Workers Compensation

Workers compensation is a form of insurance that provides medical benefits and wage compensation to employees who suffer work related injuries and illnesses.

A workers compensation and employers liability insurance policy contains three separate parts of coverage.

  1. Workers Compensation: The insurer agrees to pay the benefits imposed upon the insured by the workers compensation law of the state or states listed on the policy.
  2. Employers’ Liability: Protects the insured against liability imposed by law for bodily injury to employees in the course of employment that is not compensable under the workers compensation section.
  3. Other States Insurance: The insurer promises to reimburse the named insured for the benefits required by workers compensation law of the state listed in section 3.C of the information page if the insurer is not permitted to pay benefits directly to the person entitled to receive them.

Worker’s Compensation Requirements

So, who is required to carry workers compensation insurance? Check out this link for information from the North Carolina Industrial Commission explaining when you are required to carry workers compensation insurance.

Some factors that determine you workers compensation premium are:

  • The type of business you’re involved in. From construction and farming, to trucking, food service, retail, general business, and more
  • Payroll (must include payroll for 1099 workers if they do not provide you a certificate showing they have their own coverage)
  • Prior coverage and past experience

Contact Triangle Insurance

Triangle Insurance & Associates has access to numerous workers compensation carriers. So, no matter what your business you’re involved in, the amount of payroll you have, or your past experience, we can find the perfect coverage for you.

Fill out our contact form or call us today at one of our two locations, Louisburg 919-496-2239, or Kinston 252-522-2239 so we can find the right workers compensation policy for you.

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About Triangle Insurance

I wanted to write a note of "Thank you" to the entire Triangle Insurance staff for the level of customer service that you all provide! Your attention to detail and professionalism truly separates you from the competition, as you tailored a policy to fit our needs with better coverage along with saving us money. Triangle Insurance really cares about their client and it shows in the way that you operate in business!

- Brian Boyd, Charles Boyd Chevrolet

Triangle Insurance and Associates has been handling my insurance for the past few years. Last year, Jordan called to let me know she had shopped around for me after seeing that my family's premium for our coverage on our home and vehicles had been increased at renewal. She told me she found that she was able to save us several hundred dollars in premium for the same coverage by switching to a new carrier and had gone ahead and sent me the paperwork. Jordan did all this before I even opened the renewal letter showing the increase. This is the kind of service I have gotten used to since working with JM, Jacob and the rest of the good people at Triangle. They are friendly, knowledgeable, and great with communication. Several of my friends and clients have called to thank me for referring them to Triangle for their insurance.

- Justin Stainback, Franklinton, NC

Living and working 3 hours from home is a challenging task. Having an insurance company that reacts quickly and accurately when needed while looking out for my best interests is invaluable for a busy salesperson like myself. I have been a customer from day one and will continue to trust Triangle Insurance and Associates with all of my insurance needs moving forward.

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I am very pleased with Triangle Insurance & Associates. JM & Jacob helped me & my wife get new life insurance policies. They found me better insurance at a lower price. They are honest, reliable, knowledgeable and have a tremendous work ethic. We are very pleased.

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I have both my business and personal insurance with Triangle Insurance. The principal and staff are most timely and efficient with all transactions and I highly recommend them for any insurance needs.

- Gene Bobbitt, Bobbitt Surveying

We have several Companies that we manage and own. At first we were slightly apprehensive about letting this young company and young men handle our insurance needs. We soon learned that our apprehension was unfounded. During one of the hurricanes we had extensive damage to one of our rental homes. Triangle Insurance was on the scene even before I was. We were extremely pleased with the way the claim was handled and the professionalism of Triangle Insurance. We have had several claims after the hurricane damage that Triangle Insurance has handled the same way. My only regret is that we didn’t find Triangle Insurance sooner. Now we have much better coverage than before and the savings of about $25,000.00 per year is an added bonus. I would highly recommend Triangle Insurance for any and all insurance needs.

- Len Wester, Wester Farms LLC & Wester Farms Agricultural Transport LLC

I would recommend Triangle Insurance to anyone who has an insurance need whether it be commercial or personal. They are all professionals and always there when needed. J.M and Jordan assisted me through the process and accommodated all of my needs quickly. I look forward to continued business with Triangle Insurance.

- Nathan Perry, Perry Management, Inc.

Jacob, J.M, and the entire Triangle Insurance & Associates staff have always been extremely helpful and responsive to all of my various insurance needs. They take the time to find custom solutions rather than offer cookie-cutter options that may leave me either over-insured or, even worse, vulnerable to liability. I highly recommend Triangle Insurance & Associates to anyone looking to add new coverage and especially to those who are not 100% satisfied with their current rates or representatives. You won't be disappointed!

- Brian Smith, Raleigh, NC

We were referred to Triangle Insurance, but were a little skeptical since the guys were so young and the agency relatively new. But after our initial meeting, we were confident that they could do the job, and they have. They have been on top of things since the beginning and we would highly recommend them.

- Charles E. Ford, Jr. and Martha Ford Miller, Ford Enterprises, Inc.

I cannot say enough good things about Triangle Insurance & Associates! JM and Jacob are great to work with and their office staff is very knowledgeable and friendly! They have saved me money on all my policies that I have with them and I do not mind recommending them to anyone for all their insurance needs. They truly care about their clients and the customer service is outstanding!

- Tammy Brown Davis, Kinston, NC

When our house burned down in 2013, it was one of the worst experiences of our lives. We had no idea what we were going to do, or even where to start. However, Triangle Insurance & Associates was there the very next day. They were literally there from day one, and continued to assist us through the rebuilding of our home and with putting our lives back together. We could not have done it without their help and support.

- Kevin Stallings, Louisburg, NC