Provide insurance products with extraordinary service
defined by urgency, reliability, integrity, and cutting-edge technology
– to you, our valued customers.

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), a brokerage operation that was dedicated to providing options for hard-to-place workers compensation policies. Since that time, ISR’s offering has become general with a niche focus in Professional and Management Liability.

The expertise ISR brings to the areas of coverage such as E&O, D&O, EPL, Cyber/Data Breach and the like is unparalleled. Though ISR differentiates itself with a Professional Lines specialty, general property and liability offerings are available.


Worker’s Compensation Insurance

Human Underwriting   |   Balanced 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 coverage to local businesses. Built on fiscally conservative principles, CMI maintains consistent profitability to remain a viable, long-term option for its members.

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



  • No prior coverage required
  • High experience mods considered
  • Direct bill & pay online
  • Online Payroll Reporting available

more information 

Claims & Risk Management

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

more information

Financial integrity

We are proud of our perfect record of annual underwriting profit. This gives our agents and policyholders assurance in our solvency and stability as a specialty insurer.

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

Financial Highlights


iSurity Special Risk is a wholesale broker with a niche focus in Professional & Management Liability.

In addition, ISR offers a broad array of other P&C products to assist our agency partners in placing business quickly and easily.

Miscellaneous P&C

  • Bars and restaurants(including liquor liability)
  • Artisan Contractors
  • Child Care Centers
  • Vacant and partially vacant buildings
  • Lessors Risk Only
  • Inland marine(most classes)
  • Monoline excess and umbrella
  • A wide variety of property driven accounts, monoline or package

Management Liability

  • Cyber Liability
  • Employment Practices Insurance
  • Fiduciary Liability
  • Tenant Discrimination
  • Directors and Officers coverage for non-profits and private companies
  • D&O/Professional liability for community associations
  • International liability

Professional Liability

  • Real Estate Agents and property managers
  • Architects and engineers
  • Miscellaneous classes and consultants
  • Tech/IT professionals
  • Home Health Care/Allied Health professionals
  • Lawyers and Attorneys



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

Payroll Integration


Link your payroll company with iSurity for automatic payroll reporting and premium payment.

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


Join Our Team as an Agent

iSurity seeks strategic agency partners who aim to provide maximum value to their policyholders. Value equals expert solutions plus a relationship of trust and is what we aim to achieve when partnering with dedicated commercial agents. Characteristics of interest when considering a prospective partner are

Growth Focus

Submission Quality

Target Industry Match

Quote/Bind Efficiency

Vice President

Business Development

Join Our Team As An Employee

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!

Successful candidates will possess:

  • Excellent interpersonal skills
  • Strong problem solving abilities
  • Well-developed verbal and written communication skills
  • A strong sense of urgency
  • Excellent time management