South Dakota Workers' Compensation Insurance

Protect your business and employees with South Dakota workers' comp

South Dakota workers' compensation insurance offers medical care and financial support to people injured at work. From Sioux Falls to Rapid City, this coverage protects companies across the state.

Start or a quote or talk to a Progressive Commercial agent to learn about workers' comp in South Dakota.

Who needs workers' compensation insurance in South Dakota?

South Dakota doesn't require employers to carry workers' comp insurance, but they could be sued without it. Getting this coverage is the best way to safeguard your business and avoid lawsuits.

South Dakota workers' compensation insurance exemptions

South Dakota workers' comp exemptions include:

• Some household workers
• Independent contractors
• Farm laborers
• Certain elected officials

Even if you're exempt, workers' compensation insurance might be required for some licenses and contracts.

What are the penalties for not having workers' comp in South Dakota?

Since it's not required, private companies in South Dakota aren't fined for not having workers' comp insurance. However, you can avoid the cost of claims and protect your team by securing coverage.

How can you get workers' comp in South Dakota?

There are three ways to get workers' compensation insurance in South Dakota:

• Private insurers: Businesses often choose private insurers because they can offer customized policies and discounts.
• Self-insurance: Employers can save money by applying for self-insurance through the South Dakota Department of Labor and Regulation. However, they'll be responsible for managing financial risks.
• Assigned risk pool: When companies can't find insurance through private means or self-insurance, they can get a policy from the National Council on Compensation Insurance.

Carefully review these options or talk to a specialist to find the right South Dakota workers' compensation coverage.

How does workers' comp work in South Dakota?

Workers' comp is designed to help people recover from job-related injuries. Encourage your employees to get medical attention and provide written notice within three business days to ensure South Dakota workers' compensation benefits.

After an incident is reported, either you or the employee can file a claim. If approved, the employee will start receiving payments to cover things like:

• Medical expenses  
• Disability benefits 
• Lost wages 
• Rehabilitation costs 

South Dakota workers' comp settlements also protect businesses by reducing the risk of lawsuits. Employees who accept benefits usually can't sue, but if they do, this insurance covers costs.

South Dakota workers' compensation death benefits

Families of deceased employees can get South Dakota workers' comp death benefits to help manage expenses. Dependents can receive:

• A lump-sum payment of up to $10,000 for funeral expenses
• 67% of the employee's average weekly wage
• Lifelong payments for disabled children
• Support for children until age 18, and up to five more years if they go to college full-time in South Dakota

South Dakota workers' compensation statute of limitations

South Dakota workers' compensation laws give employees two years from the date of injury to file a claim. They should report incidents promptly to meet South Dakota's statute of limitations and qualify for benefits.

Why choose Progressive Commercial for South Dakota workers' comp

Progressive Commercial helps businesses like yours find the right insurance solutions. We put our customers first and customize plans to support your success.

Connect with an agent or start an online quote to find South Dakota workers' comp today.