Workers’ compensation insurance in South Carolina for caring, compliant employers

Coverage & Requirements

Care for injured employees—and protect your business
Workers’ compensation pays medical care and a portion of lost wages for job-related injuries and illnesses. In South Carolina, most employers with several regular employees must carry coverage. The Sullivan Agency helps Greenville and Upstate businesses—from cafés near Falls Park to contractors in Powdersville—set up policies, file forms, and issue certificates quickly. If you’re unsure how this differs from general liability insurance, we’ll clarify where each coverage applies.

What It Covers

Medical, wage replacement, and benefits

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Medical expenses

doctor visits, surgery, rehab, prescriptions

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Wage replacement

a percentage of income while the employee can’t work

Black and white symbol of a person in a wheelchair, indicating accessibility.
Disability benefits

for permanent impairment when applicable

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Death benefits

support for dependents and funeral costs

Pricing & Prevention

Class codes, payroll, and safety

Premiums are based on payroll and job classifications. Accurate coding matters—roofers differ from office staff. We’ll review your setup, discuss return-to-work plans, and share practical safety steps that can improve your experience modifier over time. If employees drive for work, coordinate with commercial auto insurance for on-the-road exposures.

Common questions from SC employers

  • Do part-time employees count?

    Often yes. If they’re regular employees, they typically count toward requirements. Ask us to assess your situation.

  • Are owners required to be covered?

    Many owners can elect to include or exclude themselves. We’ll review your entity type and risk.

  • Does workers’ comp cover commuting?

    Generally no. Coverage applies to work-related activities; specifics depend on the facts of a claim.