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Urgent reporting helps us quickly care for injured employees and contain employer costs. Call (800) 869-3999 (24/7) or report online:

our mission

Deliver insurance solutions with extraordinary service defined by urgency, reliability, integrity, and cutting-edge technology to you, our valued customer.

Our Story

iSurity is a family-owned business based in High Point, NC with over 25 years of experience insuring Workers’ Compensation Liability. Our product is one of the strongest in the region due to disciplined underwriting and aggressive claims management. Small- and mid-sized employers with exposure in the highlighted states enjoy our caring, hands-on approach.

Join us to experience EXTRAORDINARY!

Message from the CEO

Welcome to iSurity

If you are already working with iSurity, we appreciate the opportunity to serve you, your company and your employees. Your trust in and support of iSurity have provided the foundation for our remarkable growth. Thank you for your continued support.

If you’re considering a relationship with us, we invite you to explore the website to learn about the products and services we offer. We take great pride in providing the best workers’ compensation and brokerage services at a competitive price. Our customer relationships are long-lasting because of the extraordinary service we provide in everything we do.

At iSurity, we treat the businesses we insure, the people we insure, the agents with whom we work and our colleagues with respect. Our interactions are guided by our core business beliefs which include:

  • Always acting with honesty and integrity
  • Investing 100% of our effort in all of our dealings with you
  • Communicating effectively and responsively with you
  •  Treating your needs and concerns with urgency

We earn new business and continue existing business relationships because we demonstrate that you can count on us – everyday. We always welcome your suggestions, comments and inquiries so please reach out!

Best regards,
John Baker CEO

An Extraordinary Company

In a world where automated telephone attendants are becoming more common and reaching a human can be challenging, business has become transactional rather than personal. The words “quality” and “service” are so overused they’ve nearly lost their meaning. However, iSurity proves that quality and service do still exist. Uniting quality products with incomparable service, we’ve become the top resource for trusted workers’ compensation insurance and compassionate cost-effective care for injured workers. In addition, iSurity’s brokerage division significantly extends our product portfolio, allowing us to offer more solutions than ever before to our agents and insureds. We carefully listen to our customers so we provide the products and services they need and desire.

Our reputation for phenomenal service is unsurpassed in our industry. During business hours, every call is answered by a real person and our insurance specialists are available to assist callers with questions or concerns. We focus on how we can best support and sustain our customers, their employees, our agents and our employees. Integrity, reliability and a sense of urgency are demonstrated in everything we do.

iSurity’s growth has been astounding, but we remember that our solid customer relationships make that growth happen. Relationships are never taken for granted here. We consider the individual requirements of each company we work with and carefully match needs with the right iSurity products and services.

When you work with us as a customer, an agent, or as an employee, you are appreciated and respected. Although iSurity’s business growth is ever increasing, we never lose sight of all of the people who make it possible.

Our History


Operating as an independent insurance agent in North Carolina, Cliff Baker helped to establish the North Carolina Mutual Employers Fund (NCME Fund) with several of his customers in 1994. In 1995, soon after NCME’s inception, Mr. Baker was called on to build a TPA for the fund to provide unparalleled service and overall administration. He was joined by his son, John Baker, and iSurity’s history began.

John Baker’s background as a CPA brought an additional dynamic into the fold and the Bakers began to develop iSurity and NCME from the ground up in the home state of North Carolina. In 2005, John Baker became CEO of iSurity.

The vision for an expanded and more capable worker’s compensation product grew until iSurity finally led NCME to become a mutual insurance carrier in 2011. The NCME Fund name went away and was replaced by Carolina Mutual Insurance, Inc. This new setup would allow for growth and expansion into other states along with many other development opportunities.

Today, iSurity’s short-term vision is to provide unparalleled workers’ compensation expertise and service in states all across the Southeast and Mid-Atlantic. However, iSurity’s broader future is limited only by the determination and innovation of one of the best teams in the business!

iSurity Special Risk

In 2004, ​iSurity formed iSurity Special Risk (ISR), an MGA and brokerage dedicated to providing options for hard-to-place workers compensation policies.

Around 2011, ISR’s focus shifted to general Property & Casualty as well as Professional and Management Liability products. Today, the MGA continues to add new commercial markets and products further strengthening our position as a go-to brokerage for insurance agents.


Worker’s Compensation Insurance

Human-Driven Underwriting

Aggressive Claims Management

Practical Loss Control

Coverage is ​provided by one of the most financially sound insurance ​companies in the region. With North Carolina roots dating back to 1994, Carolina Mutual Insurance was created to provide affordable Workers’ Compensation insurance with unparalleled service. CMI maintains consistent profitability to remain a viable, long-term option for its members and is proud to hold the highest Demotech, Inc. Financial Stability Rating of A” Unsurpassed.

Carolina Mutual Insurance is administered by iSurity, Inc. which seeks qualified and proactive employers to become policyholders. The strength of CMI is built upon the cooperation of participants to support effective business practices which include:

  • Post-accident drug testing
  • Early return-to-work programs
  • Aggressive cost containment programs
  • Structured risk management programs



Appetite Information

  • No prior coverage required
  • High experience mods considered
  • Direct bill & pay online
  • Online Payroll Reporting available
  • NC, SC, GA, TN, VA, KY, PA

Claims & Risk Management

More Info

Our compassionate yet aggressive claims management approach protects employers’ Experience Mod. Factors along with the most important asset, their people. Practical loss control services offer critical proactive and reactive support.


Financial Integrity

A perfect record of annual underwriting profit gives agents and policyholders assurance that our solvency and stability as a specialty insurer is long-term focused.

Complete financial statements and additional information available to our partners upon request.


iSurity Special Risk is an MGA and wholesale brokerage offering coverage options for miscellaneous P&C exposures and Professional & Management Liability.

ISR differentiates itself by maintaining urgency in communication and turn-around times as well as high accessibility to assist our agency partners in placing business quickly and easily.

Miscellaneous P&C

  • Contractors and Construction
  • Bar/Tavern/Restaurant (incl. Liquor)
  • Vacant Property
  • Lessors Risk Only
  • Environmental/Pollution
  • Inland Marine
  • Active Shooter
  • More

Management Liability

  • Directors & Officers
  • Employment Practices
  • Fiduciary Liability
  • Tenant Discrimination
  • Crime
  • More

Professional Liability

  • Cyber Liability
  • Tech/IT Professionals
  • Miscellaneous Professionals
  • Real Estate Agents & Property Managers
  • Architects & Engineers
  • Healthcare/Allied Healthcare
  • More

Appetite Guide          Email Submission         Quote USLI Online



Workers’ Compensation

Pay Online

Pay and manage your bill online with us. Pay Now to make a quick, one-time payment or Log In to save your payment information for future payments.


Schedule your payment to be automatically deducted from your bank account.

By Mail

Send a check or money order payable to:
Payable to Carolina Mutual Insurance

PO BOX 6455
High Point, NC

116 Rockspring Road-UNIT 6455
High Point, NC

Payment Plans

Workers’ Compensation

Payroll Reporting

Actual payrolls are reported online each month
Calculated premium may then be mailed in by check or drafted through EFT

10 Payments


10 equal, monthly payments
Invoiced consecutively and directly to the policyholder
Starting at inception of the policy


4 equal payments
Invoiced every 3 months and directly to the policyholder
Starting at inception of the policy

3 Payments


3 equal, monthly payments
Invoiced consecutively and directly to the policyholder
Starting at inception of the policy


*We do not accept payment by phone

(800) 869-3999

Become an Agent

Maximizing your agency’s value in the marketplace requires instant access to quality coverage at a competitive price.

Partner with iSurity today to access proprietary, cutting-edge quote/bind technology as well as best-in-class underwriters and claims managers maintaining the ever-important human touch.

Tyler Adamson, CIC
VP Business Development
[email protected]

Join Our Team As An Employee

Successful candidates will possess:

  • Excellent interpersonal skills
  • Strong problem solving abilities
  • Effective communication skills
  • A strong sense of urgency
  • Excellent time management

Submit resumes to:

[email protected]

Located in the heart of Central North Carolina, we are a dynamic and growing organization in the insurance industry. With over 20 years of experience uniting quality products with incomparable service, we’ve become the top resource for trusted workers’ compensation insurance and property/liability coverage. Although turnover is infrequent at iSurity, we receive and consider résumés on an ongoing basis. We invite you to submit ​yours!

iSurity is an equal opportunity employer.