Quick guide: Workers’ compensation in South Dakota
Your small business work comp questions answered
You’ve got a business to run so we’ll tell you what you need to know about workers’ compensation in South Dakota — what it is, who needs it, and where you can buy it.
What is workers’ comp?
What does workers' compensation insurance cover?
How do I know if I need workers' comp insurance?
There are just a few exceptions, which are listed in the next question.
Are there any exceptions?
There are a few exceptions in South Dakota workers’ compensation law:
- Domestic servants working less than 20 hours per week or for less than six weeks in any 13-week period
- Farm or agricultural labor
- One whose employment is not in the usual course of trade, business, occupation or profession of the employer (such as independent contractors)
How much will it cost?
Your workers’ compensation premium is based on how much your payroll is, how dangerous your industry is, and your business’s history of work injuries. If you have a clean safety record, it can help keep your premium low.
For more on how premium is calculated, see our Workers’ Comp 101 page.
Where do I buy workers’ comp insurance?
Where can I get more information on workers’ compensation in South Dakota?
Since workers’ comp coverage is mandated by the state, the South Dakota Department of Labor and Regulation is your go-to source of information.