North Carolina
Certificate of insurance tracking for North Carolina contractors
North Carolina has a rule that makes certificates matter more than most states. Under G.S. 97-19, a contractor who sublets work without getting the sub’s workers’ comp certificate can be liable for the sub’s employees’ comp. Get the certificate before you sublet and you’re protected for the term it covers. We track those certificates for North Carolina GCs.
In this section
Why North Carolina is different
Most states let you rely on a sub’s say-so until something goes wrong. In North Carolina the statute turns the certificate into your protection. No certificate before you sublet, and you can end up paying like the sub would. A certificate that runs out mid-job can leave a gap after its term.
Not legal or insurance advice. This is general information. Your contract, your state and your policy decide what applies to you. Ask your broker or attorney.
Frequently asked questions
Do I need a certificate from every subcontractor in North Carolina?
Under G.S. 97-19, a contractor who sublets without getting a workers’ comp certificate can be liable to the same extent as the sub. Getting the certificate before subletting protects you for the term the certificate covers.
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