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Workers' compensation insurance provides a fair and equitable way to compensate for bodily injury and disease arising out of and in the course of employment. Coverage is required by the state of North Carolina for any business employing three (3) or more persons.

Note: Employee Exceptions
If a business is a sole proprietorship, partnership, LLC, estate or trust, then it is required by law to carry coverage once it has three (3) employees who are regularly employed, in addition to the sole proprietor, partners, formulators of the LLC, executor of the estate and bearer of the trust. It does not matter if these employees are full-time, part-time, regular seasonal or family members.

However, if a business is incorporated, including all forms of corporations and those that have nonprofit status, then it is required by law to carry coverage once it has a total of three (3) people in the corporation. Everyone is included in the head count, including corporate officers.

An agricultural operation must carry coverage when there are ten (10) or more regular, non-seasonal employees.

Any other business entity not mentioned above would use the three (3) or more employees rule.

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