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North Carolina Workers Compensation Rates

Workers Compensation Insurance States North Carolina NC Workers Comp Rates


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North Carolina Workers Compensation Insurance

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When it comes to workers' compensation rates, North Carolina ranks near the middle of the national average.  A 2010 study ranks NC as the 23 highest in premium rates across the United States making their average rates 4% higher than the national mean.

At Workers Compensation, we know how to help employers find the lowest rates for coverage because we specialize in workers' comp insurance.  Consult with one of our licensed agents today and we'll make sure you get the best premium discounts and credits on your next workers comp quote.

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 NC Comp Rates


North Carolina Work Comp Rates for Common Class Codes

Class Code

Low Rate Fund Rate

0042 Landscaping

$4.14 $8.59

3632 Machine Shop

$2.69 $5.58

3821 Salvage Yard

$5.16 $10.71

5022 Masonry

$5.79 $12.02

5183 Plumbing

$4.50 $9.34

5190 Electrical

$4.81 $9.99

5221 Concrete Construction

$3.89 $8.08

5437 Carpentry/Trim

$5.43 $11.27

5474 Painting

$5.90 $12.25

5478 Flooring

$4.52 $9.38

5645 Carpentry NOC Residential Construction

$13.35 $27.71

7228 Short Haul Trucking

$8.71 $18.08

8006 Gas Station

$2.73 $5.67

8017 Retail Store

$1.79 $3.72

8742 Outside Sales

$0.40 $0.83

8810 Clerical

$0.21 $0.44

8832 Doctor's Office

$0.35 $0.73

8835 Home Health Care

$2.49 $5.17

9012 Building Operations by Owner

$2.96 $6.14

9014 Janitorial

$2.60 $5.40

9015 Building Ops by Contractor

$1.42 $6.14

9082 Restaurant

$1.40 $2.91

9083 Restaurant Fast Food

$1.42 $2.95

9102 Lawn Care

$2.68 $5.56

NC Workers Comp Rate Info

All workers compensation rates listed are the base manual rates.  Additional credit and debits may apply to policies:

Experience Modifiers

Your experience modifier will affect your base rates for workers compensation and his based on your historical losses.

A scheduled credit or debit may be applied by some carriers based on underwriting factors such as years in business, location, and owners prior experience.

Premium volume discounts are applied based the total amount of written premium.

Final rates for workers comp in North Carolina are established and approved by the North Carolina Insurance Department.


Learn more about workers compensation insurance in Alabama

Lower NC Comp Rates

Two easy tips for employers in North Carolina who want to reduce their workers compensation rates:  1) Owners may elect exclude themselves from coverage.  2) Ask your agent or insurance company for a premium discount if you have not had any claims during your last policy year.


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