South Carolina commercial insurance guide: the 4-employee workers' comp threshold, mandatory UM auto coverage, and policies for manufacturing and tourism.
State Guides | 7 min read | 2026-03-15
South Carolina presents a unique insurance landscape for business owners. Understanding its specific rules, like the 4-employee workers' compensation threshold and mandatory uninsured motorist coverage for commercial auto, is crucial for compliance and protecting your bottom line.
South Carolina stands out with its specific requirement for workers' compensation insurance. Unlike many states that mandate coverage starting with the first employee, businesses in the Palmetto State are only required to carry a policy once they regularly employ four or more people. This '4-employee threshold' can provide some initial flexibility for very small startups or sole proprietorships,…
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