Workers’ compensation
🦺Workers' Compensation Insurance
Employee thresholds and exceptions differ by state. North Carolina and South Carolina rules are stated separately. Classification questions can change whether a person counts.
Review employee counts →North Carolina — generally three or more
North Carolina generally requires workers’ compensation for businesses with three or more employees, subject to statutory exceptions and classification questions.
South Carolina — generally four or more
South Carolina generally requires it at four or more employees; part-time and family employees may count. Confirm exceptions with the Commission.
FAQ
Questions people ask
When is workers' compensation generally required in North Carolina? +
North Carolina generally requires it for businesses with three or more employees, subject to statutory exceptions and classification questions.
When is workers' compensation generally required in South Carolina? +
South Carolina generally requires it at four or more employees; part-time and family employees may count. Confirm exceptions with the Commission.
Carolinas Coverage Insurance Agency
410 Westinghouse Blvd, Suite B
Charlotte, NC 28273
North Carolina and South Carolina. Spanish and English contact paths.