Workers Compensation in North and South Carolina

We offer workers' compensation insurance here at Carolina Premier Insurance LLC in Mint Hill, NC. Workers' compensation would cover the cost of medical expenses if an employee were to sustain an injury in the workplace or develop an occupational disease. This type of insurance will compensate employees for any wages lost until they can return to work.

Workers Compensation Requirements

Any business with three or more people is required to carry workers' compensation insurance in the state of South and North Carolina. This also applies to part-time employees. There are some exceptions, including:

Railroad workers since they are covered under federal policies
Domestic employees of a household
Farm laborers
Federal government employees

It is not mandatory but highly recommended if you are self-employed since it will supply you with partial wages that you wouldn't otherwise receive while you are recovering from an injury.

There are strict consequences for employers who fail to comply with the laws in South and North Carolina regarding workers' compensation insurance, such as fines and criminal prosecution.

Coverage

Workers' compensation benefits consist of:

Travel reimbursement related to medical expenses
Medical care by a chosen provider
Temporary or partial disability benefits until the employee makes a full recovery
Permanent partial benefits for lingering injuries such as back injuries
Permanent total disability benefits for employees who are not able to return to work
Death benefits for accidents that are fatal
Vocational rehab services

The majority of workers' compensation policies also consist of employer's liability insurance which can cover the costs of legal fees.

Quotes

To obtain a quote for workers' compensation insurance, visit Carolina Premier Insurance LLC today or give our office a call. We are located in Mint Hill, NC. Our agents are standing by, waiting to assist you.