South Carolina Workers Comp Class Codes & Rates
South Carolina workers' compensation insurance is regulated by the South Carolina Workers' Compensation Commission (SCWCC). South Carolina uses NCCI advisory loss costs as the basis for rates. Most employers with four or more employees are required to carry workers' compensation insurance.
Rating Org
NCCI
Effective
2026-01-01
Avg Rate
$1.85
Codes Listed
40+
South Carolina requires employers with four or more employees (including part-time) to carry workers' compensation insurance. Construction employers face stricter requirements. Rates shown are NCCI 2026 advisory loss costs per $100 of payroll. Actual carrier rates include expense loading and vary by insurer.
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
| Code | Trade | Rate/$100 |
|---|---|---|
| 5551 | Roofing — All Kinds & Drivers | $7.45 |
| 5645 | Carpentry — Residential Dwellings | $6.23 |
| 5403 | Carpentry NOC | $4.12 |
| 5190 | Electrical Wiring Within Building | $3.12 |
| 5183 | Plumbing NOC & Drivers | $3.45 |
| 5537 | HVAC & Refrigeration | $3.56 |
| 8810 | Clerical Office Employees NOC | $0.18 |
| 8742 | Salespersons — Outside | $0.45 |
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