Scope of Cover
State guide

North Carolina contractor insurance requirements

North Carolina licensing bonds, workers' compensation and subcontractor rules for contractors, each figure taken from the state's own agencies and statutes, with the date it was checked and a link to the source.

  • Sources verified
  • 2 guides
  • Edited by Eric Dawson

Key figures for North Carolina

3 employees Businesses employing three or more employees on a regular basis are generally covered by the North Carolina Workers' Compensation Act. as of Oct 2, 2026 · North Carolina Workers' Comp: Employee Threshold for Coverage
Source quote
In general, all businesses employing three or more employees on a regular basis are covered by the Act.
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1 employee Employers of one or more employees in activities involving the use or presence of radiation are required to have workers' compensation coverage. as of Oct 2, 2026 · North Carolina Workers' Comp: Employee Threshold for Coverage
Source quote
Employers of one or more employees who are employed in activities which involve the use or presence of radiation are required to have coverage.
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State requirements

North Carolina Workers' Comp: Employee Threshold for Coverage

Find out when North Carolina contractors need workers' comp. Learn the employee count that triggers the requirement and who counts as an employee.

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Explainers

North Carolina Workers' Comp Liability for Subcontractors

Explains when a general contractor is liable for an uninsured subcontractor's employees in North Carolina, including employee count rules and exceptions.

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Do I need workers' compensation insurance in North Carolina?
Pick your situation and see what the official sources say, with dates and links. Open the North Carolina checker

Where the North Carolina figures come from

Every figure on these pages is quoted from one of these publishers, with the retrieval date shown on the page that uses it.

  • North Carolina General Assembly
  • North Carolina Industrial Commission

Other states: California, Ohio