Cover your South Carolina business in a few clicks.

Simple process. Affordable price. 70+ industries & growing.

South Carolina Businesses We Cover with Workers’ Comp Insurance

South Carolina Businesses We Cover with Workers' Comp Insurance

Food & Beverage

Bars, Bistros, Cafeterias/Buffets, Candy Stores, Caterers, Coffee Shops, Doughnut Shops, Fast Casual, Fast Food, Fine Dining, Health Supplement Stores, Juice Shops, Tea Houses, Taverns and Nightclubs

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Tech Services

Data Processing, Ecommerce, Hosting, Graphic Design, Network Installation/Repair, Office Machine Installation/Repair, Programming, Strategy & Management Consulting Services, and Software/Web Development (includes SOLOpreneuers!)

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Legal Services

Athlete/Actor/Entertainer Agents, Court Reporters, Lawyers & Attorneys at Law, Notaries and Transcription

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General Retail

Bakeries, Beer/Wine/Liquor Stores, Butcher/Meat Markets, Convenience Stores/Gas Stations, Discount Stores, Fish, Seafood, Fruit & Vegetable Markets, Grocery Stores, Laundromats, Pet Stores, Pharmacies/Drug Stores, Specialty Food Stores

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Educational Services

Computer Training, Cosmetology/Barber Schools, Exam Preparation/Tutoring, Fine Art Schools, Language Schools, Libraries/Archives, Management Training, Professional Training, & Translation/Interpretation Services

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Microbreweries (less than 15,000 barrels produced per year) & Wine Making (no growing or production of grapes/fruit)

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Personal Services

Barber Shops/Salons, Cemeteries/Mausoleums, Crematoriums, Funeral Homes, Interior Design, Pet Kennels/Groomers, Photography/Photofinishing, Gyms, Nail Salons, Self-Storage, Tanning Salons, Tattoo/Piercing, and Wedding/Event Planners

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Clothing Retail

Bridal Stores, Clothing Stores, Dry Cleaners, Formal Wear/Costume Rentals, Luggage & Leather Goods Stores, Shoe Retail/Repair, and Tailor Shops

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Personal Product Retail

Art Galleries/Stores, Auto Parts, Beauty/Cosmetics, Bike Stores, Bookstores, Camera/Photo Supplies, Cell Phone Retail/Repair, Computer Stores, Jewelry Stores, Musical Instruments, Sporting Goods , Tobacco/Vaping & Video Games

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Medical Professions

Blood Banks, Dental Labs, Dentists/Orthodontists, GP/Medical Specialists, Kidney Dialysis Centers, Medical Diagnostics & Testing, and Veterinarians

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Architecture & Engineering Services

Architects & Drafting, Engineering, Surveyors, & Window Treatment Stores (we do not cover construction contractors or trucking companies)

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Financial Services

Accounting, Auditors, Banks/Credit Unions, Bookkeeping, Collection Agencies, Financial Advisors/Trust Companies, Mortgage & Loan Brokers, Payroll Services, Tax Preparation, Title & Title Insurance

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Scientific Services

Scientific Research & Development/Consulting, Technical Consulting, & Environmental Consulting

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Office, Home, & Garden

Hearing Aid Stores, Hobby/Craft/Art Stores, Gift/Novelty Stores, Florists, Floor Covering Stores, Mailing/Packaging Stores, Models/Toy/Games, Office Supplies, Optical Stores, Paint/Wallpaper Stores, Perfume Stores, Plumbing & Taxidermists

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Therapeutic Services

Acupuncture, Chiropractors, Mental Health Practitioners, and Physical & Occupational Therapy

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Workers' Compensation for South Carolina Businesses

Worker’s comp insurance for the Palmetto State

If they’re not swimming, they’re shagging! Before you say “Yeah, baby!” we’ll stop you…shagging is a cross between the jitterbug and swing dancing, and residents of the Palmetto State learn the Carolina Shag practically before they can walk! Recession? What recession? While other states were losing jobs, South Carolina was growing!

In 2010, over 1,200 companies gained market share and brought on new employees in their top industries. There are about 100 aerospace-related companies here, mostly because of Boeing’s 787 Dreamliner assembly line. The 250 automotive plants, suppliers and other related companies make the state the third in the US for automotive industry economic impact. South Carolina’s dedication to biotechnology has earned 600 manufacturing, research and service companies with 13,000 jobs. Charleston is particularly blessed with 35 pharmaceutical and medical device manufacturers and 50 research and development companies.

It’s a port state, and in Charleston you’ll find a huge container yard. Where does your recycling go when it’s taken off the curb? South Carolina, where 500 companies and 37,000 people are involved in making something old new again. After a long day of fun at the beach or the low country marshes, South Carolinians set up under the Spanish moss draped trees for a blue crab boil and a nap in the hammock. It’s really just a reason to dig in on a pile of their world-famous hush puppies. And if it’s Independence Day, go big or go home. Fireworks are legal here, and these southerners pride themselves on private shows. Civil War tourists can see where the first shots were fired at Fort Sumter in Charleston Harbor, the Confederate Museum, antebellum estates, a Union soldier grave at the Secessionville Historic District and many more museums and landmarks. Filled with year-round gardens, great food and lots of community fun, festivals and a barbecue nearly every weekend, it’s no surprise that South Carolina is a great place for small businesses to thrive.

Like almost every state, workers’ comp coverage is mandatory in South Carolina. You’ll be happy to have it when your catering company’s diggers throw out their backs hauling in oysters or your gift shop worker gets jabbed by a kid thinking the Civil War-replica of General Beauregard’s saber wasn’t a real blade. It is.

Cerity workers’ comp insurance is worth the handful of minutes it takes to zip through the online application. Get covered and back to the South Carolina lifestyle with Cerity!

South Carolina Statistics*

*2017 business stats provided by the Bureau of Labor Statistics


number of South Carolina residents employed by small businesses


number of workplace injuries


tons of peaches produced annually


state and national parks


rooms in Myrtle Beach

Explore commonly asked questions about business type, industry and state.

To put it simply, your business is covered. Just like that.In most cases, all of your employees are covered by workers' compensation insurance, including subcontractors (given they provide you a Certificate of Insurance). However, a Certificate of Insurance (COI) isn't a guarantee of coverage (policy may have cancelled since issuance). You should request periodic COIs throughout the contract.
Workers' compensation insurance provides all state required benefits, including reasonable and necessary medical treatment and wage replacement, for employees injured in the course and scope of employment.
In most states, it’s required for small business owners to obtain workers’ compensation coverage. In the event that an employee is injured in the course and scope of your employment, workers' compensation insurance protects you from costly lawsuits and provides state required compensation for the employee, including lost wages and medical expenses.
The estimated premium is based on estimated payroll (at the beginning of the policy). The final premium is based on actual payroll (at the end of the policy) for the policy period (usually 12 months). In the event your payroll changes, we'll work with you on adjusting your policy.
Yes, the workers' compensation policy covers all of your employees. Significant changes to your payroll should be reported to Cerity. This will help mitigate having a large additional premium due at the end of your policy period.
Cerity is a data-services company that is a licensed insurance producer that provides comprehensive workers' compensation insurance for American businesses. In less than five minutes, a small business owner can have a quote and can be protected as soon as the next day. In other words, your business is covered. Just like that. We are backed by Employers Holdings, Inc., a workers' comp industry veteran of over 100 years, EHI is reimagining how to purchase workers compensation insurance.
You do not need any documents to apply - we told you it was simple! All you need to obtain a quote is tell us a few quick things about your business and we should be able to get you a quote.