Who’s Required to Carry Workers’ Comp in NC Under the North Carolina Workers’ Compensation Act, employers with three or more employees — full-time, part-time, seasonal, or family — are required to carry workers’ compensation insurance. There are limited exceptions for…

Every North Carolina driver is required by state law to carry minimum auto insurance limits. Almost none of those minimums are enough to protect you in a serious accident. Here’s what the state requires, what it actually covers, and what…

Most North Carolina homeowners I talk to have one of two problems: they’re underinsured and don’t know it, or they’re paying for limits they don’t need. Both come from the same root cause — nobody walked them through the math.…

“Most contractors have no idea how their premium is calculated — or how much their experience mod is costing them. Here’s exactly how the math works.” Have you ever called several different agents, asking for a workers compensation rate quote,…