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

Comprehensive Protection for Your People—and Your Business

With nearly 40 years in business and deep roots across the Carolinas, we make it easy to get auto insurance that feels personal—and performs when it matters most.

Support for Compliance Confidence
Workers’ compensation laws vary across states. We help you stay compliant while protecting your team.

Risk Management Tools Built In
From claims assistance to safety program support, we offer tools that help reduce injuries—and premiums.

Coverage That Scales With Your Team
Whether you have two employees or two hundred, we match your coverage to your growth.

Service That Speaks Business
We work with business owners every day, so we speak your language and get your urgency when claims happen.

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).

Protect Your Team and Your Business with The CRIG