If you run a business in Greenville, SC, workers compensation insurance is likely required by law. South Carolina Code Section 42-1-360 requires most employers with four or more employees to carry workers comp coverage. Whether you operate a restaurant on Main Street, a construction company near Woodruff Road, or a medical practice in the Verdae area, this guide covers the key questions Greenville employers ask about workers comp.
Any business in South Carolina with four or more employees must carry workers compensation insurance. This includes construction companies, restaurants, retail stores, healthcare practices, and professional service firms throughout Greenville County. Sole proprietors and partners can elect coverage voluntarily. Corporate officers are automatically included but may opt out. Agricultural employers and certain real estate agents have different thresholds under state law.
Workers comp pays for medical expenses and lost wages when an employee gets hurt on the job. In South Carolina, covered benefits include doctor visits, hospital stays, prescriptions, physical therapy, and disability payments. The policy also protects employers from lawsuits related to workplace injuries. Claims are handled through the South Carolina Workers Compensation Commission.