A system of compensation for work-related injuries or death, paid for by employer compensation insurance contributions. Premiums are based on the number of employees, the type of business and the incomes of each employee. Workers compensation is required for all businesses in North Carolina with 3 or more employees.

An owner can opt out of coverage for themselves and some will choose to do this to reduce costs. If they make this choice we recommend they have medical and disability income insurance coverage for themselves.