South Carolina Home and Garden Retailer businesses pay $59–$245/month.
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| Location | Est. Monthly Rate | Get Quote |
|---|---|---|
| Columbia | $62–$257/mo | Compare → |
| Charleston | $68–$282/mo | Compare → |
| North Charleston | $64–$265/mo | Compare → |
| Mount Pleasant | $71–$294/mo | Compare → |
| Rock Hill | $59–$245/mo | Compare → |
| Greenville | $62–$257/mo | Compare → |
| Summerville | $62–$257/mo | Compare → |
| Goose Creek | $62–$257/mo | Compare → |
| Hilton Head Island | $74–$306/mo | Compare → |
| Florence | $56–$233/mo | Compare → |
| Greenville County | $62–$257/mo | Compare → |
| Richland County | $62–$257/mo | Compare → |
| Charleston County | $68–$282/mo | Compare → |
| Horry County | $64–$265/mo | Compare → |
| Spartanburg County | $59–$245/mo | Compare → |
| Lexington County | $59–$245/mo | Compare → |
| York County | $59–$245/mo | Compare → |
| Anderson County | $58–$240/mo | Compare → |
| Dorchester County | $62–$257/mo | Compare → |
| Berkeley County | $62–$257/mo | Compare → |
Home and Garden Retailer businesses in South Carolina typically pay $59–$245/month for workers' compensation insurance. Rates vary by city, revenue, employee count, and claims history.
Yes — South Carolina requires workers' compensation for most employers with at least one employee. Home and Garden Retailer businesses that skip coverage face stop-work orders and personal liability.
Workers' Compensation Insurance covers employee medical bills, lost wages, and employer liability for workplace injuries. For Home and Garden Retailer businesses, key covered scenarios include: Customer slip and fall in store; Product liability from sold merchandise; Employee injury during stocking.
Top exposures: (1) Customer slip and fall in store, (2) Product liability from sold merchandise, (3) Employee injury during stocking, (4) Shoplifting and employee theft.
Top carriers in South Carolina for Retail businesses: The Hartford, Travelers, Liberty Mutual, Nationwide, Coterie, Thimble, CNA, and Employers. Use ERGO Next to compare coverage options from top-rated commercial carriers.
Yes — most Home and Garden Retailer policies can be quoted, bound, and issued same-day. Your Certificate of Insurance is available immediately after binding.
Rate estimates reflect 2026 industry data adjusted for South Carolina cost index. Content reviewed by My Digital Kube editorial team, licensed commercial insurance professionals.