Workers Comp Rates in North Carolina (NC)

North Carolina workers comp rates are approximately 5% below the national average. Here's what North Carolina business owners need to know about classification and premiums.

North Carolina Workers Comp Overview

North Carolina has its own rating bureau (NCRB) and requires coverage for businesses with 3+ employees. Rates are below average, but misclassification still adds up for larger employers.

How North Carolina Rates Compare

With a state modifier of 0.95x, a business in North Carolina paying $10,000 in base premium nationally would pay approximately $9,500 in NC. This makes proper classification even more important in North Carolina — every misclassified employee costs more.

The most impactful thing a North Carolina business owner can do is ensure that office, clerical, and administrative employees are coded separately from their operational staff. In NC, the difference between a clerical code (8810 at $0.16/$100) and a construction code (5403 at $9.42/$100) is massive — and that gap is amplified by the state modifier.

This guide is for informational purposes only and is not insurance advice. North Carolina rates and requirements are subject to change.