Workers Compensation

Workers’ compensation laws protect people who are injured on the job. They are designed to ensure that employees who are injured or disabled on the job are provided with fixed monetary awards, eliminating the need for litigation.

Workers’ compensation insurance can help protect your business and employees in events such as these:

• An employee is injured in an auto accident while running errands for the company
• An associate develops carpal tunnel syndrome from working on the computer
• An employee gets hurt while restocking the supply room

Workers’ comp programs do not provide coverage for injuries that occur while an employee is not acting within the scope of employment – such as while playing football with friends on a day off.

The state of North Carolina requires that all businesses that employ three or more employees, including those operating as corporations, sole proprietorships, limited liability companies and partnerships, obtain workers’ compensation insurance or qualify as self-insured employers for purposes of paying workers’ compensation benefits to their employees.  Requirements may vary for each state.

If you subcontract work to a subcontractor who does not have workers’ compensation insurance, you may be liable for the work-related injuries of the subcontractor’s employees, regardless of the number of employees you or the subcontractor employs.

If You Fail to Carry Workers’ Compensation Insurance, You May:

• Face stiff financial penalties;
• Be charged with a misdemeanor;
• Be charged with a felony; and
• Be imprisoned.

Contact your Morrow Insurance agent to discuss your specific business requirements.