Workers’ Compensation Insurance

Workers’ compensation is generally required by North Carolina law for businesses with three or more employees — and it’s one of the smartest protections you can carry regardless. It takes care of your people after a workplace injury and shields your business from the lawsuits that follow.

Prefer to talk it through with a real person? Call us at 919-341-0606 — we answer Monday through Friday, 8:30 am to 5:30 pm, right here in Garner.

What North Carolina Law Requires

With limited exceptions, NC businesses employing three or more people must carry workers’ compensation. Operating without required coverage exposes you to penalties, fines, and personal liability for an injured employee’s medical bills and lost wages — costs that can dwarf years of premium.

What Workers’ Comp Covers

• Medical expenses — treatment, hospital stays, medications, and rehabilitation for work injuries and illnesses.
• Lost wages — partial wage replacement while an employee recovers.
• Disability benefits — support for temporary or permanent disabilities from workplace accidents.
• Death benefits — financial assistance for the family after a fatal workplace injury.
• Employer’s liability — defense against lawsuits related to workplace injuries.

What It Costs

Premiums are based on your payroll, your industry classification codes, and your claims history. A roofing crew prices differently than an office — and a clean safety record earns real discounts over time. We shop multiple carriers and help you keep classifications accurate so you never overpay at audit. Pair it with your business package for the best overall rate.

Frequently Asked Questions

Is workers’ compensation required in North Carolina?

Generally yes, once you have three or more employees. Certain industries and situations have exceptions — we’ll confirm exactly where your business stands.

Do independent contractors count?

Genuine independent contractors typically aren’t covered employees, but misclassification is a common and costly audit finding. If in doubt, ask us before the state asks you.

What happens if I don’t carry it?

Penalties, fines, potential criminal exposure for willful non-compliance — plus full personal responsibility for an injured worker’s costs. It’s not a risk worth running.

Protect Your Team and Your Business

Get compliant, get covered, and get back to work. Insure with You!