Workers' comp in South Carolina.
South Carolina requires workers' comp from 4 employees, with conditions. Class codes follow NCCI's manual, with South Carolina's exceptions. You buy coverage from carriers.
- REQUIRED
- From 4 employees, with conditions
- RATING BUREAU
- NCCI
- CLASS CODES
- NCCI codes
- BUY FROM
- Carriers
Required from 4 employees, with conditions.
The rule
South Carolina requires workers' comp from 4 employees. South Carolina's rule: regularly employed in the same business within SC; also exempt if total payroll in the previous calendar year was under $3,000. Only employees in South Carolina count toward it.
Source: S.C. Code Title 42, Chapter 1, §§42-1-150 and 42-1-360, checked October 5, 2026.
Coverage rules: South Carolina Workers' Compensation Commission, Employer FAQs, read from an archived copy dated May 21, 2026.
Class codes follow NCCI's manual, with South Carolina's exceptions.
Rating bureau
NCCI is South Carolina's rating organization.
Class system
NCCI's codes, with South Carolina's exceptions.
Codes on our pages
Not confirmed for South Carolina: NCCI states use NCCI's codes with their own exceptions. An advisor confirms your class codes.
List: NCCI State Map: NCCI, independent bureau and monopolistic states, read from an archived copy dated September 29, 2026; not confirmed for the codes on our pages.
Your payroll, your rate, before discounts and assessments.
Your rate comes from carriers that actively write the class.
Worklio Insurance bills pay-as-you-go comp with each payroll, no deposit; the audit usually confirms what you've already paid.
COMMON QUESTIONS
- Do I need workers' comp in South Carolina?
- Yes. South Carolina requires workers' comp from 4 employees. South Carolina's rule: regularly employed in the same business within SC; also exempt if total payroll in the previous calendar year was under $3,000. Only employees in South Carolina count toward it.
- Who sets class codes in South Carolina?
- NCCI, as South Carolina's rating organization. Class codes follow NCCI's manual, with South Carolina's exceptions. An advisor confirms your class codes.
- Is Worklio Insurance licensed in South Carolina?
- Worklio Insurance Services LLC's producer is licensed in South Carolina, and the agency license there has been applied for. See insurance licenses
SOURCES
- S.C. Code Title 42, Chapter 1, §§42-1-150 and 42-1-360Who must carry it, checked October 5, 2026.
- NCCI State Map: NCCI, independent bureau and monopolistic statesRating bureau, class system, class codes (not confirmed), read from an archived copy dated September 29, 2026.
- South Carolina Workers' Compensation Commission, Employer FAQsCoverage rules, read from an archived copy dated May 21, 2026.
Figures as of May 21, 2026.
For planning, not a quote or a classification ruling. An advisor confirms your class codes with your carrier.