Quick guide: Workers’ compensation in Tennessee
Your small business work comp questions answered
You’ve got a business to run so we’ll tell you what you need to know about workers’ compensation in Tennessee — what it is, who needs it, and where you can buy it.
What is workers’ comp?
What does workers' compensation insurance cover?
How do I know if I need workers' comp insurance?
There are a few exceptions, which are listed in the next question.
Are there any exceptions?
- State and local governments and those employing farm laborers or domestic help
- Sole proprietors, partners and members limited liability companies (LLCs) aren’t included in the count of employees
- Corporate officers can exempt themselves but are not excluded from the count of employees unless they are not compensated
- Family members, if the applicant and members of the same family hold at least 95% ownership of the business
How much will it cost?
For more on how premium is calculated, see our Workers’ Comp 101 page.
Where do I buy workers’ comp insurance?
Where can I get more information on workers’ compensation in Tennessee?
For safety requirements and information, check out the Tennessee Occupational Safety and Health Administration (TOSHA).