In the state of Tennessee you are required to carry workers’ compensation insurance if you have five or more (5+) employees working in inside Tennessee.  Further, if you are in operating in the construction industry and have at least one (1) or more employees, then you are also required to carry workers’ compensation insurance.

If an independent contractor, you might not be covered by the contracting firm’s workers’ compensation insurance policy.  You may very well need to provide proof of workers’ compensation coverage.

Are you an independent contractor or an employee?  Excellent Question.  Let’s get an idea.  (insert link)

Where to buy insurance:

The state of Tennessee has a private workers’ compensation insurance market.  A business can purchase a workers’ compensation policy from any private insurance company, agent and/or broker that is properly licensed to do business in the state of Tennessee.

Request a quote from Harman Stone.

If you’re still having trouble finding coverage, you can contact NCCI.

Who needs to be covered by the policy, where you can buy it and how much it will cost are influenced by state legislation and the state’s current legal and political climate.

Your business must comply with the state where your employees perform work – not necessarily where the business was founded or is based.

If your business operates in multiple states, or employees travel across state lines to work, you may need to modify your policy to guarantee coverage.

Workers’ compensation insurance coverage in Tennessee is regulated by the Tennessee Bureau of Workers’ Compensation.  They can be reached at (615) 532-4812, toll-free at (800) 332-2667, or by email at [email protected].

Tennessee workers’ compensation rates are determined through the NCCI (National Council on Compensation Insurance).  Additionally, Tennessee has a high-risk pool for those businesses having trouble securing coverage – the Tennessee assigned risk pool is Tennessee Workers’ Compensation Insurance Plan.