☰ ˟
Contact Us Today / (704) 847-4438
Dean, Heckle & Hill, Inc.
  • Home
  • Personal
    • Auto Insurance
    • Home Insurance
    • Motorcycle
    • Recreational Vehicle
    • Boat & Watercraft
  • Business
    • Bonds
    • Commercial Auto Insurance
    • Cyber Liability Insurance
    • D & O Insurance
    • Errors & Omissions
    • General Liability Insurance
    • Professional Liability Insurance
    • Workers Compensation
  • Life and Benefits
    • Annuities
    • Disability Insurance
    • Employee Benefits
    • Health Insurance
    • Individual Dental
    • Life Insurance
    • Retirement Plans
    • Supplemental
  • Get A Quote
  • Customer Service
    • Our Companies
    • File a Claim
    • Make a Payment
    • Request a Change
  • Blog
  • About Us
    • About Dean, Heckle & Hill
    • Location Map
    • Employee Directory
    • Reviews
    • Refer a Friend
    • Privacy Policy
  • Contact
What type of coverage do you need?
Home > Blog > Employers' Requirement To Carry Workers Compensation Insurance
MONDAY, JUNE 4, 2018

Employers' Requirement To Carry Workers Compensation Insurance

Gavel and Law Books

The North Carolina Workers Compensation Act requires that all businesses that employ three or more employees, including those operating as corporations, sole proprietorships, limited liability companies and partnerships, obtain workers compensation insurance or qualify as self-insured employers for purposes of paying workers compensation benefits to their employees. Exceptions to this requirement include (a) employees of certain railroads; (b) casual employees, i.e., persons whose employment is both casual and not in the course of the trade, business, profession or occupation of the employer; (c) domestic servants directly employed by the household; (d) farm laborers when fewer than 10 full-time, non-seasonal farm laborers are regularly employed by the same employer; (e) federal government employees in North Carolina; and (f) "sellers of agricultural products for the producers thereof on commission or for other compensation, paid by the producers, provided the product is prepared for sale by the producer.".

Businesses in which one or more employees are employed in activities which involve the use or presence of radiation are required to have workers compensation coverage.

Individuals who are sole proprietors, members of LLCs, and partners are not automatically counted as employees. Corporate officers may elect to be excluded from coverage but are still counted in determining whether a business has three or more employees. Executive officers, directors, or committee members of a non-profit corporation are also not automatically counted as employees so long as they meet certain requirements under the North Carolina General Statutes.

An employer is not relieved of its liability under the Act by calling its employees "independent contractors." Even if the employer refers to its workers as independent contractors and issues a Form 1099 for tax purposes, the Industrial Commission may still find that the workers were in fact employees based upon its analysis of several factors, including but not limited to the degree of control exercised by the employer over the details of the work.

If you subcontract work to a subcontractor who does not have workers compensation insurance, you may be liable for the work-related injuries of the subcontractor's employees, regardless of the number of employees you or the subcontractor employs.

If You Fail To Carry Workers Compensation Insurance, You May:

  1. Face stiff financial penalties
  2. Be charged with a misdemeanor
  3. Be charged with a felony
  4. Be imprisoned

Contact Dean, Heckle & Hill, Inc. if you are unsure of your responsibilities as an employer and to purchase or review coverage.

(Article Courtesy: North Carolina Industrial Commission)

Posted 1:00 PM

Tags: workers compensation insurance, business insurance, coverage, insurance, regulations, north carolina, requirements, dean heckle and hill
Share |


No Comments


Post a Comment
Required
Required (Not Displayed)
Required


All comments are moderated and stripped of HTML.

NOTICE: This blog and website are made available by the publisher for educational and informational purposes only. It is not be used as a substitute for competent insurance, legal, or tax advice from a licensed professional in your state. By using this blog site you understand that there is no broker client relationship between you and the blog and website publisher.
Blog Archive
  • 2021
  • 2020
  • 2019
  • 2018
  • 2017

  • insurance(29)
  • dean heckle and hill(25)
  • business insurance(24)
  • coverage(22)
  • protection(11)
  • general liability insurance(8)
  • commercial auto insurance(7)
  • auto insurance(6)
  • tips(6)
  • car insurance(5)
  • workers compensation insurance(5)
  • safety(5)
  • bop(4)
  • workers compensation(3)
  • liability(3)
  • business owners policy(3)
  • claims(2)
  • filing(2)
  • drivers(2)
  • general liability(2)
  • advice(2)
  • rates(2)
  • cyber liability insurance(2)
  • commercial insurance(2)
  • dean heckle hill(2)
  • home insurance(2)
  • business owners insurance(2)
  • insurance claims(1)
  • summer(1)
  • fraud(1)
  • stores(1)
  • life insurance(1)
  • requirements(1)
  • medical expense coverage(1)
  • fleet insurance(1)
  • annuity(1)
  • plans(1)
  • workers comp(1)
  • dean heckle & hill(1)
  • injuries(1)
  • social engineering. funds transfer fraud(1)
  • hurricane warning(1)
  • traveling pet service(1)
  • credit score(1)
  • emergency planning(1)
  • tires(1)
  • cost(1)
  • premiums(1)
  • reporting(1)
  • claim(1)

View Mobile Version

Our Reviews 

Our latest blogs

  • Cincinnati Insurance
  • Liberty Mutual
  • Nationwide
  • The Hartford
  • Travelers
  • Kemper
  • Progressive
  • Blue Cross Blue Shield
Dean Heckle & Hill, Inc
608 Matthews-Mint Hill Rd. Suite C
Matthews, NC 28105
As an independent insurance agency, we are not limited to placing your insurance with one company. We represent over 50 of the most desirable companies and have selected those companies based on their expressed dedication to offer us competitive products and quality service. We contact those companies for you to find the best coverage and the best possible price.

We also serve these communities: Charlotte, Matthews, Mint Hill, Weddington, Marvin, Ballantyne, Indian Land, and Fort Mill.

We're here for you
Home Page/ About Us/ Contact Us/ Our Blog/ Latest News/ Join Our Newsletter/ Refer A Friend
Quick Help Links
Quote Forms/ Service Forms/ File a Claim/ Make a Payment/ Insurance Glossary/ FAQs
About Us Employees
Trusted Choice
Contact Blog Search
Facebook LinkedIn Twitter
© Copyright 2019. All rights reserved. Powered by Insurance Website Builder