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North Carolina Workers Comp Class Codes & Rates

North Carolina workers' compensation insurance is regulated by the North Carolina Department of Insurance (NCDOI). Rates are set by the North Carolina Rate Bureau (NCRB) and approved by the Commissioner of Insurance. North Carolina uses NCCI class codes.

Rating Org

NCRB / NCCI

Effective

2026-04-01

Avg Rate

$1.42

Codes Listed

86+

North Carolina requires all employers with 3 or more employees to carry workers' compensation insurance. Rates shown are NCRB 2026 advisory loss costs per $100 of payroll, effective April 1, 2026. Actual carrier rates depend on the loss cost multiplier (LCM).

North Carolina Workers' Comp Requirements & 2026 Rate Changes

North Carolina requires all employers with 3 or more employees to carry workers' compensation insurance. This is lower than many states — Florida requires 4 (non-construction) and Texas is optional. The lower threshold means more NC businesses are legally required to carry coverage than in most other states.

Rates are set by the North Carolina Rate Bureau (NCRB) and approved by the NC Commissioner of Insurance. The 2026 rates shown here became effective April 1, 2026. These are NCRB advisory loss costs — your carrier applies a loss cost multiplier (LCM) to arrive at the final rate. Most voluntary market carriers in NC have LCMs between 1.10 and 1.40.

NC construction employers face particularly strict enforcement. The NC Industrial Commission actively audits construction sites and can issue stop-work orders and fines for uninsured employers. Fines are assessed at $100 per day per uninsured employee.

Top North Carolina Class Codes

CodeTradeRate/$100
5551Roofing — All Kinds & Drivers$6.836
5403Carpentry NOC$2.125
5190Electrical Wiring Within Building$1.335
5183Plumbing NOC & Drivers$1.302
5537HVAC$1.563
8810Clerical Office Employees NOC$0.044
7380Drivers, Chauffeurs & Helpers$2.404
8742Salespersons — Outside$0.101
NC Rate Bureau (NCRB)·Advisory loss costs — carriers apply LCM for final rate·Effective April 1, 2026·Official filing
86 codes
CodeDescriptionRate / $100
0005Farm - Nursery Employees & Drivers$1.08
0008Farm - Vegetable & Drivers$0.88
0016Farm - Orchard NOC & Drivers$1.51
0034Farm - Poultry & Drivers$1.41
0035Farm - Florist & Drivers$1.01
0036Farm - Dairy & Drivers$1.62
0037Farm - Field Crops & Drivers$1.41
0042Landscape Gardening & Drivers$1.61
0050Farm - Cotton Ginning & Drivers$2.19
0079Farm - Hog Raising & Drivers$0.86
0083Farm - Cattle or Livestock Raising NOC & Drivers$1.66
0106Tree Pruning & Drivers$4.31
0113Farm - Tobacco & Drivers$1.39
0170Farm - Animal Raising NOC$0.95
0251Florists$1.84
0401Landscape Gardening - Maintenance Only$2.82
0771Nursery Employees & Drivers$0.17
1430Foundry - Iron or Steel$1.97
2001Sawmill$2.60
2021Grain Elevator$1.19
2039Textile - Cotton Ginning$1.15
2110Food Products Mfg$1.37
2501Bakery$0.91
2585Meat Packing$1.22
3004Iron or Steel Fabrication$0.64
3030Welding NOC$1.67
3081Machine Shop NOC$1.35
3220Plastics Mfg$0.73
3241Automobile Parts Mfg$1.29
3803Automobile Repair$1.06
4299Printing$0.70
5022Masonry NOC$3.00
5040Iron or Steel Erection - Frame Structures$2.94
5059Iron or Steel - Structural$5.26
5160Elevator Erection/Repair$1.00
5183Plumbing NOC and Drivers$1.30
5190Electrical Wiring Within Building and Drivers$1.33
5200Concrete Work - Floors, Driveways, Yards$1.62
5213Concrete Construction NOC$2.31
5403Carpentry NOC$2.13
5437Carpentry - Install Cabinet Work/Interior Trim$2.06
5474Painting or Paperhanging NOC$2.78
5507Street or Road Construction or Reconstruction$1.78
5535Sheet Metal Work - Installation & Drivers$3.23
5537Heating, Ventilation, Air Conditioning (HVAC)$1.56
5551Roofing - All Kinds & Drivers$6.84
5606Contractor - Executive Supervisor$0.38
5645Carpentry - Detached One & Two Family Dwellings$6.13
6204Drilling NOC & Drivers$2.52
6217Excavation and Drivers$1.87
6400Fence Erection - Metal$1.57
7219Trucking NOC$3.93
7222Truckers - Long Haul$3.43
7380Drivers, Chauffeurs & Their Helpers$2.40
7382Bus Company$2.68
7705Ambulance Service Companies & Drivers$2.32
8006Store - Grocery Retail$0.82
8010Store - Hardware$0.66
8017Retail Stores NOC$0.58
8018Store - Wholesale NOC$1.43
8039Department or Discount Stores$0.81
8044Store - Furniture & Drivers$0.97
8045Store - Drug Retail$0.32
8103Store - Clothing$0.96
8279Warehouse - Cold Storage$2.44
8288Store - Wholesale Grocery$2.47
8292Storage Warehouse NOC$1.34
8380Auto Service and Repair Center$0.75
8393Automobile Body Repair$0.68
8601Architects or Engineer Consulting$0.12
8742Salespersons, Messengers - Outside$0.10
8810Clerical Office Employees NOC$0.04
8820Attorney - All Employees$0.04
8832Medical Offices, Physician$0.13
8835Nursing - Home Health$0.79
9014Buildings - Operation by Contractor$1.04
9044Security Guards$0.51
9052Hotel - All Other Employees$0.57
9063Janitorial Services$0.26
9082Restaurant NOC$0.43
9083Restaurant - Fast Food$0.49
9170Janitorial Service by Contractors$3.84
9403Garbage and Refuse - Collecting in Containers$3.40
2160Distillery - Beverage Mfg$1.89
5651Carpentry - Detached One & Two Family Dwellings$6.13
1452Die Casting$2.01

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