Tennessee Workers Comp Rates

Tennessee workers' compensation rates remain stable in 2019.

Tennessee workers comp rates have remained relatively stable over the past few years. The average state rates are about 5% higher than the national average. A 2018 study listed Tennessee as the 28th most affordable states for workers comp coverage.

State law in Tennessee allows workers compensation carriers to issue policy credits and debits up to 25%. This means that the cost of a workers compensation policy in Tennessee will vary substantially from one carrier to the next.

We track the average rates by industry for all of our insurance partners, making it fast and easy to match your business with the carriers most likely to offer the lowest rates. Whether your located around areas like Memphis, Nashville, or Jackson, chances are we've got great workers comp rates for your business.

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TN Rates for Select Work Comp Class Codes

The insurance rates listed for Tennessee represent the current workers comp rates effective 3/1/2019. Tennessee rates are regulated by the Workers' Compensation Division of Tennessee Department of Labor and Workforce Development. Insurance companies can offer policy discounts and scheduled credits on work comp policies. We also offer Pay As You Go coverage in Tennessee. Not all employers will qualify for the best rates available or the maximum policy credits. We compare work comp rates with over 35 insurance companies so our clients find the lowest rates and best prices avialable.

Class Code Low Rate High Rate
0035 Farm- Planting and Harvesting- Cannabis Growers $1.35 $2.30
0042 Landscaping Service $2.71 $4.63
0106 Tree Trimming- Pruning- Removal $4.66 $7.95
0917 Residential Cleaning Service- Housekeepers $2.17 $3.70
2121 Breweries- Craft Beers $0.82 $1.40
2143 Winery- Wine Makers $1.12 $1.91
2585 Carpet Cleaning $2.03 $3.47
2589 Dry Cleaning and Laundry Service $1.23 $2.10
3632 Machine Shop $1.89 $3.23
3724 Garage Door Installation $1.94 $3.31
3821 Salvage Yard-Automobile Recycling $3.04 $5.19
5022 Masonry Construction $3.89 $6.79
5102 Door and Window Installers $2.88 $4.92
5183 Plumbing Contractors $1.33 $2.27
5190 Electrical Work- Electrician $1.65 $2.82
5221 Concrete Work- Flat Work Cement $2.73 $4.66
5223 Pool Installation- Pool Maintenance $2.59 $4.42
5348 Ceramic, Tile and Stone Work $1.82 $3.11
5437 Trim- Finish Carpenters- Cabinets- Countertops $2.97 $5.07
5445 Drywall Contractors $3.63 $6.20
5474 Painting Contractor $3.14 $5.36
5478 Floor Installers- Wood-Carpet-Laminate $2.09 $3.57
5535 Metal Building Construction $3.11 $5.31
5537 HVAC- Heating and Cooling Service/Repair $2.05 $3.50
5537* Solar Energy Contractors- Installation $2.05 $3.50
5551 Roofing Contractors $10.17 $17.36
5606 Asphalt & Paving Work $0.60 $1.02
5645 Residential Construction- Home Builders- Remodelers- Siding $8.52 $14.54
6217 Excavation and Grading Work $2.90 $4.95
6400 Fence Installation & Repair $3.66 $6.25
7219 Trucking- Short Haul and Long Haul $3.64 $6.21
7225 Towing Company $3.12 $5.33
7230 Package and Parcel Delivery $4.24 $7.24
7370 Non-Emergency Medical Transportation- Taxi- Limousine- Airport Shuttle $2.53 $4.32
7605 Alarm Installation and Repair $1.13 $1.93
7720 Security Guards- Patrol Officers $1.52 $2.59
8006 Gas Stations- Convenient Stores $1.28 $2.18
8017 Retail Stores- Merchandise- Cannabis Dispensary $0.73 $1.25
8292 Warehousing and Storage Facility $1.51 $2.58
8380 Auto Service and Repair- Mechanic $1.37 $2.34
8393 Auto Body Repair $0.85 $1.45
8742 Sales Professional $0.17 $0.29
8810 Clerical- Office Employee $0.08 $0.14
8824 Retirement Living Centers- Congregate Communities $1.93 $3.29
8829 Nursing Homes and Assisted Living Facilities $1.09 $1.86
8831 Animal Shelters and Kennels- Veterinarian $0.66 $1.13
8832 Medical Office- Doctor- Dentist- Chiropractor, Optometrist $0.13 $0.22
8835 Home Healthcare Workers $1.31 $2.24
8842 Group Homes- Temporary Shelters- Disability Facility $1.27 $2.17
8864 Social Service Organizations- Counseling- Family Services $0.91 $1.55
8868 Religious Organization- Church- Temple $0.17 $0.29
8869 Child Care Center- Daycare Providers $0.47 $0.80
9012 Property Management- Leasing Agent $0.53 $0.90
9014 Janitorial Service Contractors- Pest Control- Exterminating- Chimney $1.21 $2.07
9015 Building Maintenance- Campgrounds- Camps- RV Parks $1.36 $2.32
9052 Hotels and Motels $0.97 $1.66
9060 Golf Courses and Country Clubs $0.88 $1.50
9063 Fitness Center- Health Clubs- YMCA Programs $0.43 $0.73
9082 Restaurants- Catering $0.61 $1.04
9083 Fast Food Restaurant- Concessions- Doughnut Shop $0.59 $1.01
9083* Mobile Food Truck- Food Cart- $0.59 $1.01
9084 Bars-Taverns-Nightclubs $0.73 $1.25
9102 Lawn Service and Maintenance $1.54 $2.63
9180 Shooting Range- Amusement Park $3.12 $5.33
9402 Septic Tank Cleaning- Portable Toilets $2.57 $4.39
9403 Refuse Collection- Garbage- Trash Service $3.93 $6.71
9516 Electrical Equipment Repair and Service $2.05 $3.50

Tennessee rates vary by NCCI workers comp class codes and insurance company underwriting standards. Employers' who have an Experience Mod Factor (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 coverage with a private insurance provider we can help your business purchase an Assigned Risk policy.

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