My workers comp insurance is insane (no claims ever made) and now they want more! I am looking for advice and an agent who can navigate and follow laws but reduce my cost, here in NC. Can I avoid paying WC my sub (stump grinding)? I signed my current policy ignorant and unknowing that I would have to pay my sub's (back / past) WC (@$15K) after the insurance company did an audit. Sounds crazy to back-pay for past, especially if no claims were made.