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COVERAGE / WORKERS' COMP / STATES / NORTH CAROLINA
WORKERS' COMP · NORTH CAROLINA

Workers' comp in North Carolina.

North Carolina requires workers' comp from 3 employees, with conditions. North Carolina's own rating bureau uses NCCI's codes. You buy coverage from carriers.

REQUIRED
From 3 employees, with conditions
RATING BUREAU
NCRB
CLASS CODES
NCCI codes
BUY FROM
Carriers
WHO MUST CARRY IT

Required from 3 employees, with conditions.

The rule

North Carolina requires workers' comp from 3 employees. North Carolina's rule: regularly employed; corporate officers count; 1 or more where work involves radiation. Only employees in North Carolina count toward it.

Source: North Carolina Industrial Commission, Employers, checked October 5, 2026.

Coverage rules: North Carolina Industrial Commission, Employers, checked October 5, 2026.

CLASS CODES HERE

North Carolina's own rating bureau uses NCCI's codes.

Rating bureau

North Carolina has its own rating bureau, the North Carolina Rate Bureau (NCRB).

North Carolina Rate Bureau (NCRB)

Class system

NCCI's codes, in North Carolina's own manual.

Manual: NC Basic Manual for Workers Compensation and Employers Liability

Codes on our pages

Not confirmed for North Carolina: its bureau's manual uses NCCI's codes, and which codes on our pages it lists is not checked. An advisor confirms your class codes.

All class codes, by industry

List: NCRB, Workers Compensation Rate Filings, read from an archived copy dated March 8, 2026; not confirmed for the codes on our pages.

ESTIMATE YOUR PREMIUM

Your payroll, your rate, before discounts and assessments.

Your rate comes from carriers that actively write the class.

Payroll in this class
Codes on our pages; not confirmed for North Carolina. An advisor confirms your class codes.
Gross pay for the work in this class. Pre-tax deductions (401(k), Section 125) count. Overtime premium (the extra half) usually does not. Check your state's rules.
For the cost per employee.
PAY FREQUENCY
Your rating
From your quote or policy. Where loss costs are filed instead of rates, as in Texas, they leave out the carrier's expenses and are lower than your rate.
Compares your payroll and claims with the average employer in the same class codes. At 1.00 premium is unchanged; below 1.00 it drops, above 1.00 it rises.
SCHEDULE RATING
0 if your quote shows none.
If your quote shows one.
ESTIMATED ANNUAL PREMIUM · THIS CLASS
Enter your rate
Before discounts and assessments.

Worklio Insurance bills pay-as-you-go comp with each payroll, no deposit; the audit usually confirms what you've already paid.

Not included: premium discount on larger policies, state assessments, terrorism and catastrophe charges, minimum premium.Get a real quote

COMMON QUESTIONS

Do I need workers' comp in North Carolina?
Yes. North Carolina requires workers' comp from 3 employees. North Carolina's rule: regularly employed; corporate officers count; 1 or more where work involves radiation. Only employees in North Carolina count toward it.
Who sets class codes in North Carolina?
North Carolina's own rating bureau, the North Carolina Rate Bureau (NCRB). NCCI's codes, in North Carolina's own manual. An advisor confirms your class codes.
Is Worklio Insurance licensed in North Carolina?
Worklio Insurance Services LLC's producer is licensed in North Carolina, and the agency license there has been applied for. See insurance licenses

SOURCES

Figures as of February 8, 2026.

For planning, not a quote or a classification ruling. An advisor confirms your class codes with your carrier.

MORE ON WORKERS' COMP

ALL STATESWorkers' comp by stateWho must carry it, who sets class codes and where to buy, in each state.ALL CLASS CODESEvery code, by industryOffice, sales and the codes for each industry we serve.COVERAGEWorkers' compPay-as-you-go premiums billed with each payrollWORKLIO HCMPayroll taxes in North CarolinaEmployer payroll tax rates, on Worklio HCM.

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