--- title: North Carolina Workers Compensation Insurance & Coverage | Freedom Insurance in North Carolina description: Freedom Insurance Group, Inc offers workers compensation insurance. Let our agency help you with your unique compensation insurance needs. Serving Morganton and all of North Carolina. --- # Workers Comp Insurance ## from Freedom Insurance * * * ## Workers Compensation Insurance Workers Compensation pays for medical care and the physical rehabilitation of employees injured at work, and helps to replace lost wages while they are unable to work. In most cases, this type of coverage also protects an employer from lawsuits from injured employees. A proper workers compensation policy results in more confident and secure employees, more productive workplaces, and even savings that your business could see on the bottom line. If your employees are using their own vehicles on the job, you should consider workers compensation insurance to make sure you’re protected against incidents that could arise. Workers Compensation can cover a broad range of services and cases, including: - **Medical coverage** - includes medical expenses for doctor, hospital and nursing care, medications, diagnostic tests, physical therapy, and medical equipment - **Disability** - provides partial reimbursement of wages lost during a temporary or permanent disability - **Rehabilitation** - includes vocational training for workers who must change their line of work due to their injury - **Death** - provides a death benefit to the surviving spouse and minor children of a worker who is killed on the job - **Legal staff** who are required in association with an injury sustained on the job Accidents happen. Make sure they don’t undo everything you’ve worked so hard to build. [Contact us](/contact) to find out how to get the workers compensation insurance that’s right for your business. * * * ## Insurance Quotes Give us some info and we'll help you find the best coverage options. [Request a Quote](/business-insurance/workers-comp/quote) ## Insurance Partners [Aegis Insurance — Allstate — American Integrity Insurance Co — American Modern — AmTrust Financial — BiBerk Insurance company — Canal Insurance — Chubb — Dairyland Insurance — Discovery Insurance — Farmers — Foremost Insurance — Frank Winston Crum Insurance — Hagerty — Heritage Insurance — Hiscox — Hiscox Insurance — Homeowners of America Insurance company — Liberty Mutual — National General Insurance — Nationwide — NC Grange Mutual Insurance — Orion 180 — Philadelphia Insurance — Progressive — The General Insurance — The Hartford — Travelers — Universal Property & Casualty Insurance — Utica National Insurance — Zurich](/insurance-companies) ## Start Your Workers Comp Insurance Quote Freedom Insurance strives to offer you quality insurance coverage, a high level of professional service and a long-term relationship. As independent insurance agents in North Carolina, we’ll research rates and coverage from top insurance companies to find the best insurance rates and insurance plans for you. We do the insurance shopping and comparing for you to save you time and money on your workers comp insurance. * * * ### Want to talk to an agent first? **Call us - we love talking about insurance!** [Contact Our Office](/contact) (A form appears here on the HTML version of this page.) ## From Our Blog [View More Articles](/blog) [**How to Protect Your Home During a Power Outage** — Power outages can happen with little or no warning and may last anywhere from a few minutes to several hours or longer. While most outages are temporary inconveniences, they can also create risks for appliances, electronics, food, plumbing, and other parts of your home. — A little preparation can… — Aug 13](/blog/2026/how-to-protect-your-home-during-a-power-outage) [**What to Consider Before Renovating Your Commercial Space** — Renovating a commercial space can improve functionality, update the appearance of your business, and create a better environment for employees and customers. Whether you are making a few targeted improvements or completing a major remodel, careful planning can help keep the project on track. —… — Aug 13](/blog/2026/what-to-consider-before-renovating-your-commercial-space) [**Signs Your Business Has Outgrown Its Current Space** — As businesses grow, their space needs often change. A location that once felt like the perfect fit can eventually become crowded, inefficient, or limiting. While moving to a larger facility is a significant decision, recognizing the signs early can help business owners plan ahead and avoid… — Aug 3](/blog/2026/signs-your-business-has-outgrown-its-current-space) ```json {"@context":"https://schema.org","@graph":[{"@type":"Service","@id":"https://www.freedominsurancenc.com/business-insurance/workers-comp#service","url":"https://www.freedominsurancenc.com/business-insurance/workers-comp","name":"Workers Comp Insurance","serviceType":"Workers Comp Insurance","description":"Workers Comp Insurance quotes from multiple insurance companies in North Carolina.","provider":{"@id":"https://www.freedominsurancenc.com/#organization"},"areaServed":[{"@type":"State","name":"North Carolina"},{"@type":"City","name":"Morganton","address":{"@type":"PostalAddress","addressLocality":"Morganton","addressRegion":"North Carolina"}},{"@type":"City","name":"Lenoir","address":{"@type":"PostalAddress","addressLocality":"Lenoir","addressRegion":"North Carolina"}},{"@type":"City","name":"Hickory","address":{"@type":"PostalAddress","addressLocality":"Hickory","addressRegion":"North Carolina"}}],"image":{"@type":"ImageObject","@id":"https://www.freedominsurancenc.com/business-insurance/workers-comp#image","url":"https://webtricity-assets-1.wbtcdn.com/images/s/pexels-sejio402-29288255n-1170x780.b3f4561bcf08aa424e61f1eabbfc21c6328b458565a0be67b25d0e4749f947de.jpg","width":1170,"height":780}},{"@type":"Organization","@id":"https://www.freedominsurancenc.com/#organization","url":"https://www.freedominsurancenc.com/","name":"Freedom Insurance"},{"@type":"WebPage","@id":"https://www.freedominsurancenc.com/#webpage","url":"https://www.freedominsurancenc.com/","name":"North Carolina Workers Compensation Insurance & Coverage | Freedom Insurance in North Carolina","description":"Freedom Insurance Group, Inc offers workers compensation insurance. 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