If you have four or more employees, whether they are full-time or part-time, you must carry worker’s compensation insurance.  Contact the South Carolina Worker’s Compensation Commission at P.O. Box 1715 (1612 Marion Street), Columbia, SC  29202-1715 or (803) 737-5700 for further information.  You may wish to request their brochure, “Information for the Employer”.

If you subcontract work, you have two choices in addressing worker’s compensation.  You must either (1) maintain worker’s compensation insurance, or (2) hire only subcontractors who have worker’s compensation insurance.  If you choose to maintain worker’s compensation for your subcontractors, you may prorate a portion of your premium to each subcontractor.  If you choose to hire only subcontractors who have worker’s compensation, they must show their certificate of insurance so you may verify it is a current policy.