Workers Compensation

Legally required workers compensation coverage that protects your employees and your business from workplace injury costs.

South Carolina law requires workers compensation coverage for businesses with four or more employees, and the penalties for non-compliance are severe. Harbor Point Insurance places workers comp policies with carriers who specialize in the industries common to the Charleston area, including construction, hospitality, healthcare, and marine services. We help you classify your employees correctly, manage your experience modification rate, and implement return-to-work programs that control long-term costs. Our agents review your payroll projections and audit history to ensure your premiums are accurate and your coverage is compliant with state requirements.

What's Included

SC compliance guaranteed
Industry-specific classification
Experience mod management
Return-to-work program support

Workers Compensation Service Areas

We provide workers compensation services across the Charleston area and Lowcountry.

Frequently Asked Questions

Does my small business need workers compensation in South Carolina?

If you have four or more employees, workers compensation coverage is required by South Carolina law. Even with fewer employees, carrying coverage protects your business from costly workplace injury lawsuits. Sole proprietors and partners can elect to be excluded.

How are workers compensation premiums calculated?

Premiums are based on your industry classification code, total payroll, and your experience modification rate, which reflects your claims history. Businesses with fewer claims pay lower rates over time.