South Carolina commercial insurance rate filings (2026)
Every commercial-insurance carrier writing business in South Carolina files its loss costs and rating values with the state's insurance regulator — the primary-source records that drive every commercial quote in South Carolina. This page summarizes the 1 active filings we track for South Carolina across 1 line(s) of business and 1 classification(s).
How Workers' Comp rates are set in South Carolina
South Carolina runs a private Workers' Comp market. Rate filings are reviewed by the South Carolina Department of Insurance. We track 1 distinct classification(s) for South Carolina across 1 active filing(s). Workers' Comp loss costs are filed by NCCI in most states or by an independent state rating bureau; your actual premium is that filed loss cost multiplied by your carrier's loss-cost multiplier (LCM), your experience modifier, and your payroll divided by $100 — so two South Carolina businesses in the same classification can pay very different rates. Comparing quotes from multiple carriers is the only way to see how those multipliers differ for your specific operation.
The lines we track are Workers Compensation. The most-recent South Carolina filing we track is effective April 2026. Every row below links to the filing it was taken from so the South Carolina regulator record can be verified.
Workers' Compensation covers medical bills and lost wages for South Carolina employees injured on the job — mandatory in South Carolina once you have staff.
In South Carolina, Commercial General Liability carriers earned about $1.0B in premiums at a 75.7% loss ratio and a -19.5% underwriting profit (NAIC 2023). In South Carolina, Workers Compensation carriers earned about $898M in premiums at a 44.1% loss ratio and a 19.2% underwriting profit (NAIC 2023). In South Carolina, Commercial Multiple Peril carriers earned about $795M in premiums at a 49.1% loss ratio and a 6.8% underwriting profit (NAIC 2023). In South Carolina, Commercial Auto carriers earned about $655M in premiums at a 74% loss ratio and a -9.9% underwriting profit (NAIC 2023). In South Carolina, Commercial Property carriers earned about $558M in premiums at a 32.9% loss ratio and a 29.6% underwriting profit (NAIC 2023). In South Carolina, Inland Marine carriers earned about $557M in premiums at a 44.3% loss ratio and a 15.8% underwriting profit (NAIC 2023). In South Carolina, Medical Professional Liability carriers earned about $97M in premiums at a 93.1% loss ratio and a -54.7% underwriting profit (NAIC 2023). In South Carolina, Product Liability carriers earned about $75M in premiums at a 95.7% loss ratio and a -59.6% underwriting profit (NAIC 2023). These market-level results come from the NAIC Report on Profitability by Line by State — a primary-source view of how each commercial line actually performs in South Carolina, beyond the filed loss costs above.
- South Carolina rate filings are public, primary-source records; every figure here traces to a public rate filing on record with a state regulator or rating bureau.
- Your actual South Carolina premium depends on your class code, carrier loss-cost multiplier, experience modifier, and payroll — the filed loss cost is only the starting point.
Recent rate-filing activity — 1 state filings across 1 commercial line
Commercial carriers can't charge whatever they want — each state's Department of Insurance must approve loss-cost filings before they take effect. These are primary-source, government-held records available on SERFF Filing Access. Cited below: the most-recent active filings affecting commercial operations, each cited to the regulator or bureau filing it came from.
| Line | State | Overall change | Effective | Filing |
|---|---|---|---|---|
| WC | SC | -0.4% voluntary loss cost decrease | Apr 1, 2026 | SERFF #NCCI-134702984 |
Source: SERFF Filing Access (filingaccess.serff.com) — the official public-records interface for state Department of Insurance filings. Loss-cost changes shown are the overall bureau-wide change in each state; the actual impact on your quote depends on your class code, payroll, experience modifier, and carrier-specific loss-cost multiplier (LCM). Get a quote for your exact numbers.
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Who writes commercial coverage in South Carolina
67 carrier groups have an active filing footprint across 138 lines of insurance in South Carolina (29,272 filings observed in the state's public SERFF record). Most active by volume: Liberty Mutual, Nationwide, Berkley, Hartford, AmTrust, CNA.
This is carrier appetite / market presence from public SERFF filing activity — a signal of who competes here, not a price or a rate — data the comparison sites cannot legally publish. Your premium depends on your class code, payroll, experience mod, and each carrier's rating.
Compare South Carolina carriers →Get a real South Carolina quote
Bureau-filed loss-cost changes are the regulator-approved starting point — actual premium depends on your class code, payroll, experience modifier, schedule credits/debits, and the carrier's LCM. Request a free South Carolina quote in under 90 seconds.
Get a free South Carolina quote →Related South Carolina cost pages
South Carolina-specific cost guides for the verticals we cover:
South Carolina insurance profitability by line (2023 NAIC)
How profitable each commercial line runs in South Carolina — loss ratio (incurred losses ÷ premiums earned); lower is more profitable for carriers:
Source: NAIC 2023 Report on Profitability by Line by State · compare every line & state →