Workers compensation insurance is required here in NC and SC when businesses have employees. It is not only beneficial for employees but employers as well because it protects both the business as well an employees. Nobody wants to lose their business due to an employee related injury and possibility of a law suit. Understanding what you need and what the laws are in your state can be difficult but there is help available.


Workers compensation insurance is regulated and mandated by each state. It is not regulated by federal law. Each state has specific laws in place that must be followed where the business resides. It is important that you as an employer follow the laws that are set up by your state. If you have a business in more than one state you are still required to abide by each state’s mandates for workers compensation insurance. Federal employees are covered under federal directed workers compensation laws.

One of the reason that this can be a confusing area as to who regulates workers compensation is because the federal government has other laws in place to protect employees in the work place. These are known as OSHA or Occupational Safety Health Administration which purpose is to regulate private industry to see that a safe and healthy work place is adhered to. OSHA also covers public sector as well.  For some states the OSHA approved state programs are used to see that their standards are met. OSHA is not insurance but is there to see that employees have a workplace free from serious hazards.

Workers compensation insurance comes into play when employees are hurt on the job. It helps to cover medical expenses and time lost for employees. Each state regulates the number of employees that requires you to carry this insurance and can range from one to more. It is your responsibility as employer to check with your state to see that you meet the requirements. Having a company that is knowledgeable about the laws that govern this insurance can save you time and money. Such a company can also help you through the steps necessary when this insurance is needed.

Any industry or business needs to be diligent on checking the laws that regulate workers compensation for their state. Preventing law suits and saving money is beneficial for the employer while employees needs both medical and financial once an accident has occurred. Injuries can occur when you least expect them. Please ask questions, visit our Facebook site or leave a comment. We do love to hear from you!