In South Dakota, workers comp insurance requirements require all employers to secure workers compensation insurance. The number of employees or hours worked is not considered. The workers comp insurance may be secured through private insurance or a self insured entity. There are some considerations made and waivers available for specific industries.
The policy protects the employer from being sued by an employee who is injured, becomes ill or dies as a result of a work-related duty. The injured employee received medical treatment and lost wages under the policy. In the event of death, the employees dependants would receive a pre-defined monetary death benefit.
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