Workers' compensation insurance is required by law in South Carolina if you have four or more employees — and you may still be liable for damages with even one employee. PC&L Agency's dedicated workers' compensation division helps you navigate this complex coverage area.
In South Carolina, if you have 4 or more employees you must carry workers' compensation. However, you are responsible for damages if you have only 1 employee.
Medical Benefits
Covers medical treatment, rehabilitation, and ongoing care for employees injured on the job.
Lost Wage Replacement
Provides partial wage replacement to injured employees while they are unable to work.
Employer's Liability
Protects employers against lawsuits from injured employees beyond the standard workers' comp benefits.
Experience Mod Reviews
Our team reviews your experience modification factor to identify opportunities to reduce your premium.
Claims Analysis
We analyze your claims history to identify patterns and recommend risk management strategies.