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Tennessee Workers' Compensation laws make it legally mandatory for every employer with more than five employees to carry insurance coverage for work-related accidents. Corporate officers are included in this headcount, even if they are ultimately excluded from coverage in your policy.

TN Workers' Comp: Key Details

  • Sole proprietors, LLC members, and partners in TN are not automatically protected by their Workers' Comp coverage, but may elect to be covered by their policy.
  • Subcontractors and anyone in the construction industry are required to carry Workers' Compensation Insurance, even if they only have one employee.
  • There is no state fund for Tennessee. Workers' Compensation must be purchased from a commercial insurance company or provided through self-insurance.

Want more information about Workers' Comp laws in Tennessee? Visit the state's Department of Labor and Workforce Development.

Workers' Compensation Insurance Laws By State