Workers' Compensation in North Carolina

Supporting Your Employees After a Workplace Injury: Guidance From Our Durham Agency

Your employees are at the heart of your company. When one of them is hurt on the job or develops a work-related illness, workers compensation insurance helps cover their medical care and a portion of lost wages while they recover. Alpha Risk Management Services in Durham helps employers set up and manage this coverage.

What Does Workers Compensation Cover?

Policies generally help pay for medical treatment, lost wages, rehabilitation, and death benefits for families of employees who die from a work-related injury. Most policies also include employer's liability coverage, which can help if an employee files a lawsuit related to a workplace injury.

Is My Business Required to Carry It?

Most states require many employers to carry workers compensation, but the rules differ from state to state. Requirements can depend on the number of employees, the type of work, and how workers are classified. Because these rules can change, we recommend reaching out so we can review the current requirements where you operate.

How Is My Policy Built?

Your policy is based on factors like your payroll, the type of work your employees do, and your claims history. Accurate job classifications matter, and we help make sure your policy reflects your actual operations. Workplace safety programs can also help prevent injuries and keep your team healthy.

Does It Replace Other Coverage?

Workers compensation focuses on your own employees. Injuries to customers or visitors are typically handled by general liability insurance, and accidents in work vehicles may also involve commercial auto insurance. Together, these form an important part of your commercial insurance plan.