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Protect Your Team and Your Business
Workers compensation provides essential protection when employees are injured on the job—covering medical care, lost wages, and rehabilitation costs. In South Carolina, it’s required once you employ four or more workers, but Advisors recommends carrying it earlier. Even one part-time or seasonal employee can create risk. With our guidance, you’ll have support not only in securing the right coverage but also in managing claims to reduce disruption to your business.
Coverage That Extends Beyond Compliance
Following the law is only part of the equation. Carrying workers compensation early demonstrates a commitment to your employees’ well-being, builds trust, and protects your business from lawsuits. Advisors helps you secure a policy that fits your workforce today and grows with your business tomorrow.
Mandatory Coverages
The core coverages needed to keep your business protected when you need it most.
Medical care for work-related injuries or illnesses
Wage replacement for employees unable to work during recovery.
Rehabilitation and retraining support when needed.
Employer liability protection against lawsuits from workplace injuries.
Optional Coverages
Additional elements of coverage policies that help ensure coverage is complete.
Employer’s liability coverage for expanded protection beyond state minimums.
Voluntary compensation coverage for employees not legally required to be covered.
Coverage extensions for multi-state operations where requirements differ.
You’ve got questions, we’ve got answers. For any additional questions you may have beyond these, schedule a chat with our team.
No. Independent contractors are not automatically covered under workers compensation.
By maintaining safe workplace practices and ensuring accurate payroll classifications you can take positive steps to lower premium costs.
Most coverage includes slips and falls in the office to repetitive stress injuries or even job-related illnesses caused by exposure to hazardous materials.
Insurance Pro Tips
Explore our expert advice on insurance and risk management.
Worker’s Comp or Occupational Accident coverage?
Is workers' comp or occupational accident coverage better for my business needs? Let the team at Advisors Insurance in Greenville, SC help today.
Paramount Outdoor Living
This family-based business handles every aspect of the job from planting to building the patio, deck, kitchen, and 99% of the job is done in-house.
Claims and How to Improve Your Business
We want to share information on how to improve your business and further protect it from both harm as well as explore processes to improve profitability and efficiencies.
