Running a business comes with risks — and protecting your employees is one of the smartest investments you can make. Workers’ Compensation Insurance helps cover medical bills, lost wages, and rehabilitation costs if an employee gets hurt or sick while performing job-related duties.
Even a small accident can turn into a big financial burden. With the right coverage, your business stays protected — and your employees get the care they deserve.
What Workers’ Compensation Covers
Workers’ Compensation Insurance (often called Workers’ Comp) provides benefits such as:
- Medical expenses for work-related injuries or illnesses
- Lost wages if an employee can’t work while recovering
- Rehabilitation costs for ongoing care or therapy
- Death benefits for families in the unfortunate event of a fatal accident
It not only supports your employees but also shields your business from lawsuits and financial losses that could follow a workplace incident.
Why It’s Required
Most states — including South Carolina, North Carolina, and Georgia — require Workers’ Compensation coverage once you hire a certain number of employees.
Even if it’s not mandatory for your specific business, it’s still a smart safety net that protects both you and your team from unexpected costs.
Who Needs Workers’ Compensation Insurance
You need Workers’ Comp if you:
- Have employees or part-time workers
- Use contractors or subcontractors (some states require coverage for them too)
- Operate in construction, landscaping, trucking, or service industries
- Want to ensure compliance and protect your business reputation
Even small businesses and sole proprietors often choose coverage voluntarily — because one injury could easily cost thousands in medical bills and lost time.
Benefits for Business Owners
Workers’ Comp helps you:
- Stay compliant with state laws
- Avoid employee lawsuits
- Improve workplace safety culture
- Build trust with employees and contractors
- Maintain productivity after an accident
It’s one of the most important forms of business protection you can have.
Protect Your Team. Protect Your Business.
At Upstate’s Choice Insurance, we specialize in affordable Workers’ Compensation Insurance for businesses in South Carolina, North Carolina, and Georgia.
Our independent agents compare rates from top carriers — helping you meet state requirements and save money.
🛠️ Get the protection your business deserves — request a Workers’ Comp quote today!
📍 www.upstateschoice.com