Workers’ Compensation Coverage for Your 
North Carolina Clients

Stonetrust considers qualifying North Carolina businesses across a range of industries, large and small. Agents can contact our underwriting team to discuss a specific account or review our class codes here.

North Carolina has specific workers’ compensation requirements that may affect contractors and subcontractors. Principal contractors should verify that subcontractors maintain workers’ compensation coverage, or they may be liable for injuries to subcontractors’ employees in certain circumstances. Agents can help clients understand their coverage needs and documentation requirements.

Yes. Stonetrust provides workers’ compensation coverage across more than 14 states and can consider qualifying businesses with operations in multiple states.

Agents work with an experienced, collaborative underwriting team that can help evaluate accounts, answer coverage questions, and support the submission process.

Stonetrust’s in-house claims professionals work with agents, employers, injured employees, and medical providers to help manage claims efficiently and support safe return-to-work outcomes.

Yes. Stonetrust offers safety consultations, training, assessments, and other loss-prevention resources designed to help insureds identify risks and reduce workplace injuries.

North Carolina businesses with three or more employees are generally required to carry workers’ compensation insurance, although certain exceptions may apply. Requirements can vary based on business structure, industry and employment circumstances. Agents should review each client’s needs individually.