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Workers Compensation Insurance

Workers comp insurance for South Carolina and Georgia employers. Protect your employees and your business from workplace injury costs. Required by law for most employers. Total Quality Insurance compares 30+ carriers to find affordable coverage that meets all state requirements.

SC vs. GA Workers Comp Requirements

State requirements differ. Here's what you need to know:

South Carolina

  • Required for 4+ employees
  • Includes full-time, part-time, seasonal
  • Sole proprietors can opt out
  • Penalties: up to $100/day for non-compliance
  • SC Workers Compensation Commission oversees claims
  • Benefits: 66.67% of average weekly wage

Georgia

  • Required for 3+ employees
  • Officers/LLC members count but can exempt
  • Subcontractors without coverage count as your employees
  • Penalties: up to $10,000 + criminal charges
  • State Board of Workers Compensation manages claims
  • Benefits: 66.67% of average weekly wage (max $725/week)

What Workers Comp Covers

Medical expenses — doctor visits, surgery, prescriptions, hospital stays
Lost wages — typically 66.67% of average weekly wage during recovery
Rehabilitation — physical therapy and vocational rehabilitation
Temporary disability — while employee recovers from injury
Permanent disability — for lasting impairments from workplace injuries
Death benefits — wage replacement and funeral expenses for surviving family
Legal defense — protects you from employee lawsuits over workplace injuries

Workers Comp FAQ

Protect Your Employees & Your Business

Stay compliant and covered. Compare workers comp from 30+ carriers.