractors) must carry active Workers' Compensation insurance.
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What does Workers' Compensation cover?
- Medical Expenses: Emergency room visits, surgeries, prescriptions, and physical rehab.
- Wage Replacement: Roughly two-thirds (66.6%) of average weekly earnings during disability.
- Disability & Death Benefits: Compensation for permanent impairment or family survivor support.
Penalties for Operating Without Workers' Comp in SC
Operating without required coverage is a misdemeanor in SC, punishable by steep daily fines, direct civil liability for injured worker damages, or immediate stop-work orders issued by the SC Workers' Compensation Commission.
Official Sources & Regulatory Guidelines:
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