Workers Compensation Insurance
Workers Compensation is required by law in North Carolina if you have more than 2 employees. Being actively engaged in the growing business community in and around Charlotte, NC- we understand the unique workers comp insurance needs of both small businesses, running on shoe string budgets, and larger companies, looking for a combination of low cost and efficient service to counteract shrinking revenue and a need for increased productivity.
Small Business (up to $5M revenue)
Many small businesses in the Charlotte area take multiple approaches to keeping cost low and avoid workers comp by treating laborers as subcontractors in order to avoid having “employees”. When navigating these complex issues, you need expertise and honesty from an independent agent that can advise you of all the available options so you don’t get caught off guard. We can shop the market for the lowest workers comp quotes in Charlotte, North Carolina and the surround areas. Depending on the class codes, premiums around Charlotte, NC can start as low as $300-400/yr for clerical and low risk occupations, or as little as $900-1,000/yr for contractors. Contact us with questions about “ghost policies” and subcontractor relationships and we will help you find the best fit for your workers comp insurance needs. Get a quote today by submitting some basic information. We can accept down payments over the phone and have certificates issued the same day!
Medium and Large Corporations
For more established companies with a large number of employees, we have the expertise to help you control your cost by keeping your experience modification factor low and offering value added services such as “early return to work” programs and Preferred Employer Organization (PEO) shopping services. Not only can we shop for the lowest workers comp rates available in the market place, our resources and expertise can help you overcome past claims issues for high mod policies, or help you make sure your outstanding safety record is accurately reflected in your premium.
If you’re in Charlotte, Mooresville, Huntersville, Cornelius, NC or the surrounding areas, we would love to meet you and build a long lasting personal relationship to learn more about your business. However, don’t let geography keep you from getting the best rates and quality service. All quotes can be done over the phone or via email, and we are happy to come to you in order to learn more about your company. We currently have businesses insured throughout NC, SC, TN, & VA, so as long as your home office is in one of those states, we can quote your policies regardless of where your other locations may be.