Tennessee workers' compensation rates may increase in 2023.

Tennessee workers comp rates have remained relatively stable over the past few years. The average rates in TN are about 19% lower than the national average. A 2022 study listed Tennessee as the 17th most affordable state for the average cost of workers' comp insurance.

Tennessee is an NCCI state like most other states. NCCI issues employers' experience modifiers and collects all data for the state including claims, class codes, premiums, and payroll. They analyze this data and make annual recommendations to carriers and to the TN Department of Insurance. Every Insurance company is required to file their rates with the state for approval each year.

Workers' compensation rates will vary for the same class codes in Tennessee because insurance companies can apply policy credits and debits up to 25% to adjust their filed rates. More discounts may also be added to a policy depending on the size of payroll and overall claims experience.

Don't pay too much for your workers' comp coverage. Our agents will find your best deal. Our technology tracks carrier rates by state and compares their pricing in real-time. Find out how knowledegeable agents, better advice and more options lead to lower rates and a better price.

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Workers Comp Rates are an Art & Science

What influences my workers comp insurance cost?

Your State & Class Codes

Insurance companies file their "base manual rates" for approval with each state for all class codes. Rate recommendations are generally made to the state and carriers annually by the National Council on Compensation Insurance.

Your Claims or Losses

Employee claims are reported to NCCI and statistically compared with all other similar type businesses using the same class code in each state. An Experience Modification Rate may apply to your business after a few years of coverage.

Prior Experience & Coverage

Insurance company underwriters are permitted to make premium rate adjustments based on unique factors about your business, safety practices, and management experience in most states.

Policy Credits and Debits

Insurance companies may apply policy credits and debits to the base manual rates. Additional discounts can be applied to premium as the total payroll & premium increases.

Smart Agents with expertise in workers' compensation insurance utilize this information to negotiate your insurance rates with underwriters. A good narrative about your business helps insurance companies justify a better price.

Tennessee Rates for Select Work Comp Class Codes

Rates for State Class Codes. Select Codes Listed:

The insurance rates listed for Tennessee represent the current lowest and highest workers' comp rates we've found for 2023. Tennessee rates are regulated by the Workers' Compensation Division of Tennessee and the Department of Labor and Workforce Development. Insurance companies can offer policy discounts and scheduled credits on workers' comp policies. We also offer Pay As You Go workers compensation coverage in Tennessee. Not all employers will qualify for the best rates available or the maximum policy credits. Compare work comp rates with over 35 insurance companies.

Class Code & Description Low Rate High Rate
0035 Farm-Planting & Harvesting-Cannabis Growers $1.38 $2.42
0042 Landscaping Service $2.51 $4.40
0106 Tree Trimming-Pruning Removal $4.82 $8.45
0917 Residential Cleaning Service-Housekeepers $1.91 $3.35
2121 Breweries-Craft Beers $0.75 $1.31
2143 Winery-Wine Makers $1.18 $2.07
2585 Carpet Cleaning $1.73 $3.03
2589 Dry Cleaning & Laundry Service $1.17 $2.05
3632 Machine Shop $1.86 $3.26
3724 Garage Door Installation $1.80 $3.16
3821 Salvage Yard-Auto Recycling $2.79 $4.89
5022 Masonry Construction $3.45 $6.07
5102 Door & Window Installers $2.64 $4.63
5183 Plumbing Contractors $1.18 $2.07
5190 Electrical Work-Electrician $1.67 $2.93
5221 Concret Work-Flat work Cement $2.67 $4.68
5223 Pool Installation & Maintenance $2.50 $4.38
5348 Ceramic,Tile & Stone Work $1.60 $2.80
5437 Trim-Finish Carpenters-Cabinets-Countertops $2.53 $4.44
5445 Drywall Contractors $3.46 $6.07
5474 Painting Contractor $2.82 $4.94
5478 Floor Installers- Wood-Carpet-Laminate $1.82 $3.19
5535 Metal Building Construction $3.01 $5.28
5537 HVAC-Heating & Cooling Service/Repair $1.80 $3.16
5537* Solar Energy Contractors-Installations $1.80 $3.16
5551 Roofing Contractors $9.12 $15.99
5606 Asphalt & Paving Work $0.56 $0.98
5645 Residential Construction-Home Builders-Remodelers-Siding $7.81 $13.69
6217 Excavation & Grading Work $2.58 $4.52
6400 Fence Installation & Repair $3.36 $5.89
7219 Trucking Short & Long Haul $3.32 $5.82
7225 Towing Company $2.90 $5.08
7230 Package & Parcel Delivery $3.97 $6.96
7370 Non-Emergency medical Transport-Taxi-Limo-Airport Shuttle $2.20 $3.86
7605 Alarm Installation & Repair $0.99 $1.74
7720 Security Guards-Patrol Officers $1.45 $2.54
8006 Gas Stations-Convenience Stores $1.16 $2.03
8017 Retail Sores-Merchandise-Cannabis Dispensary $0.71 $1.24
8292 Warehousing & Storage Facility $1.43 $2.51
8380 Auto Service & Repair-Mechanic $1.32 $2.31
8393 Auto Body Repair $0.72 $1.26
8742 Sales Professional $0.16 $0.28
8810 Clerical-Office Employee $0.07 $0.12
8824 Retirement Living Centers-Congregate Communities $1.10 $1.93
8824* Nursing Homes and Assisted Living Facilities $1.10 $1.93
8831 Animal Shelters & Kennels-Veterinarian $0.63 $1.10
8832 Medical Office-Doctor-Dentist-Chiropractor-Optometrist $0.13 $0.23
8835 Home Healthcare Workers $1.24 $2.17
8842 Group Homes-Temporary Shelters-Disability facility $1.22 $2.14
8864 Social Service Organizations-Counseling-Family Services $0.89 $1.56
8868 Religious Organization-Church-Temple $0.16 $0.28
8869 Child Care Center-Daycare Providers $0.45 $0.79
9012 Property Management-Leasing Agent $0.48 $0.84
9014 Janitorial Service Contractors-Pest Control-Exterminating-Chimney $1.16 $2.03
9015 Building maintenance-Campgrounds=Camps-RV Parks $1.23 $2.16
9052 Hotels & Motels $0.86 $1.51
9060 Golf Courses & Country Clubs $0.85 $1.49
9063 Fitness Center-Health Clubs-YMCA Programs $0.39 $0.68
9082 Restaurant-Catering $0.57 $1.00
9083 Fast Food Restaurant-Concessions-Doughnut Shop $0.58 $1.02
9083* Mobile Food Trucks-Food Cart $0.58 $1.02
9084 Bars-Taverns-Nightclubs $0.68 $1.19
9102 Lawn Service & Maintenance $1.56 $2.73
9180 Shooting Range-Amusement Park $2.86 $5.01
9402 Septic Tank Cleaning-Portable Toilets $2.42 $4.24
9403 refuse Collection-Garbage-Trash Service $3.54 $6.21
9516 Electrical Equipment Repair & Service $1.62 $2.84

Tennessee rates vary by NCCI workers' comp class codes and insurance company underwriting standards. Employers' who have an Experience Mod Rating (EMOD) assigned to their business may have additional credits or debits applied to their insurance rates based on prior premiums and workers compensation losses. While there is not a State Fund in Tennessee, the Tennessee Workers Compensation Insurance Plan administers Assigned Risk policies in the state.

State Resources for Tennessee

Tennessee Department of Labor and Workforce Development

Workers' Compensation Division
710 James Robertson Pkwy 2nd Floor
Nashville, TN 37243-4812
TN Department of Labor

Tennessee Workers' Compensation Insurance Plan

PO Box 681089
Franklin, TN 37068

Tennessee is under the Jurisdiction of the National Council for Compensation Insurance (NCCI) and contracts with AON as the state's Assigned Risk carrier.

Our national agency often helps TN employers find lower cost coverage with private insurance companies. If we can't find more affordable coverage with a private insurance company, we can help your business purchase an Assigned Risk policy.

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Visit NCCI for more resources and information about workers' compensation class codes. Visit United States Department of Labor for more information about government agencies managing workers compensation insurance rates.

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