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Who is required to carry workers' compensation insurance?

Workers compensation insurance is designed to protect injured workers and workers otherwise harmed on the job, as well as their families. The North Carolina Workers' Compensation Act requires employers with three or more employees to carry workers' compensation insurance or qualify as a self-insured employer. The requirement includes corporations, sole proprietorships, limited liability companies and partnerships. Employers have the option to either obtain workers' compensation insurance or qualify as a self-insured employer.

Subject to certain exceptions, employers in North Carolina with three, or greater than three, employees are required to provide workers' compensation coverage for their employees. Different factors are evaluated to determine if an employer employs greater than 3 employees for purposes of workers' compensation. Employers who are required to do so, and fail to carry workers' compensation insurance, face serious penalties including financial penalties, criminal charges and possible imprisonment.

Workers' compensation insurance is valuable and important to many workers and their families. It is important that employers not only protect their workers by providing safe workplaces but also protect them in circumstances when they injured or otherwise harmed on the job through workers' compensation insurance. Workers' compensation provides assistance with medical expenses and lost wages associated with an on-the-job injury. Additional benefits may also be available depending on the circumstances such as vocational training or death benefits for family members following a fatal workplace accident.

The goal of workers' compensation is to provide workers with much-needed protections. Likewise, the legal process provides additional remedies to ensure that injured workers or workers otherwise harmed on the job are fully protected.

Source: North Carolina Industrial Commission, "Employers' requirement to carry Workers' Compensation Insurance," Accessed Nov. 30, 2013

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