In Charlotte’s growing gig economy, one of the most common questions is whether independent contractors are covered by North Carolina workers’ compensation. Traditional contractors are excluded, as the law protects employees only, but many platform workers, such as rideshare or delivery drivers, may actually qualify as employees under the state’s right‑of‑control test, which examines company control, freedom to work for competitors, and economic dependence. Misclassification is common, and the Industrial Commission often reclassifies gig workers as employees. While some platforms offer limited accident coverage, statutory workers’ comp is broader, so consulting an attorney is essential.