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Technology Business Insurance in North Carolina

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What are the insurance requirements for technology businesses in North Carolina?

State laws can affect which policies you need for your technology business. These policies are required for North Carolina businesses.
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Workers' compensation insurance

North Carolina state law requires technology businesses with three or more employees, full-time or part-time, to carry workers’ compensation insurance. This policy covers medical bills for work injuries and illnesses.

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Commercial auto insurance

Vehicles owned by technology businesses in North Carolina must be covered by commercial auto insurance. North Carolina’s commercial auto insurance requirements are:

  • Bodily injury liability: $30,000 per person / $60,000 per accident
  • Property damage liability: $25,000 per accident
  • Uninsured motorist coverage: $30,000 per person / $60,000 per accident / $25,000 property damage per accident

Though it's not required, personal vehicles driven for work purposes should be covered by hired and non-owned auto insurance, as personal auto policies usually exclude business use. It can be added to general liability insurance or a business owner's policy.

How much does business insurance cost for technology professionals?

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Commercial insurance can be affordable for a small North Carolina tech company. Factors that influence the cost include:

  • Your industry and risk
  • Coverage limits
  • Location
  • Number of employees
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We specialize in business insurance for North Carolina technology professionals

Our agents are experts in insurance for North Carolina tech businesses. They can help you find policies that fit your company and fulfill state requirements. TechInsurance is licensed by the North Carolina Department of Insurance as BIN Insurance Holdings, LLC (NPN 15752926) for property and casualty insurance and for surplus lines. You can verify our licensure with the Department of Insurance on its Licensee Look-up page by selecting “Business Entity” in the first dropdown and then entering our North Carolina state license, 1000087158.

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