Most employers understand the importance of workers’ compensation insurance. This legally required coverage protects you financially by supporting your employees if they fall ill or get injured at work, leaving them unable to earn income and facing costly medical bills. Workers’ compensation also shields you from lawsuits, providing an additional layer of protection. But what level of protection does workers’ compensation offer in South Carolina? Here’s what you need to know before shopping for workers’ compensation insurance in South Carolina. If you don’t have workers’ compensation yet, you can get started with us at Wil Plyler Insurance Agency in Rock Hill, SC.

How Much Protection Does Workers’ Compensation Provide?

Workers’ compensation in South Carolina offers significant protection, including shielding you from most lawsuits. Employees cannot sue you beyond the coverage provided by workers’ compensation, giving you peace of mind that your policy will safeguard you. However, it’s important to note that South Carolina’s workers’ compensation protections are not as comprehensive as those in some other states.

For example, while workers’ compensation in many states protects employers from all lawsuits except those involving intentional harm, South Carolina allows employees to sue for gross negligence. If your failure to address a workplace hazard leads to an employee’s injury or illness, they may be able to seek additional damages. While workers’ compensation is essential, it’s equally important to follow workplace safety laws and take proactive steps to protect your employees from potential injuries.

Protect Yourself and Your Employees with Wil Plyler Insurance Agency

At Wil Plyler Insurance Agency in Rock Hill, SC, we can help you find workers’ compensation insurance that protects both you and your employees. Compare quotes with us today to get started!