Skip to main content

Institute of WorkComp Professionals

7 Secrets that Cost Your Client a Bundle on their Workers' Comp

North Carolina Workers’ Comp: The 30-Day Rule That Kills Claims (and Settlements)

The 30-day notice rule: The importance of prompt injury reporting. Quick Takeaways The Trap: In NC, can an employee lose benefits if they don't report an injury in writing within 30 days? Yes. Most employers overlook this rule, which opens...

Continue Reading

North Carolina Farm Workers’ Comp: The 10-Person Trap That Can Ruin Your Farm

North Carolina Workers' Comp: Agricultural Exemption and the 10-Person Rule Quick Takeaways The Regular Employee Threshold: North Carolina's agricultural exemption from mandatory workers' comp coverage applies only to operations with fewer than 10 regular employees. Seasonal workers and uninsured labor...

Continue Reading

North Carolina Construction Audit: Is a $10,000 Typo Hiding in Your Payroll?

North Carolina Workers' Comp: Construction Payroll Classification and the Audit Split Rules Quick Takeaways The Default Highest-Rate Rule: In NC construction, auditors assign all of an employee's payroll to the highest-rated classification if the employee performs duties in multiple categories...

Continue Reading

North Carolina LLC Member Exemption: Your “Paper Shield” Will Fail You

North Carolina Workers' Comp: LLC Member Exemption and the Coverage Gap Quick Takeaways The Coverage Gap: North Carolina LLC members are excluded from workers' comp by default and do not count toward the three-employee threshold. But personal health insurance policies...

Continue Reading

North Carolina 3-Employee Rule: Is Your Small Business a ticking time bomb?

The North Carolina Three-Employee Rule: A Small Business Landmine Quick Takeaways The Trap: Thinking you're too small for workers' comp? That's a dangerous assumption. In North Carolina, officers and family members count toward the three-employee threshold. The Rule: Any business...

Continue Reading