North Carolina


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North Carolina Workers Comp Info

State Exemption Available?  NO

North Carolina requires workers compensation coverage if you have three or more employees. That includes Part Time or Full Time laborers and owners/officers of a corporation. Sole Proprietors and Limited Liability Company (LLC) members DO NOT count as employees, but can still choose to be covered. Owners and/or Officers of a corporation DO count as employees even if they choose not to cover themselves. In other words, a corporation with two owners and one employee is required to carry workers compensation coverage. Subcontractors DO NOT count as employees AS LONG AS they meet some or all of the following:

  1. The subcontractors has a separate business entity.
  2. They have their own workers comp insurance.
  3. The subcontractors can choose when to come to work.
  4. They provide their own tools and transportation.

If any of these items do not apply, the state may consider them to be employees for workers comp purposes regardless of whether you give them a 1099.

When calculating your North Carolina Workers Comp Quotes, keep in mind the following amounts if you choose to include any owners/officers in the coverage. Even if the owners/officers don’t draw a paycheck, these are the payroll amounts that will be counted for each owner who wants coverage.

  • $43,500 for Sole Proprietors, Partners, and Members
  • $44,200 Minimum and $88,400 Maximum for Officers


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