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North Carolina's laws dictate that sole proprietorships, partnerships, LLCs, estates, and trusts with three or more employees must carry Workers' Compensation coverage. It does not matter whether these employees are full time, part-time, regular, seasonal, or family members. Everyone is included in the headcount, including corporate officers.

NC Workers' Comp: Key Details

  • Sole proprietors in North Carolina can choose whether or not to purchase Workers' Compensation coverage if they have fewer than three employees. They may elect to cover themselves.
  • Businesses that work with radiation are required by law to carry coverage when they have one employee.
  • An agricultural operation must carry coverage when there are 10 or more regular, non-seasonal employees.
  • Companies with fewer than three employees are exempt from carrying insurance.
  • Workers' Compensation Insurance may be purchased through a private insurance provider or through certified self-insurance programs.

Still have questions about Workers' Comp in North Carolina? The North Carolina Industrial Commission has answers.

Workers' Compensation Insurance Laws By State