Navigating North Carolina Workers Compensation Laws

Navigating North Carolina Workers Compensation Laws


October 4th, 2023


In the specialized trucking world, understanding the legal requirements can be complex and often confusing.  However, maintaining compliance with these laws is essential to ensure the smooth operation of your Motor Carrier client's business and to provide peace of mind for all involved parties.  One such requirement that demands our attention is Workers Compensation Insurance in North Carolina.


Who Needs Workers Compensation Insurance?


According to North Carolina law (N.C. Gen. Stat. § 97-19.1), Workers Compensation coverage must be in place for certain Owner Operators, even if they are classified as Independent Contractors.  This requirement isn't limited to large companies; it applies irrespective of whether the principal contractor, intermediate contractor, or subcontractor regularly employs three or more employees.


So, what does this mean for Motor Carriers based in North Carolina?  Simply put, if an Owner Operator does not have Workers Compensation coverage, the responsibility to provide it falls on the Motor Carrier.


Exceptions to the Rule


With every rule, there are exceptions, and the same applies to the requirement of Workers Compensation Insurance.  A Motor Carrier is not liable for injuries to an Owner Operator who is individually licensed by the U.S. Department of Transportation (i.e., holds their own authority) and personally operates the vehicle.


While this may seem like a slight distinction, it can make a significant difference in the responsibilities of a Motor Carrier.


Insurance Solutions for Owner Operators and Motor Carriers


Navigating insurance requirements can be daunting for any Insurance Agent and their Motor Carrier clients.  The good news is that resources are available to help simplify the process.  Workforce Insurance Underwriters, in partnership with Gig Worker Solutions, offers Workers Compensation Insurance to North Carolina-based Owner Operators for $175 per month.  This includes Owner Operators leased to a Motor Carrier, who have their own authority or are Contract Drivers of a Fleet Owner.


Insurance products offered by Workforce Insurance Underwriters are designed to meet the needs of Motor Carriers and their Owner Operators, ensuring they have the essential coverage they require.  Through high-quality products, low-touch operations, and an emphasis on innovation, Workforce Insurance Underwriters provides peace of mind to its clients, allowing them to focus on their core business operations.


Stay Informed and Stay Covered



The trucking world is dynamic, with ever-changing regulations and requirements.  As an Insurance Agent with Motor Carrier clients, staying informed and ensuring you meet all the requirements is critical.


When you're ready to ensure your client's business is fully covered, contact the experts at Workforce Insurance Underwriters.  With their expertise and commitment to high-quality service, you can easily and confidently navigate the complex world of insurance.


To learn more about Workforce Insurance Underwriters, book a meeting with an industry expert by clicking here. 


Follow us @workforceinsurance on LinkedIn, Facebook, Instagram, and YouTube.

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