South Carolina Workers' Compensation

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Don't go another day risking liability for an incident at your business! Contact PolicySweet® today to get a free, no-obligation quote for Workers' Comp coverage based on your business needs. We can help get you insured in as little as 24 hours.


What Is Workers' Compensation Insurance?

Workers' Compensation coverage can help protect you - the employer - against liability for injuries sustained by employees while working on the job. It is commonly referred to as "Workers' Comp" and helps bridge the income gap for employees injured on the job while also helping to protect South Carolina business owners and their financial liquidity. Workers' Comp can provide coverage for medical expenses, lost wages, and other associated costs.

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Types of Workers' Compensation PolicySweet Provides

At PolicySweet, we have multiple coverage options for you to choose from. You can also tailor policies to fit your business needs. Our Workers' Comp coverage comes in two parts.

Workers' Compensation Insurance

This type of coverage includes medical expenses, lost wages, rehabilitation payments, and more. Statutory limits may apply.

Employer’s Liability Insurance

It is possible for an employer to have certain conditions covered under Workers’ Comp. If something were to happen on the job, the employer could technically still be liable to financially support the injured worker. However, employers' liability insurance is designed for this type of situation. Employer's liability insurance can help protect your legal liability related to employee work-related injuries or illnesses.

What Does Workers' Comp Cover?

Workers' Comp is a multi-pronged approach to help protect yourself from legal liability in a situation involving an injured employee. A Workers' Comp policy from PolicySweet can provide protection for associated short-term and long-term expenses.

Missed Wages

While your employees are out recovering from their injuries, they may still expect to be compensated if the employer is liable. Workers' Comp could cover missed wages for the duration of time they are out (statutory permitting).

Ongoing Support

Workers' Comp benefits can also extend to costs like physical therapy, medication, rehab services, and other expenses associated with helping employees rehabilitate from their injury.

Medical Expenses

There are a variety of possible medical expenses associated with Workers’ Compensation claims depending on the severity of the injury. Your Workers' Comp policy can provide coverage for medical expenses including ambulance rides, emergency room visits, surgeries, medications, hospital stays, and more.


In some cases, employees can become ill after a workplace incident. If there is a connection between the illness and the place of employment, your Workers' Comp insurance policy can extend coverage.


If a workplace incident leads to disability, Workers' Comp can step in to provide aid with ongoing medical expenses and lost wages. Statutory limits may apply.

Is There Anything Workers' Comp Does Not Cover?

Some situations are not covered by Workers' Comp. These can include injuries caused intentionally, injuries that happen outside the job site or place of employment, an employee that instigates violence in the workplace that leads to injury, employees who deliberately violate company safety protocols, and injuries sustained while an employee is under the influence of drugs or alcohol.

How Much Does Workers' Comp Cost?

There are multiple factors that can adjust the price of a Workers' Comp policy. We understand that each business has different needs, which is why we work to get to know your situation before providing a quote.

Previous Claims and Workplace Accident History

If your business has a long track record of Workers' Comp incidents, it could influence the cost of a Workers’ Comp policy when it comes to seeking coverage. Businesses with fewer incidents could have a policy with a lower premium. On the other side, businesses with frequent Workers' Comp claims might have a higher premium.

Class Codes and the Location of Your Business

South Carolina utilizes class codes for businesses. These classes carry different designations for workplace injury patterns and your premiums can fluctuate based on the class your business falls into. Our team can help you identify which class code you are in and could give you an idea of how this affects your premium. Contact us with any of your Workers' Comp questions!

Why Should I Choose PolicySweet for Workers' Comp in South Carolina?

Customizable Coverage

With PolicySweet, you can tailor your plan to work for your specific business. This includes payment plan options. You can choose a one-time payment, semi-annual payments, or 10 payments over the course of your policy.

Fast Quotes

We understand your time is important. This is why we provide quick quotes with the potential for coverage in as little as 24 hours.

Dedicated Customer Service

We have live agents available to answer any questions you may have. Our agents are available to help you with claims, inquiries, coverage additions, and more.

How Can I Get Workers' Comp Coverage?

Step One

Step 1: Contact Us

Reach out to PolicySweet via phone or online form fill to learn more about our Workers' Comp coverage. We will ask you a few questions about your business to determine the amount of coverage required to match your business needs.

step Two

Step 2: Receive a FREE Quote

After we learn about your business, we can provide a free, no-obligation quote. This quote includes coverage tailored to your business.

Step 3

Step 3: Accept and Be Enrolled in Workers' Comp Protection

If you accept the quote, you can be immediately covered for Workers' Comp claims in as little as 24 hours.

What Our Clients Are Saying

Get Your South Carolina Workers' Compensation Quote Today!

Contact us to take the first step towards helping to protect your employees and business with Workers' Comp coverage. We look forward to helping you and can answer any questions you might have.

Please Note: State-specific information is subject to change at any time. Always consult with your state’s official information and resources for the most accurate information.