Skip to main content
All Licensed States
SC — Licensed & ActiveUpdated Mar 2026

Commercial Insurance in South Carolina.

Protecting Palmetto State businesses from the mountains to the coast.

Start HereNo fees. Licensed in all 50 states.

From the bustling manufacturing hubs of the Upstate to the thriving tourism centers of Charleston and Myrtle Beach, South Carolina's economy is diverse and dynamic. RISKX provides tailored commercial insurance solutions, including robust workers' compensation and property coverage, to protect your business from the unique risks of operating in the Palmetto State.

Key Industries in South Carolina

ManufacturingTourism & HospitalityAerospace & AviationAgribusinessHealthcareTransportation & Logistics

Workers' Compensation in South Carolina: Required

South Carolina law requires any employer with four or more employees, full-time or part-time, to carry workers' compensation insurance. The state's insurance market is competitive, meaning coverage can be secured through private insurers.

South Carolina Regulatory Notes

Workers' compensation is mandatory for most employers with four or more employees.

South Carolina's coastline is highly susceptible to hurricanes, making specialized wind and hail coverage essential for commercial properties.

The state has specific regulations for commercial auto insurance, particularly for trucking and logistics companies.

Businesses in the hospitality sector, especially those serving alcohol, face specific liability requirements under state law.

Workers' Comp Rate Details — South Carolina

Index Rate
$1.03
per $100 payroll
National Rank
#29
of 51 jurisdictions
vs. Median
6%
below national median
Required At
4+ employees
Average Cost State
  • •Required for employers with 4 or more employees
  • •Agricultural employers are generally exempt

Penalty for non-compliance: Misdemeanor; fines up to $1,000 per day; up to 30 days imprisonment

Rate data: Oregon DCBS 2024 Premium Rate Ranking Study. Index rates represent the median rate per $100 of payroll across all classification codes.

Auto Insurance Minimums — South Carolina

Min. BI Liability
25/50
per person/accident ($K)
Min. Property Damage
$25,000
PIP Required
No
No-Fault State
No
  • •UM coverage required (25/50)

Regulatory Overview — South Carolina

Key Facts

  • •WC rates are near the national median
  • •WC threshold is 4+ employees
  • •UM auto coverage is mandatory
  • •Growing manufacturing and tourism economy
Compare all 50 states

South Carolina Insurance FAQ

Ready to Get Started in South Carolina?

Text risk|x directly. No forms, no portals, no hold music.

Start in 30 Seconds

Free Download

Free: Workers' Comp State Requirements Checklist

Is your state compliant? · 6 pages