The Bollinger Law Firm, P.C.

When must employers have workers' compensation insurance?

When an employee in North Carolina is injured or made ill on the job, they may seek workers' compensation benefits to help them out financially while they recover. However, employees may wonder whether their employer must have workers' compensation insurance in place, and what may happen to their employer if they don't.

According to the state Workers' Compensation Act, any business that has either three employees or above must have workers' compensation insurance or be self-insured with the objective of providing injured or ill employees with workers' compensation benefits. This includes limited liability companies, corporations, partnerships and sole proprietorships.

However, there are some exceptions to this rule. The exceptions include households who directly employ domestic servants, people that are not carrying out job duties in the normal course of business (also known as casual employees), employees of the federal government in the state and workers of certain types of railroads, among others.

If an employer is required to have workers' compensation insurance and does not, they may be penalized. The employer may be fined, charged with a crime or even face incarceration. Because of this, it is important for employers to do their research and provide workers' compensation benefits when necessary. Employees injured or made ill due to their job duties deserve to pursue workers' compensation benefits. It is their employer's responsibility to keep their workplaces safe and provide employees with the equipment and training to do so. By keeping this in mind, employees can both be protected from dangerous conditions in the workplace, and, should an accident occur, they may be compensated.

Source:, "Employers' requirement to carry Workers' Compensation insurance," Accessed Oct. 12, 2014

No Comments

Leave a comment
Comment Information
Board Certified Specialist Super Lawyers AV | Peer Review Rated Avvo  Best lawyers | Best Law firms u.s News Bobby Bollinger | Best Lawyers | 2018
Email Us For a Response

Get A Free Consultation

Bold labels are required.

Contact Information

The use of the Internet or this form for communication with the firm or any individual member of the firm does not establish an attorney-client relationship. Confidential or time-sensitive information should not be sent through this form.


Privacy Policy

Our Office Location

The Bollinger Law Firm, P.C.
601 E. 5th St., Suite 250
Charlotte, NC 28202-3095

Toll Free: 866-218-4759
Phone: 704-879-1800
Fax: 704-373-1977
Charlotte Law Office Map