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South Dakotaworkers' comp and liability guide
This page summarizes the loaded workers' comp class cards and the baseline liability posture used in the estimator for South Dakota.
GL baseline $1M / $2MWC generally elective
Coverage posture in this state
- • General liability baseline commonly starts at $1M / $2M.
- • South Dakota does not generally require private employers to carry workers' compensation insurance, but employers may elect coverage and contract terms can still require proof of coverage.
- • Project-specific contracts may still push higher umbrella, auto, or professional liability limits.
Default industry bundles
IT consulting: General LiabilityIT consulting: Errors & OmissionsIT consulting: Cyber LiabilityGeneral contractor: General LiabilityGeneral contractor: Business Owner's PolicyGeneral contractor: Workers' CompensationGeneral contractor: Inland Marine / ToolsGeneral contractor: Umbrella / ExcessRetail store: General LiabilityRetail store: Business Owner's PolicyRetail store: Workers' CompensationRetail store: Cyber LiabilityAccounting firm: General LiabilityAccounting firm: Business Owner's PolicyAccounting firm: Workers' CompensationAccounting firm: Errors & OmissionsAccounting firm: Cyber LiabilityJanitorial services: General LiabilityJanitorial services: Business Owner's PolicyJanitorial services: Workers' CompensationJanitorial services: Inland Marine / ToolsRestaurant: General LiabilityRestaurant: Business Owner's PolicyRestaurant: Workers' CompensationRestaurant: Cyber LiabilityManagement consulting: General LiabilityManagement consulting: Business Owner's PolicyManagement consulting: Workers' CompensationManagement consulting: Errors & OmissionsManagement consulting: Cyber LiabilityLandscaping services: General LiabilityLandscaping services: Business Owner's PolicyLandscaping services: Workers' CompensationLandscaping services: Inland Marine / ToolsPlumbing contractor: General LiabilityPlumbing contractor: Business Owner's PolicyPlumbing contractor: Workers' CompensationPlumbing contractor: Errors & OmissionsPlumbing contractor: Inland Marine / ToolsSalon / barber shop: General LiabilitySalon / barber shop: Business Owner's PolicySalon / barber shop: Workers' CompensationSalon / barber shop: Errors & OmissionsSalon / barber shop: Cyber LiabilityEngineering consulting: General LiabilityEngineering consulting: Business Owner's PolicyEngineering consulting: Workers' CompensationEngineering consulting: Errors & OmissionsEngineering consulting: Cyber LiabilityLawn care services: General LiabilityLawn care services: Business Owner's PolicyLawn care services: Workers' CompensationLawn care services: Inland Marine / ToolsHouse cleaning services: General LiabilityHouse cleaning services: Business Owner's PolicyHouse cleaning services: Workers' CompensationInsurance agency: General LiabilityInsurance agency: Business Owner's PolicyInsurance agency: Workers' CompensationInsurance agency: Errors & OmissionsInsurance agency: Cyber LiabilityLaw firm: General LiabilityLaw firm: Business Owner's PolicyLaw firm: Workers' CompensationLaw firm: Cyber LiabilityPet sitting services: General LiabilityPet sitting services: Business Owner's PolicyPet sitting services: Workers' CompensationPet sitting services: Errors & OmissionsPet sitting services: Cyber LiabilityReal estate agency: General LiabilityReal estate agency: Business Owner's PolicyReal estate agency: Workers' CompensationReal estate agency: Errors & OmissionsReal estate agency: Cyber LiabilityPhotography business: General LiabilityPhotography business: Business Owner's PolicyPhotography business: Workers' CompensationPhotography business: Errors & OmissionsPhotography business: Inland Marine / ToolsFlorist shop: General LiabilityFlorist shop: Business Owner's PolicyFlorist shop: Workers' CompensationFlorist shop: Cyber LiabilityTax preparation service: General LiabilityTax preparation service: Business Owner's PolicyTax preparation service: Workers' CompensationTax preparation service: Errors & OmissionsTax preparation service: Cyber LiabilityTravel agency: General LiabilityTravel agency: Business Owner's PolicyTravel agency: Workers' CompensationTravel agency: Errors & OmissionsTravel agency: Cyber LiabilityArchitect firm: General LiabilityArchitect firm: Business Owner's PolicyArchitect firm: Workers' CompensationArchitect firm: Errors & OmissionsArchitect firm: Cyber LiabilityWeb design studio: General LiabilityWeb design studio: Business Owner's PolicyWeb design studio: Workers' CompensationWeb design studio: Cyber LiabilitySoftware development firm: General LiabilitySoftware development firm: Business Owner's PolicySoftware development firm: Workers' CompensationSoftware development firm: Cyber LiabilityBookkeeping service: General LiabilityBookkeeping service: Business Owner's PolicyBookkeeping service: Workers' CompensationBookkeeping service: Errors & OmissionsBookkeeping service: Cyber LiabilityCatering business: General LiabilityCatering business: Business Owner's PolicyCatering business: Workers' CompensationCatering business: Cyber LiabilityBakery: General LiabilityBakery: Business Owner's PolicyBakery: Workers' CompensationBakery: Cyber LiabilityPet grooming service: General LiabilityPet grooming service: Business Owner's PolicyPet grooming service: Workers' CompensationPet grooming service: Errors & OmissionsPet grooming service: Cyber LiabilityPet training service: General LiabilityPet training service: Business Owner's PolicyPet training service: Workers' CompensationPet training service: Errors & OmissionsPet training service: Cyber LiabilityDental practice: General LiabilityDental practice: Business Owner's PolicyDental practice: Workers' CompensationDental practice: Errors & OmissionsDental practice: Cyber LiabilityOptometry practice: General LiabilityOptometry practice: Business Owner's PolicyOptometry practice: Workers' CompensationOptometry practice: Errors & OmissionsOptometry practice: Cyber LiabilityMedical practice: General LiabilityMedical practice: Business Owner's PolicyMedical practice: Workers' CompensationMedical practice: Errors & OmissionsMedical practice: Cyber LiabilityDay spa: General LiabilityDay spa: Business Owner's PolicyDay spa: Workers' CompensationDay spa: Errors & OmissionsDay spa: Cyber LiabilityElectrician contractor: General LiabilityElectrician contractor: Business Owner's PolicyElectrician contractor: Workers' CompensationElectrician contractor: Errors & OmissionsElectrician contractor: Inland Marine / ToolsPainting contractor: General LiabilityPainting contractor: Business Owner's PolicyPainting contractor: Workers' CompensationPainting contractor: Errors & OmissionsPainting contractor: Inland Marine / ToolsWelding contractor: General LiabilityWelding contractor: Business Owner's PolicyWelding contractor: Workers' CompensationWelding contractor: Errors & OmissionsWelding contractor: Inland Marine / ToolsHVAC installation contractor: General LiabilityHVAC installation contractor: Business Owner's PolicyHVAC installation contractor: Workers' CompensationHVAC installation contractor: Cyber LiabilityHVAC installation contractor: Inland Marine / ToolsAuto repair shop: General LiabilityAuto repair shop: Business Owner's PolicyAuto repair shop: Workers' CompensationAuto repair shop: Inland Marine / ToolsPet boarding business: General LiabilityPet boarding business: Business Owner's PolicyPet boarding business: Workers' CompensationPet boarding business: Errors & OmissionsPet boarding business: Cyber LiabilityAuto detailing and car wash: General LiabilityAuto detailing and car wash: Business Owner's PolicyAuto detailing and car wash: Workers' CompensationAuto detailing and car wash: Inland Marine / ToolsPressure washing business: General LiabilityPressure washing business: Business Owner's PolicyPressure washing business: Workers' CompensationConvenience store: General LiabilityConvenience store: Business Owner's PolicyConvenience store: Workers' CompensationHot dog cart: General LiabilityHot dog cart: Business Owner's PolicyHot dog cart: Workers' CompensationHot dog cart: Cyber LiabilityGrocery store: General LiabilityGrocery store: Business Owner's PolicyGrocery store: Workers' CompensationGrocery store: Cyber LiabilityPharmacy and drugstore: General LiabilityPharmacy and drugstore: Business Owner's PolicyPharmacy and drugstore: Workers' CompensationPharmacy and drugstore: Cyber LiabilityJewelry store: General LiabilityJewelry store: Business Owner's PolicyJewelry store: Workers' CompensationJewelry store: Cyber LiabilityFurniture store: General LiabilityFurniture store: Business Owner's PolicyFurniture store: Workers' CompensationFurniture store: Cyber LiabilityClothing store: General LiabilityClothing store: Business Owner's PolicyClothing store: Workers' CompensationClothing store: Cyber LiabilityComputer repair business: General LiabilityComputer repair business: Workers' CompensationComputer repair business: Errors & OmissionsBar / lounge / tavern: General LiabilityBar / lounge / tavern: Business Owner's PolicyBar / lounge / tavern: Workers' CompensationBar / lounge / tavern: Cyber LiabilityCoffee shop / cafe: General LiabilityCoffee shop / cafe: Business Owner's PolicyCoffee shop / cafe: Workers' CompensationCoffee shop / cafe: Cyber LiabilityFood truck: General LiabilityFood truck: Business Owner's PolicyFood truck: Workers' CompensationFood truck: Cyber LiabilityJuice bar: General LiabilityJuice bar: Business Owner's PolicyJuice bar: Workers' CompensationJuice bar: Cyber LiabilityDeli / sandwich shop: General LiabilityDeli / sandwich shop: Business Owner's PolicyDeli / sandwich shop: Workers' CompensationDeli / sandwich shop: Cyber LiabilityFast food restaurant: General LiabilityFast food restaurant: Business Owner's PolicyFast food restaurant: Workers' CompensationFast food restaurant: Cyber LiabilityIce cream shop: General LiabilityIce cream shop: Business Owner's PolicyIce cream shop: Workers' CompensationIce cream shop: Cyber LiabilityFood vendor / concession stand: General LiabilityFood vendor / concession stand: Business Owner's PolicyFood vendor / concession stand: Workers' CompensationFood vendor / concession stand: Cyber LiabilityAcupuncture clinic: General LiabilityAcupuncture clinic: Business Owner's PolicyAcupuncture clinic: Workers' CompensationAcupuncture clinic: Errors & OmissionsAcupuncture clinic: Cyber LiabilityPhysical therapy practice: General LiabilityPhysical therapy practice: Business Owner's PolicyPhysical therapy practice: Workers' CompensationPhysical therapy practice: Errors & OmissionsPhysical therapy practice: Cyber LiabilityButcher shop: General LiabilityButcher shop: Business Owner's PolicyButcher shop: Workers' CompensationButcher shop: Cyber LiabilityHardware store: General LiabilityHardware store: Business Owner's PolicyHardware store: Workers' CompensationHardware store: Cyber LiabilityPsychology practice: General LiabilityPsychology practice: Business Owner's PolicyPsychology practice: Workers' CompensationPsychology practice: Errors & OmissionsPsychology practice: Cyber LiabilityNutritionist practice: General LiabilityNutritionist practice: Business Owner's PolicyNutritionist practice: Workers' CompensationNutritionist practice: Errors & OmissionsNutritionist practice: Cyber LiabilitySocial work practice: General LiabilitySocial work practice: Business Owner's PolicySocial work practice: Workers' CompensationSocial work practice: Errors & OmissionsSocial work practice: Cyber LiabilityOccupational therapy practice: General LiabilityOccupational therapy practice: Business Owner's PolicyOccupational therapy practice: Workers' CompensationOccupational therapy practice: Errors & OmissionsOccupational therapy practice: Cyber LiabilityMental health counseling practice: General LiabilityMental health counseling practice: Business Owner's PolicyMental health counseling practice: Workers' CompensationMental health counseling practice: Errors & OmissionsMental health counseling practice: Cyber LiabilitySpeech therapy practice: General LiabilitySpeech therapy practice: Business Owner's PolicySpeech therapy practice: Workers' CompensationSpeech therapy practice: Errors & OmissionsSpeech therapy practice: Cyber LiabilityPsychiatry practice: General LiabilityPsychiatry practice: Business Owner's PolicyPsychiatry practice: Workers' CompensationPsychiatry practice: Errors & OmissionsPsychiatry practice: Cyber LiabilityChiropractic practice: General LiabilityChiropractic practice: Business Owner's PolicyChiropractic practice: Workers' CompensationChiropractic practice: Errors & OmissionsChiropractic practice: Cyber LiabilityYoga studio: General LiabilityYoga studio: Business Owner's PolicyYoga studio: Workers' CompensationYoga studio: Errors & OmissionsYoga studio: Cyber LiabilityPilates studio: General LiabilityPilates studio: Business Owner's PolicyPilates studio: Workers' CompensationPilates studio: Errors & OmissionsPilates studio: Cyber LiabilityPersonal training studio: General LiabilityPersonal training studio: Business Owner's PolicyPersonal training studio: Workers' CompensationPersonal training studio: Errors & OmissionsPersonal training studio: Cyber LiabilityFitness instructor studio: General LiabilityFitness instructor studio: Business Owner's PolicyFitness instructor studio: Workers' CompensationFitness instructor studio: Errors & OmissionsFitness instructor studio: Cyber LiabilityGym and fitness center: General LiabilityGym and fitness center: Business Owner's PolicyGym and fitness center: Workers' CompensationGym and fitness center: Errors & OmissionsGym and fitness center: Cyber LiabilityDance instruction studio: General LiabilityDance instruction studio: Business Owner's PolicyDance instruction studio: Workers' CompensationDance instruction studio: Errors & OmissionsDance instruction studio: Cyber Liability
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