In North Carolina, all employers with three or more employees are required to carry workers’ compensation insurance. However, for employers in the construction industry, the requirement applies if they have one or more employees. This coverage can be obtained through a private insurer or by qualifying for self-insurance if the employer meets specific criteria. Sole proprietors and partners are excluded from mandatory coverage but have the option to opt-in. Corporate officers and LLC members are also excluded unless they elect to be covered. North Carolina’s system ensures that injured workers receive necessary medical care, wage replacement, and rehabilitation services. The North Carolina Industrial Commission oversees compliance, enforcing regulations and imposing penalties on employers who fail to provide the required coverage, thereby protecting workers’ rights and benefits.