We are excited about the host of benefits that the SCHBSIF can offer to its members. In addition to the benefits you would expect from your Insurer, the SCHBSIF offers the following:
• COMPETITIVE RATE
• MONTHLY SELF AUDIT BILLING
• NO PAYROLL DURING A MONTH NO PREMIUM DUE
• DIVISION OF LABOR
We allow splitting of payroll between certain common codes. This will Lower your cost considerably. |
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In addition, here is a sampling of additional Membership benefits:
- Dedicated Customer Service Representatives - Again, each member is assigned a dedicated Customer Service Representative or “CSR” to learn your particular business and to assist you personally with all questions and concerns.
- Safety & Risk Control/Claims Management Seminars - These informative and proactive seminars are held at different locations throughout the state. They will provide training in the “Focus Four” hazards as they apply to residential construction which include falls, electrical hazards, struck-by hazards, and caught-in hazards. In addition, information on the claims process and ways you can manage claims as a member are discussed. Upon request these seminars may be provided in Spanish. The date and times of these seminars can be located on the website under Safety and Risk Control and Calendar.
- Quarterly Publication - To keep our members aware of insurance industry trends, legislative issues that affect your workers’ compensation costs, suggestions on how to become proactive in safety, and better understand and manage accidents after they occur. Our newsletter will be published in 4 of the 6 annual issues of Builder Journal Magazine
- In-House Claims Department - Personalized and aggressive in-house claims management protects your money and keeps your Work Comp rates lower than competitors. All members are assigned a dedicated Claims Adjuster when they report a loss. This Adjuster will be your single call service source who is familiar with your business.
- Local HBA Involvement from the SCHBSIF Staff - The SCHBSIF was designed to provide a quality Workers’ Compensation Insurance Plan to qualified members of the HBA of SC. The entire staff at the SCHBSIF is dedicated to this and will be a visible entity at both local and State HBA functions. It is the intent of the SCHBSIF to become the insurer of choice for the home building industry. We are willing to work hard to earn your business, and we are committed to working even harder to ensure that our members are satisfied. A satisfied member is, by far, our greatest asset.
- Safety and Risk Control Specialists - The SCHBSIF has three full-time Safety and Risk Control Specialists traveling the state to assist our members with safety issues on their job sites. They will offer advice and provide a written copy of their observations to the responsible member.
- Agents Advisory Council - To let the SCHBSIF hear your needs and be responsive to them. This gives our membership a true voice in the program
We look forward to seeing you soon at the upcoming events!
The South Carolina Home Builders Self Insurers Fund is an organization of qualified members of the Home Builders Association of South Carolina who have joined together to provide a stable, cost effective and secure source for workers’ compensation coverage.
SCHBSIF is operated by a Board of Trustees. The State is divided into regions and each region has a trustee representing that area. Our Trustees are contractors and understand the needs of the construction business.
Established in 1995, the SCHBSIF provides workers’ compensation coverage for qualified members of the Home Builders Association of South Carolina. Our program is marketed by an extensive network of independent insurance agents throughout South Carolina. For more information call the SCHBSIF office at 803-771-0566, or toll-free at 1-800-678-8178.
Herb Witter, Chairman (District 3*)
Witter Construction
P O Box 2635.
Aiken, SC 29802
herb.witter@gforcecable.com
(803) 649-7351/ Fax: (803)649-7312
Colin Campbell, Vice Chairman (District 1*)
C.R. Campbell Construction
P O Box 12388
Charleston, SC 29422
ccampb3738@aol.com
(843)406-8799/ Fax: (843) 406-8794
Eddie Weaver (District 2*)
Weaver Systems
P O Box 9623
Columbia, SC 29290
ewweaver@sc.rr.com
(803) 776-6262/ Fax: (803) 776-6697
John Curl (District 5*)
Curl Builders, Inc.
P O Box 4815
Florence, SC 29502
curlbuilt@aol.com
(843) 667-1100/ Fax: (843) 665-6899
Tom Markovich (At Large)
Markovich Homes
309 Rochester Hwy
Seneca, SC 29672
tmarkhom@bellsouth.net
(864) 886-0360/ Fax: (864) 886-0361
Keith Smith (At Large)
Keith Smith Builders.
316-C Trade Street
Greer, SC 29651
keith@keithsmithbuilders.com
(864) 801-8701/ Fax: (864) 801-8703
Jim Gregorie (District 4*)
The Gregorie Company
121 Pelham Springs
Greenville, SC 29615
gregoriej@aol.com
(864) 241-7084/ Fax: (864) 271-5244
Steven Mungo (ex officio)
Mungo Homes
441 Western Lane
Irmo, SC 29063
(803)749-9000/ Fax: (803)749-5885
Michael T. Lowman (ex officio)
Mike Lowman Homes, Inc.
PO Box 2861
Irmo, SC 29063
mike@mikelowmanhomes.com
(803)732-8771/ Fax: (803)732-8773
*"Districts" refer to HBA of SC districts.
Questions for the Policy Services Department:
Q: Will you please send me a certificate of insurance?
A: You will need to contact your agent and they will forward the certificate for you.
Q: If I do not have any payroll do I still need to send in my monthly form?
A: Yes, your account will need to be updated to avoid a cancellation notice.
Q: Do I need to join the HBA to keep my Workers' Compensation coverage?
A: Yes, you will need to provide us with proof that you have joined the HBA in order to retain coverage.
Questions for the Claims Department:
Q: Can I terminate an employee who is out on Workers' Compensation?
A: If an injured worker is terminated while out on workers' compensation and does not have a job to return to, it will affect the total cost of the claim.
Q: What happens if I use un-insured subcontractors?
A: Those subcontractors' payrolls will be included in your final premium calculations when year-end audits are completed. Additionally, you may become liable for the costs of any Workers' Compensation benefits owed to an injured employee of an uninsured subcontractor, and these claims costs become a permanent part of your loss experience.
Q: What will happen if I am unable to return to the same type of work once released by my doctor?
A: Once released by the treating physician, an impairment rating is normally assigned. This will determine whether or not an injured worker is due an award for permanent disability. When settling a claim, we take into consideration the fact that an injured worker is unable to return to his or her normal job.
Q: Why is prompt reporting of claims so important?
A: Prompt reporting allows the SIF Claims Management staff to gain control of the claim in its early stages; to make critical contacts with the injured worker, the employer and the medical provider. Prompt communication with the injured worker is important because it allows us to explain his rights under South Carolina's Workers' Compensation statutes, and answer any questions he may have regarding benefits, medical treatment, or return- to- work options. It also provides the SIF staff with the opportunity to investigate claims promptly and to gather information and evidence that helps us to determine the compensability of the claim.
Questions for the Premium Audit Department:
Q: Can I breakdown my employees wages if they do more than one type of work?
A: SCHBSIF allows an employee’s wages to be “split” between multiple class codes with documentation of hours spent and wages earned for each type of work. Those employees classified as Clerical #8810, Salespersons #8742, Drivers #7380 and Executive Supervisors #5606 are not eligible for the payroll split.
Q: What happens if I pay my employees’ overtime?
A: If you pay overtime, the extra payroll may be excluded from the basis of premium. Your records must show overtime payroll listed separately by employee and in summary by classification. If you pay time-and-a-half for overtime or if you pay double overtime, the amount paid above the regular rate of pay will be credited towards your payroll exposure.
Q: Do I have to have a physical audit?
A: We may mail a worksheet with instructions for you to complete and return to SCHBSIF in lieu of conducting a physical audit at your office. Therefore, you may receive a request through the mail asking you to complete this audit form.
If you don't see your question here, please give us a call at (803)771-0566, or toll-free at (800)678-8178. We look forward to helping you!
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