There are many ways in which someone may be “required” to carry Workers’ Compensation Insurance in South Carolina.

There are several types of requirements:

1. Statutory = Any employer in South Carolina who regularly employs 4 or more employees is required to carry Workers Compensation Insurance
2. Contractual = Someone contracts you to complete sub-contracted work and requires you to carry Workers Compensation Insurance as part of the contract
3. Protection = You may not be required either statutorily or contractually. However, you/your business could be held liable for the injuries of an employee

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The only good “Rule of Thumb” is that if you employ people; carry Workers’ Compensation Insurance on them. If you sub-contract labor, make sure that either you carry a policy covering them OR verify that they cover themselves under a policy in their name.

Lamplighter Insurance has a friendly and innovative approach to help your business navigate the Workers’ Compensation Insurance System.

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