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Workers’ Compensation: What Your South Carolina Business Needs to Do to Be Protected

July 21st, 2017

There were approximately 2.9 million non-fatal workplace injuries and illnesses reported by private industry employers in 2015 alone.

What does this mean for you?

It’s simple. You need workers’ compensation insurance, whether you’re starting a new business or hiring your first employees. This provides both you and your employees with protection.

For your employees: It helps those injured on the job or who experience an occupational-related disease access the financial assistance needed for proper medical care and rehabilitation, as well as paid time off from work.

For you: If an injury or illness does occur, this insurance covers the medical treatment, disability and death benefits associated with it. And it’s not just for employers in higher risk industries, such as construction. Even if your employees are performing office work, they’re still at risk for diseases, such as carpal tunnel, as well as slips, trips and falls on the job.

Why is Workers’ Compensation Necessary?

Without the protection of workers’ compensation insurance, you could get sued and wipe out the business you’ve worked so hard to build. Rather, workers’ compensation is designed to keep companies out of the courtroom, while still bearing the cost of injuries and illnesses related to the job.

The specific rules and requirements for workers’ compensation vary from state to state. In South Carolina, for instance, according to the South Carolina Workers’ Compensation Commission, the rule of thumb is this:

“Any employer who regularly employs four or more full- or part-time workers is required to have workers’ compensation insurance. There are some exceptions, including agricultural employees, railroads, and railway express companies and their employees, as well as employers who had a total annual payroll during the previous year of less than $3,000. Also exempt are textile hall corporations and certain commission paid real estate agents.”

How Can You Lower Costs?

While workers’ compensation is a requirement for most employers – it’s also a major expense. That’s why it’s so important to protect your business and profits by striving to keep these insurance costs low. You can do this by:

  • Putting safety first. Make sure you have a safety program in place and regularly update it. Enforce rules, train new employees on safety protocol, hold regular safety meetings and encourage employees to come to you with questions, concerns and ideas related to improving safety. For more tips on boosting workplace safety, read this recent post.
  • Take action in the case of a claim. When an accident happens, complete an accident report with as much detail as possible. Take photographs and interview any eye witnesses. Also, contact your insurance provider within 24 hours.
  • Know the signs of fraud. It’s unfortunate, but true that some employees will try to take advantage of you through various forms of workers’ compensation fraud. That’s why it pays to fully investigate every claim.

Whether your business is large or small, you’ll go to great lengths to protect it. Don’t let a lack of workers’ compensation insurance sabotage all your hard work. Make sure you have enough coverage – then give True Group a call.

As Columbia, SC’s recruitment firm of choice, we have a Safety & Loss Control Systems Consultant on staff who can work with you to improve safety at your workplace, so you can lower workers’ compensation costs in the process. Keep your company, your people and your profits protected by contacting us today to learn more.

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