One State. One Product.

Focused On You.

Low-Cost
Workers' Compensation Coverage
for North Carolina Employers!

First Benefits Insurance (FBI)
is a mutual insurance company specializing in workers' compensation coverage for North Carolina employers. With offices in Raleigh and Charlotte, we are able to quickly respond to your clients' workers' compensation needs.

Aggressive claims management, "A rated" reinsurance coverage, and experienced underwriting has resulted in a company that has allowed us to outperform the industry loss ratios for more than 19 years.

FBI has historically focused on smaller companies (annual premium< $10,000), but increasingly we have provided competitive rates for larger businesses. Flexible payment plans are available for our insureds.  Monthly self-reporting is especially attractive for North Carolina businesses that employ seasonal workers. See our Top Ten Most Wanted Classes of Businesses on the left that lists recent types of accounts we have written.

FBI, originally established in 1992 as CompCarolina, is a North Carolina company, focused on North Carolina employers with an organization of dedicated professionals, supporting and protecting the assets of our customers.

Vision Statement
We will be a progressive, profitable company
that continuously works to improve its product, and is:

Recognized by our agents for disciplined underwriting
and aggressive claims management;

Appreciated by our insureds for providing a quality product and service, and

Respected by the industry for our integrity.