{"id":3734,"date":"2010-10-08T09:00:20","date_gmt":"2010-10-08T09:00:20","guid":{"rendered":"http:\/\/www.duncanlawonline.com\/?p=3734"},"modified":"2010-10-08T09:00:20","modified_gmt":"2010-10-08T09:00:20","slug":"which-employers-need-workers-compensation-insurance","status":"publish","type":"post","link":"https:\/\/www.duncanlawonline.com\/staging\/8350\/which-employers-need-workers-compensation-insurance\/","title":{"rendered":"Do All Employers Need to Provide Workers' Compensation Insurance?"},"content":{"rendered":"

In short, it depends. According to North Carolina General Statute \u00a7\u00a7\u00a097-2(1)<\/a>,\u00a097-2(3)<\/a>,\u00a097-93<\/a> an employer must carry workers’ compensation insurance if:<\/p>\n

Three or more employees regularly employed in the same business or establishment, or<\/p>\n

One or more employees employed in activities which involve the use or presence of radiation, or<\/p>\n

If providing agriculture or domestic services, 10 or more full?time nonseasonal agricultural workers regularly employed by the employer<\/p>\n

\"Laptop<\/p>\n

This is to ensure that if an employee were to be injured on the job then the insurance company could handle the cost, therefore limiting the risk of the employer being insolvent and not being able to pay for treatment.\u00a0 This also ensures that the employee will receive compensation for their treatment sooner.<\/p>\n

However, there are some exceptions to this rule.\u00a0 One of these exceptions is when there is an independent contractor working for an employer.<\/p>\n

Since an independent contractor is not an employee, the employer does not have to provide workers’ compensation insurance for them.\u00a0 Since, technically, they are not an employee, the North Carolina Industrial Commission<\/a> does not have jurisdiction over this relationship.\u00a0 The definition for employee is defined by North Carolina statute \u00a797-2, but there are some easy ways to determine if you are an employee or an independent contractor.\u00a0 The first of these would be to look at the kind of tax form you receive.\u00a0 If you are receiving a W2 then you are most likely an employee, if you are receiving a 1099 then you are probably an independent contractor. \u00a0Also do you get paid overtime or certain hourly wages? Do you wear a uniform that the owner of the business has required you to wear?\u00a0These are all helpful ways to determine if your \u201cemployer\u201d must have workers’ compensation insurance\u00a0 in case you are injured on the job.<\/p>\n","protected":false},"excerpt":{"rendered":"

In short, it depends. According to North Carolina General Statute \u00a7\u00a7\u00a097-2(1),\u00a097-2(3),\u00a097-93 an employer must carry workers’ compensation insurance if: Three or more employees regularly employed in the same business or establishment, or One or more employees employed in activities which involve the use or presence of radiation, or If providing agriculture or domestic services, 10 … Read more<\/a><\/p>\n","protected":false},"author":3,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"nf_dc_page":"","_jetpack_memberships_contains_paid_content":false,"footnotes":""},"categories":[15],"tags":[],"class_list":["post-3734","post","type-post","status-publish","format-standard","hentry","category-workers-compensation"],"yoast_head":"\nNC Workers' Comp Insurance Requirements | Duncan Law<\/title>\n<meta name=\"description\" content=\"Not all NC employers must carry workers' comp. 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