If a North Carolina business employs three or more individuals, full-time or part-time, it must provide workers’ comp coverage. This policy covers medical bills for work injuries and protects employers from liability over an injury.
All business-owned vehicles in North Carolina must be covered by commercial auto insurance. Though it's not required, personal vehicles driven for work purposes should be covered by hired and non-owned auto insurance, as personal auto policies usually exclude business use. It can be added to general liability insurance or a business owner's policy.
North Carolina’s commercial auto insurance requirements are:
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In North Carolina, insurance agents, agencies, and brokers are licensed by the North Carolina Department of Insurance. Insureon is licensed in North Carolina as BIN Insurance Holdings, LLC (NPN 15752926) for property and casualty insurance and for surplus lines. You can verify our licensure with the Department of Insurance on its Licensee Look-up page by selecting “Business Entity” in the first dropdown and then entering our North Carolina state license, 1000087158, into the "License Number” field.