Small business owners standing in front of their storefront
Workers' Compensation

Protect your crew. Stay compliant in SC.

South Carolina requires workers' comp for most businesses with 4+ employees. We shop carriers and pay-as-you-go options to keep your premium honest.

Who it's for

Built for folks like you.

Contractors and trades across the Upstate, restaurants in Greenville and Charleston, retail shops, landscapers, manufacturers, and any SC employer with W-2 staff.

What it can cover

The real-world stuff that matters.

Medical bills

Covers treatment costs from a workplace injury or illness.

Lost wages

Replaces a portion of an injured employee's income while they recover.

Disability benefits

Temporary or permanent benefits depending on the injury.

Employer's liability

Defense costs if an employee or family sues over a workplace injury.

Rehabilitation

Helps employees return to work after a serious injury.

Death benefits

Support for surviving family members in a fatal workplace accident.

Why Garcia Agency

Independent. Local. Honestly on your side.

We shop multiple carriers

We're independent, so we compare a dozen+ carriers to land you the right coverage at the right price, not whatever a captive agent has to sell.

Real South Carolina agents

Based in Greenville, serving the Upstate and the rest of SC. You'll talk to a person, not a call-center script.

Easy to actually reach

Call, text, or email. We respond fast during office hours and follow up like real humans.

Service area: Greenville, Anderson, Spartanburg, Columbia, Charleston, Myrtle Beach, Rock Hill, and the rest of South Carolina.

FAQ

Common questions, straight answers.

Ready to compare rates?

One quick form. We'll shop the carriers and get back to you fast.