How many employees are required for a business to need Worker’s Compensation Insurance in South Carolina?

In South Carolina, businesses are required to have Worker’s Compensation Insurance if they have four or more employees. This law is designed to ensure that workers are protected in the event of a workplace injury or illness. Worker’s Compensation provides medical benefits and wage loss compensation to employees who are injured on the job, thereby safeguarding both the workers and the employer from potential lawsuits.

Having four or more employees triggers the obligation to secure this type of insurance, which reflects the state's stance on promoting workplace safety and providing necessary protections for workers. This legal requirement is an essential aspect of operating a business, especially in industries associated with physical labor, where the risk of on-the-job injuries is higher.

The options indicating fewer than four employees would not meet the threshold for mandated insurance coverage, thus highlighting the importance of understanding the employer's responsibilities under state law.