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North Carolina Contractor Insurance Requirements: NCLBGC Rules Explained
Published January 2026 6 min read
NCLBGC classifications
The North Carolina Licensing Board for General Contractors classifies licenses by limitation (Limited, Intermediate, Unlimited) based on project size and net working capital. Projects over $30,000 require licensing.
Insurance & workers' comp baseline
GL at $300,000/$600,000 is the licensing floor — but $1M/$2M is the practical contract standard. Workers' compensation is required for any employer with three or more employees, with strict construction-industry enforcement.
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