North Carolina Workers Comp Class Codes — 2026 NCCI Rates
North Carolina Workers Compensation | NCCI Advisory Rates | Bright Coast Insurance
About North Carolina Workers' Compensation
North Carolina workers' compensation insurance is regulated by the North Carolina Department of Insurance. The North Carolina Rate Bureau (NCRB) sets advisory rates for the state, which differ from NCCI states. Rates shown are NCRB loss costs effective April 1, 2026.
Coverage Requirements in North Carolina
North Carolina requires all employers with 3 or more employees to carry workers' compensation insurance. Employers in the construction industry with even 1 employee are subject to coverage requirements. Corporate officers may elect to exclude themselves from coverage.
Average Rate & Top Construction Class Codes
The average workers' comp rate in North Carolina is approximately $1.48 per $100 of payroll. Construction trades carry higher rates due to elevated injury risk. Below are the most common construction class codes:
| Code | Description | Rate |
|---|---|---|
| 5551 | Roofing - All Kinds | $5.40/$100 |
| 5645 | Carpentry - Detached Dwellings | $6.10/$100 |
| 5022 | Masonry NOC | $4.10/$100 |
| 5190 | Electrical Wiring - Buildings | $2.50/$100 |
| 5183 | Plumbing - All Operations | $2.30/$100 |
How to Calculate Your Premium in North Carolina
Your annual workers' comp premium is calculated as: (Total Annual Payroll ÷ 100) × Class Code Rate × Experience Modification Rate (EMR). New businesses typically start with an EMR of 1.0. A drug-free workplace program can reduce your rate by up to 5% in most states.
Get a Workers' Comp Quote in North Carolina
Bright Coast Insurance provides workers' compensation quotes for businesses in North Carolina and across the country. Call or text (239) 323-0785 or request a free quote online. Same-day certificates of insurance available for qualifying accounts.