Workers' comp
quotes for the Old North State,
delivered within 24 hours.

Yes. Under N.C. Gen. Stat. § 97-2, any business with three (3) or more employees — full-time, part-time, or seasonal — must carry workers' compensation insurance.

Agricultural employers with 10+ regular workers and any business handling radiation are also required to carry coverage. Sole proprietors, partners, and LLC members are typically excluded by default but can elect coverage for themselves.

The NC average is $0.84 per $100 of payroll, below the national average of $1.19. A small business with $250,000 payroll and a clean loss history typically pays $1,500–$2,800 per year — but a $250K payroll roofing company will pay closer to $28,000.

Class code is the single biggest driver. Clerical (8810) runs $0.21/$100; roofing (5551) runs $11.20/$100. That's a 53× spread on the same payroll.

The North Carolina Industrial Commission (NCIC) is the state agency that administers the Workers' Compensation Act, mediates disputes, and approves settlements. All NC injury claims and Form 19 reports route through the NCIC.

The NCIC also handles Form 60 (admission of liability), Form 61 (denial), and Form 18 (employee claim notice) — each with strict statutory deadlines we track for our clients.

Most quote requests are returned within 24 hours. After you submit your business details online, our team matches your risk to the right insurers and presents bindable quotes by the next business day — often the same day for clean clerical and small-business risks.

Once you've selected a quote, certificates of insurance (COIs) are issued the same day so you can hand them to a GC or landlord on the spot.

It depends. Under the NCIC's "principal contractor" doctrine, general contractors can be held liable for injuries to uninsured subs working on their projects.

Most NC GCs require a current certificate of insurance from every sub before the sub steps on site, or they include the sub on their own policy as an additional insured. We help structure coverage so you're not exposed at audit — when insurers will charge you for subs whose COIs you can't produce.

Penalties under N.C. Gen. Stat. § 97-94 include fines of $1 per employee per day uninsured (minimum $50, maximum $100 per day), criminal misdemeanor or felony charges depending on intent, and personal civil liability for the full medical and indemnity costs of any workplace injury — uncapped.

The NCIC can also issue stop-work orders that shut down active jobsites until coverage is bound and proven.

Yes. Most insurers pro-rate the unearned premium and refund the difference. We commonly help NC employers switch mid-term when they're overpaying — average savings on a switch is $1,640 per year.

The only catch: if you have an open claim or are mid-audit, we'll usually recommend riding out the term to avoid disrupting the file. We'll tell you straight which path saves you more.

NC uses NCCI experience rating once your policy hits $5,500+ in annual premium for any of the prior three years (excluding the current year). Your mod compares your actual losses to expected losses for businesses of your class and size.

A mod of 1.00 is "average" — below 1.00 saves you money, above costs you. Most ironside clients end up with mods at or below 0.90 within two renewal cycles after we review their claims data.