When looking for work in South Carolina, it's important to know that you might not be covered under South Carolina Workers' Compensation insurance in some jobs. Workplace injuries can be serious and may change your life forever. That means Workers' Comp insurance may be more important than you realize when you start looking for a new position.
Most employers are required to participate in the South Carolina Workers' Comp system - but some are exempt. Here are some types of employers who may not abide by Workers' Comp requirements.
Under South Carolina law , any employer who has four or fewer full-time or part-time employees is not required participate in South Carolina Workers' Compensation.
Any company that has payroll expenses of $3,000 or less in a year is also exempt, regardless of how many employees the business has.
Certain commission-based businesses, particularly real estate agencies, can also be exempt from South Carolina Workers' Compensation.
Workers who are not employees, but who are contracted to do work with a company (such as subcontractors on construction sites) can also be exempt, as they are not technically employees.
Railroads and Farms
There are also certain exemptions for railroad railway express and agricultural businesses.
If you're not sure whether you're covered, don't hesitate to ask.
While many of these types of businesses do not have to participate in the South Carolina Workers' Compensation program, they can choose to participate. So, ask potential employers if they offer Workers' Comp benefits.
If you're hurt...
If you have been injured on the job in South Carolina and your employer does not have Workers' Comp coverage, contact the experienced legal team at George Sink, P.A. Injury Lawyers right away. Most businesses are required to have coverage, and you could have grounds for a more serious personal injury lawsuit if your employer is breaking the law.