Workers' compensation insurance provides a much-needed lifeline for workers who are injured in on-the-job accidents or develop occupational diseases. Unfortunately, a recent News and Observer study revealed that tens of thousands of North Carolina employers do not carry adequate workers' compensation coverage.
State law requires all employers with more than three employees to carry workers' compensation insurance. According to the North Carolina Department of Commerce, there are 170,000 employers in the state which have more than three employees. However, the North Carolina Rate Bureau reports that there are only 140,000 businesses that have purchased workers' compensation coverage. Another 177 large companies are self-insured.






