North Carolina Employers
4.7| 131 ReviewsNorth Carolina cut workers comp loss costs for 2026. Did your premium follow?
The North Carolina Rate Bureau filing approved for 1 April 2026 lowers average workers compensation loss costs by 7.8%. Loss costs are only one part of your premium, so we shop your cover across North Carolina carriers and read your experience modification with you.
A few quick questions. No payment details.
Independent agency serving the Piedmont Triad since 1998, led by Fletcher P. Wilson, CIC.
- North Carolina carriers shopped, not one renewal taken as read
- Class codes and experience modification read line by line
- The same licensed local agent every call
A renewal taken as read
- One carrier, one set of rates
- Class codes never questioned
- A payroll bundle nobody reviews
A shopped policy
- Several North Carolina carriers compared
- Class codes and mod checked line by line
- Options in writing before your renewal
What clients say
Read our Google reviewsDee Edwards has consistently gone the extra mile to help us streamline the insurance coverage for our business. Her follow-through in obtaining the required documentation for us to dispute an expensive, unnecessary requirement by one of our lenders has saved us tens of thousands of dollars per year. Dee and the Wilson Insurance team have earned our business at each and every renewal cycle.
Bill Thomas, CFO, M.A.L., Inc.
Linda Welborn, Fletcher Wilson, and the entire staff at Wilson Insurance provided us with creative risk management solutions, found us considerable savings with regard to annual premiums, and exceeded our expectations in every way. They are wonderful folks to work with!
Bowman Gray, President, Brightleaf Asset Management, Winston-Salem
I saved time and money working with Fletcher Wilson. I will be a customer for life.
Justin Plummer, CrossFit Amplitude
How it works
Tell us about your payroll
Three quick questions about your North Carolina payroll and current cover.
We read your policy
A licensed agent reviews your current policy, class codes and experience modification.
You get options in writing
Clear options from our carriers, in writing, before your renewal date.
Ask about dividend and captive programs. Safety focused North Carolina businesses can see 50% to 70% of premium returned.
Savings vary by class code, payroll and loss history. Nothing here is a quote and no savings are guaranteed.
What your experience modification actually is
Experience rating in North Carolina looks at three years of your payroll and loss data and compares your record with other employers doing the same kind of work. The result is a single factor applied to your premium.
A factor under 1.00 is a credit, so it lowers your premium. A factor over 1.00 is a debit, so it raises it. Small claims that closed years ago can still sit in the calculation, which is why it is worth reading line by line.
Experience rating applies once your average annual premium reaches the North Carolina Rate Bureau threshold: $15,000 for the most recent policy year, or $7,500 average over the most recent two years, for rating dates from 1 April 2026.
Plain-English glossary
- Class code
- A four digit code describing the work your staff do. It drives the rate applied to every $100 of payroll, so the wrong code follows you year after year.
- Experience modification
- A factor built from three years of payroll and loss data that adjusts your premium up or down against employers doing similar work.
- Payroll audit
- The check after the policy year that compares estimated payroll with actual payroll and settles the difference.
- Assigned risk pool
- The market of last resort for North Carolina employers who cannot get cover in the voluntary market.
Who is behind this
F.P. Wilson Insurance Services, Inc., 511 Shepherd Street, Suite 102, Winston-Salem, North Carolina 27103. An independent agency serving the Piedmont Triad since 1998, led by Fletcher P. Wilson, CIC, with a commercial lines team of two producers. We will not sell your details to a lead marketplace, we will not spam you, and we will not charge you for a quote.
Questions
Ready when you are
It takes about a minute, and a licensed North Carolina agent takes it from there.