Who is covered by the South Carolina Workers’ Compensation Act?
Every South Carolina employer and employee, with certain exceptions, is presumed to be covered by the State’s Workers’ Compensation Act. Exceptions to this provision include railroad and railway express companies and employees, certain casual employees, Federal employees in South Carolina, businesses with less than four employees, agricultural employees, and certain real estate salespersons, and, by election, corporate officers. Employers covered by the provisions of the Act are required to maintain insurance sufficient for the payment of compensation, or they shall furnish the Workers Compensation Commission satisfactory proof of their ability to pay the compensation in the amount and manner due an injured employee. The Director of the South Carolina Department of Insurance is responsible for approving rates and classifications for all workers’ compensation insurers.
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