What Is Workers’ Comp Insurance?
Workers’ compensation insurance (often called workers’ comp) provides benefits to employees who are injured or become ill because of their job. It helps cover medical expenses, lost wages, and rehabilitation costs, while also protecting employers from certain legal claims.
North Carolina Workers’ Comp Requirements
In North Carolina, most businesses with three or more employees are legally required to carry workers’ comp insurance—this applies whether employees are full-time, part-time, or seasonal.
Exceptions include:
- Certain agricultural operations
- Domestic workers in private homes
- Some corporate officers (can opt out under specific conditions)
What Workers’ Comp Covers in NC
While policies can vary by carrier, most workers’ comp insurance includes:
- Medical Expenses: Hospital bills, doctor visits, surgeries, prescriptions, and rehabilitation.
- Lost Wages: Partial income replacement while the employee recovers.
- Disability Benefits: For temporary or permanent disabilities related to a work injury or illness.
- Death Benefits: Support for dependents if a work-related injury or illness results in death.
- Legal Protection: Helps cover legal fees if an injured employee files a lawsuit.
Common Work-Related Injuries in North Carolina
- Slips, trips, and falls
- Back injuries from lifting
- Repetitive motion injuries (e.g., carpal tunnel)
- Machinery or equipment accidents
- Exposure to harmful substances
Penalties for Not Having Workers’ Comp in NC
Failing to carry required coverage can result in:
- Fines of up to $100 per day, per employee
- Stop-work orders issued by the NC Industrial Commission
- Potential lawsuits and personal liability for claims
How Sizemore Insurance Helps NC Businesses
As an independent insurance company, we:
- Review your business operations to ensure you meet NC legal requirements
- Compare rates from multiple top carriers
- Help you understand your coverage limits and exclusions
- Assist with claims to keep the process smooth for you and your employees
Whether you run a construction crew in Wilmington, a restaurant in Raleigh, or a retail shop in Charlotte, we’ll match you with a policy that meets legal requirements and fits your budget.
Get a Workers’ Comp Quote Today
Protect your employees—and your business—with the right coverage.
Start your quote online or call (910) 791-1011 to connect with a Sizemore Insurance advisor.