The North Carolina Joint Underwriting Association, also known as the FAIR (Fair Access to Insurance Requirements) Plan, is a tax exempt insurer of last resort created by law to provide adequate basic property insurance to property owners having insurable property in North Carolina.

The NCJUA is an association of insurance companies authorized to write basic property insurance coverage in North Carolina. The North Carolina Insurance Underwriting Association, also known as the Coastal Property Insurance Pool, is a tax exempt insurer of last resort created by law to provide an adequate market for essential property insurance in the beach and coastal areas of North Carolina.  The NCIUA is an association of insurance companies authorized to write essential property insurance coverage in North Carolina.