South Carolina Workers Comp Class Codes & Rates

South Carolina Workers' Comp: SCWCC Requirements & 2026 NCCI Rates

South Carolina requires employers with 4 or more employees (including part-time) to carry workers' compensation insurance. Construction employers face stricter requirements — coverage is mandatory regardless of employee count for most construction operations. The South Carolina Workers' Compensation Commission (SCWCC) oversees compliance and can issue stop-work orders and civil penalties for uninsured employers.

South Carolina uses NCCI advisory loss costs as the basis for rates. These are the loss cost components only — each carrier applies a loss cost multiplier (LCM) to arrive at their filed rate. Your actual premium also depends on your experience modification factor (EMR), which reflects your company's claims history relative to similar businesses in SC.

SC sole proprietors and partners are automatically excluded from coverage but may elect to be included. Corporate officers are automatically included but may elect to be excluded. Subcontractors without their own coverage become the responsibility of the general contractor — always verify certificates before work begins.

Top South Carolina Class Codes