Did you know that South Carolina employers without required workers compensation coverage can be fined $100 per day for each uninsured employee? For a business with just 10 employees, that adds up to $365,000 per year before factoring in direct liability for any workplace injuries. Workers compensation is one of the most important and most misunderstood insurance requirements for South Carolina business owners. At Citadel Insurance Group, we help Spartanburg businesses get the right coverage, stay compliant, and protect the people who keep their operations running.
| Requirement | Detail |
| Employee Threshold | Required for businesses with 4 or more employees |
| Who Counts as an Employee | Full-time, part-time, seasonal, and family members on payroll |
| Penalty for Non-Compliance | $100 per day per employee; stop-work orders; personal liability |
| Max Weekly Benefit (2026) | $1,189.94 per week for injured workers |
A workers compensation policy protects both your employees and your business when a workplace injury or illness occurs. Coverage typically includes:
Not every business is required to carry workers compensation. South Carolina exempts the following from mandatory coverage:
Even if your business qualifies for an exemption, voluntary coverage may still be worth considering. If an uninsured worker is injured, you may face direct civil liability with no cap on damages.
Contact our Spartanburg team today to review your workers compensation requirements, or explore our full range of commercial insurance options for Upstate South Carolina businesses.
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