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Are you covered at work?
Accidents can happen in any business. If you have employees, you need workers' compensation.
Save up to 25% on your current workers' compensation premium
You know your business,
the Hartford knows insurance
The Hartford means big savings for you. There is a lot to sort out when finding the right workers’ compensation coverage and this program can save you serious time and effort – plus terrific savings.
Why workers' compensation? This is insurance to protect your employees and your business.
If you have four or more employees, South Carolina requires your business to carry workers’ compensation insurance.
How you can save
01
access to premium savings up to
25%
the highest allowed in South Carolina
02
eligible for a 4%
dividend
at renewal
if you are an active member of a chamber of commerce.
plus special industry savings and discounts often overlooked
03
60%
savings on billed medical expenses
through Hartford provider negotiated rates that will reduce claims
04
monthly payroll billing solution
your cash flow won’t be restricted with payroll vs. annual premiums
New Group Purchasing Benefit
Our goal for you and your business is simple: give you better pricing, service, and value on all of your business needs, regardless of your business size.
We have negotiated a workers’ compensation program with The Hartford, a national business insurance carrier, based on an aggregate annual book of business of our full book of business.
Your business, if you are a member of a Chamber, is eligible for an additional annual dividend of up to 4% that even the largest businesses in South Carolina can't access. We hope that by participating in this program you receive a bankable ROI on your Chamber investment.
Save on Workers' Compensation
25%
up
to
Savings Example
Monthly premium
Program discount
New Monthly Premium
$3,500
- $875
$2,625
$875
Annual
Savings
x 12 months
$10,500
Annual dividend (4%)
$1,260
if you are a chamber member
Total
Savings
$11,760
Your actual savings will vary due to several factors including payroll, type of work your employees perform (employee classification code), and your claims ( experience modification factor). Our team will conduct a deep audit to optimize your savings. NO shortcuts.
As a preferred provider, the Hartford member benefit includes additional benefits and savings!
Premium discounts of up to 25% off premium rate
Annual dividend each year up to 4% if you belong to a Chamber
Risk control programs and best-in-class claim support
Webinars and online resources to keep employees safe
Improve your cash flow with pay-as-you-go billing
Savings that have a big impact on your budget
Thanks to the Chamber's discount program, you can make workers' compensation a smaller part of your budget.
Save on Workers' Comp
Unlike most any other small business insurance, workers' compensation is regulated by each state. Rates in South Carolina are the highest in the Southeast which is a key reason South Carolina Chambers of Commerce developed this member exclusive benefit.
Georgia
North Carolina
Tennessee
$1.11
$1.18
$1.09
South Carolina
$1.79
3 Things You Need To Know about
Worker's Compensation Laws
1
2
3
Employers in South Carolina with four or more regular full-time or part-time employees are required to carry Workers' Compensation Insurance.
If a subcontractor doesn't carry Workers' Compensation Insurance, the owner or the principal contractor would be liable for the injuries that happen to the subcontractor's employees.
Know the specific requirements for your industry so you are confident you are fully protecting your business and employees!
For more information about our
Workers' Comp Program, contact Brian Emory
at Kenneth.Emory@thehartford.com or 704.972.5698
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