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North Carolina
What the North Carolina authorities publish about business insurance, quoted directly, with a link and a date on every answer.
What the regulator says
Each answer below is what a named authority publishes, quoted so you can check it, with the date we last confirmed it against their page.
How many employees before North Carolina requires workers’ compensation coverage?
The North Carolina Industrial Commission states that in general, all businesses employing three or more employees on a regular basis are covered by the Act. The Commission publishes exceptions that bite below that count, including work involving radiation, where one employee is enough.
“all businesses employing three or more employees on a regular basis are covered by the Act”
North Carolina Industrial Commission ↗confirmed 2026-08-26
This is reporting, not advice. Rules change, and the authority above is the one that changes them — confirm your situation there or with a licensed producer before you act on it.