Workers' Compensation Insurance | Smart Shield Insurance
Satisfy South Carolina state requirements and protect your workers against job site accidents with medical benefits and wage replacement.
Workers' Compensation Insurance
Workers' Compensation insurance is vital to protect both your workforce and your business from workplace accidents and injury claims.
In South Carolina, law mandates Workers Comp coverage when employing 4 or more workers (including contractors and relatives). This policy covers medical treatment, hospitalization, surgeries, and partial wage replacement.
Avoid costly state fines and job site delays. At Smart Shield Insurance, we compare rates among top carriers to deliver the best price available.
What does this policy cover?
100% Medical Expense Coverage
Covers emergency rooms, surgeries, doctor visits, and prescriptions for injured workers.
Partial Wage Replacement
Replaces up to two-thirds of weekly wages while the employee recovers under doctor orders.
Rehabilitation & Physical Therapy
Physical therapy treatments to help workers safely return to their duties.
SC State Legal Compliance
Satisfies South Carolina mandatory requirement for 4+ workers and prevents severe state fines.
Employer Liability Defense
Protects your business against direct injury lawsuits filed by employees.