South Carolina Workers Comp Class Codes — 2026 NCCI Rates
South Carolina Workers Compensation | NCCI Advisory Rates | Bright Coast Insurance
About South Carolina Workers' Compensation
South Carolina workers' compensation insurance is regulated by the South Carolina Department of Insurance. NCCI provides advisory loss costs and statistical services for the state. Rates in South Carolina are approximately 6% above the national average.
Coverage Requirements in South Carolina
South Carolina requires all employers with 4 or more employees to carry workers' compensation insurance. Employers in the construction industry should note that subcontractors without their own coverage may be treated as employees of the general contractor.
Average Rate & Top Construction Class Codes
The average workers' comp rate in South Carolina is approximately $1.62 per $100 of payroll. Construction trades carry higher rates due to elevated injury risk. Below are the most common construction class codes:
| Code | Description | Rate |
|---|---|---|
| 5551 | Roofing - All Kinds | $6.00/$100 |
| 5645 | Carpentry - Detached Dwellings | $6.80/$100 |
| 5022 | Masonry NOC | $4.70/$100 |
| 5190 | Electrical Wiring - Buildings | $2.90/$100 |
| 5183 | Plumbing - All Operations | $2.70/$100 |
How to Calculate Your Premium in South Carolina
Your annual workers' comp premium is calculated as: (Total Annual Payroll ÷ 100) × Class Code Rate × Experience Modification Rate (EMR). New businesses typically start with an EMR of 1.0. A drug-free workplace program can reduce your rate by up to 5% in most states.
Get a Workers' Comp Quote in South Carolina
Bright Coast Insurance provides workers' compensation quotes for businesses in South Carolina and across the country. Call or text (239) 323-0785 or request a free quote online. Same-day certificates of insurance available for qualifying accounts.