What Happens When Your Employer Doesn’t Have Workers’ Comp?

NC employers with three or more employees are required by law to provide workers’ compensation insurance or certify that they can financially cover the potential costs of employees’ injuries.

NC Industrial Commission

The NC Industrial Commission doesn’t automatically request proof of an employer’s workers’ comp insurance policy. Anyone hurt on-the-job in NC wants to know their legal rights, however injured employees have even more legal questions if they find out their employer doesn’t have workers’ comp insurance. Find a NC workers’ comp lawyer at one of our three personal injury offices in Raleigh, Fayetteville or Dunn who will give you a free consultation. Even if your NC workers’ comp claim has been denied, we will review your work injury case no matter how many times your claim was denied or where you reside in North Carolina. Our workers’ comp attorneys help injured workers in a variety of industries, from back injuries on NC construction sites to brain trauma from workplace slip-and-fall accidents.

Dangerous Jobs

Hazardous occupations, like agriculture, have attracted a lot of attention in NC in 2011 and 2012. Organizations started that focus on spreading awareness about dangerous jobs on farms that are injuring workers of all ages. Over the years, other notoriously dangerous businesses, like construction, enforce certain regulations with workers’ comp. Building permits are not issued in NC unless the construction company provides documentation of their workers’ comp policy.

NC Workers’ Comp Insurance

Even if an employer says they’re fully insured, employees should request verification in writing—especially if they’re working in a potentially hazardous environment. Employers who do not have workers’ comp insurance may be directly responsible for providing lost wages, covering medical bills and costs for long-term treatments if any of their employees is hurt on the job. Sometimes businesses think they’re saving money by not paying for a workers’ comp policy, but expenses for an injured worker mount and can easily drive a business to bankruptcy.

NC Workers Comp Attorneys

Injured workers who have uninsured employers can still file a workers’ comp claim and learn about programs in their towns that can help cover their living expenses. Brent Adams & Associates answers injured workers questions at free consultations for anyone who was hurt at work in North Carolina. Brent Adams’ personal injury law firm operates workers’ comp law offices in Raleigh, Fayetteville and Dunn. Schedule a free review of your NC injury claim at 800.849.5931.
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