Protect Your Employees—Protect Your Business
Your team is your business's most valuable asset. Workers' Compensation Insurance from The Catawba River Insurance Group helps businesses across Hickory, Charlotte, Lenoir, Blowing Rock, and beyond safeguard employees—and stay compliant with North Carolina and South Carolina laws. Whether you have one employee or one hundred, we’ll help you find affordable, effective protection.
What Workers’ Compensation Insurance Covers
Workers’ compensation policies are designed to protect both employers and employees by covering costs associated with workplace injuries and illnesses.
- Medical expenses related to work injuries or occupational diseases
- Lost wages during an employee’s recovery
- Disability benefits (temporary or permanent)
- Death benefits for surviving dependents
Who Needs Workers’ Compensation Insurance?
In North Carolina and South Carolina, most businesses with three or more employees are legally required to carry workers’ compensation insurance. Even if you’re not legally mandated, providing this protection shows your employees you value their well-being—and protects your business from costly claims.
- Construction companies and contractors
- Professional offices and medical practices
- Retailers, restaurants, and service businesses
- Manufacturing and warehouse operations
Helping Businesses Across Hickory, Charlotte, Lenoir, and Blowing Rock Stay Compliant and Covered
Hickory • Charlotte • Lenoir • Blowing Rock • Mooresville • Statesville • Asheville • Boone • and beyond
FAQs
Is workers’ compensation required for small businesses?
In North Carolina and South Carolina, it’s required for businesses with three or more employees. Even smaller businesses can benefit from this essential protection.
What types of injuries are covered by workers’ comp?
Work-related injuries, illnesses, repetitive stress injuries, and occupational diseases are typically covered.
Does workers’ compensation insurance cover independent contractors?
Generally, no—but misclassification can lead to fines. We'll help ensure you're compliant.
How are workers' comp premiums calculated?
Premiums are based on payroll, job classifications, and your claims history (experience modification rate).