Category: North Carolina Workers Compensation Insurance

Workplace Ergonomics and Injury Prevention: How It Impacts Insurance Costs

Written By Charlotte Insurance on February 25, 2025. It has 0 comments.

a workers' compensation insurance claim form needed due to a lack of workplace ergonomics

Some workplaces tend to be more accident and injury prone than others. Manufacturing is obviously one of the most dangerous because the workers are around machinery all day long and are likely to get repetitive stress injuries due to repeating the same motions over and over during their shifts. Other industries, like construction, landscaping, and […]

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Want to Lower Your Workers Comp Costs? Lower Your Experience Mod.

Written By Charlotte Insurance on September 22, 2020. It has 0 comments.

two construction workers holding a paper and discussing ways to lower their workers' compensation insurance experience mod.

One of the most important costs for any business is often considered the one most out of your control — workers’ compensation insurance. You have more control than you realize. You just have to know what impacts your overall costs. With workers’ compensation, the most important factor in your premium is your experience mod. To […]

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Creating Safer Workspaces

Written By Charlotte Insurance on September 3, 2019. It has 0 comments.

hard hats belonging to a company that follows workplace safety guidelines

While you can’t prevent all accidents or workers’ compensation claims, you can create a safer workspace for your employees and yourself. Doing so will keep your employees out of harm’s way and your costs down. Here’s how you can create a safer work area for your employees. Provide Safety Training Common sense isn’t always common, […]

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Misclassifying Employees: A Risk Not Worth Taking

Written By Charlotte Insurance on January 18, 2018. It has 0 comments.

Misclassifying your employees as independent contractors can seem pretty tempting. You’ll pay less in federal and state taxes and for your workers’ compensation insurance. In the short term it might seem like a great cost-saver and way to increase your bottom line. But in the end, it’s really a terrible idea. Here’s why you shouldn’t misclassify employees — no matter how tempted you might be.

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The Importance of having a Trusted Workers Compensation Advisor

Written By Charlotte Insurance on February 27, 2015. It has 0 comments.

$18,250 – $36,500 in fines, even if there are no workplace injuries – that’s what you could expect if your business is caught without workers’ compensation insurance coverage for a year.

The North Carolina Workers’ Compensation Act requires most businesses with three or more employees to obtain workers’ compensation insurance with few exceptions. While your employees can opt out of coverage, you cannot. Not providing workers’ compensation can be a very expensive mistake.

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