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Buy Workers' Compensation Insurance in North Carolina

Who needs to be covered by the policy, where you can buy it and how much it will cost are all mandated or influenced by state law.

Your business must comply with the states where your employees perform work - not necessarily where the business was founded or is based. If your business operates in multiple states, or employees travel across state lines to work, you may need to modify your policy to guarantee coverage in the event of a claim.
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Low Rates Available in North Carolina

What to Know

You are required to carry workers' compensation insurance in North Carolina if:

  • If you have three or more employees working in North Carolina. Corporate officers are counted as employees, but do not have to be covered.
  • If your employees are exposed to radiation.
  • If you are an independent contractor, you might not be covered by the hiring company’s insurance policy and may need to provide proof of work comp. Are you an employee or an independent contractor? 10 ways to tell >>

Where to buy insurance:

  • North Carolina has a private market. You can purchase a workers' compensation policy from any private insurance carrier or agency that is licensed to write in that state. Get started on a policy with WorkCompOne >>
  • If you’re still having trouble finding coverage, you can contact North Carolina’s assigned risk pool, which will place you with a carrier.

Where to Get It

Factors That Impact Coverage

Legal Requirements

  • Who needs to be covered by the policy, where you can buy it and how much it will cost are influenced by state legislation and the state's current legal and political climate.
  • Your business must comply with the state where your employees perform work - not necessarily where the business was founded or is based.
  • If your business operates in multiple states, or employees travel across state lines to work, you may need to modify your policy to guarantee coverage.

General Liability

  • Work comp covers wage replacement and medical bills for employees injured on the job. To protect against other injuries at your place of business, you may need general liability insurance. Learn more about general liability >>

Rates

North Carolina Key Resources

Other Tips

If you employ workers in multiple states or your employees are temporarily working out-of-state, you need to purchase insurance for all the states where your workers are located, according to each state’s laws.

Call 1-800-416-0285 and let us walk you through it.

The nature of your business, number of employees being covered and past coverage and claims are all factors in how much your premium will cost. Learn more about workers' comp insurance rates >>

Here's What You Need to Get Started

To buy workers compensation insurance, you need to request a quote from a licensed insurance agent and provide some details about your business.

Here’s what to have in front of you:

  • Number of employees in each class code.
  • Total payroll for all employees. You may be able to exclude yourself if you don't wish to be covered under the policy. 
  • Federal ID Number. If you are a sole proprietor, you can use your Social Security Number.
  • Copy of your workers comp insurance policy, if you've had coverage or claims in the past few years. If you know your company's experience mod, please have your experience mod rating sheet or policy in front of you. Otherwise, you will be assigned a default rating of 1.0.
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The information on this page has been interpreted and summarized for your convenience. Please consult your state's governing authority for the most current and complete legislation.