Workers Compensation

Tennessee Workers Comp Rates

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Tennessee Workers Comp Rates

Tennessee workers' compensation rates remain stable in 2018.

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 2016 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 Workers Compensation Icon.

The insurance rates listed for Tennessee represent the current workers comp rates effective 3/1/17. 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.

Class Code

Low Rate High Rate

0042 Landscaping

$4.11 $6.99

3632 Machine Shop

$2.65 $4.51

3724 Garage Door Installation

$3.11 $5.29

3821 Salvage Yard

$4.13 $7.02

5022 Masonry

$6.91 $11.75

5102 Door & Window Installation

$5.17 $8.79

5183 Plumbing

$2.00 $3.40

5190 Electrical Equipment Service & Repair

$2.07 $3.52

5221 Concrete Construction

$3.44 $5.85

5348 Tile Installation

$2.68 $4.56

5437 Carpentry Trim

$4.86 $8.26

5474 Painting

$4.73 $8.04

5478 Flooring

$3.24 $5.51

5537 HVAC Installation & Repair

$3.58 $6.09

5645 Carpentry Noc. Residential Construction

$12.63 $21.47

7228 Short Haul Trucking

$4.53 $7.70

7605 Alarm Installation

$1.90 $3.23

8006 Gas Station

$1.77 $3.01

8017 Retail Store

$0.91 $1.55

8380 Auto Shop

$1.78 $3.03

8742 Outside Sales Person

$0.25 $0.43

8810 Clerical - NOC

$0.11 $0.19

8832 Doctors Office

$0.22 $0.37

8835 Home Health Care

$1.82 $3.09

8842 Group Homes

$1.75 $2.98

9012 Building Operations By Owner

$0.89 $1.51

9014 Janitorial Cleaning

$1.82 $3.09

9015 Building Operations By Contractor

$2.24 $3.81

9052 Hotel Employees

$1.62 $2.75

9082 Restaurant

$0.88 $1.50

9083 Restaurant Fast Food

$0.94 $1.60

9102 Lawn Care

$1.96 $3.33

9516 Electrical Equipment Service & Repair

$3.40 $5.78

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.

Tennessee Contractors Coverage

Tennessee changed their workers compensation laws in 2011 with regard to all construction related services. The law now requires all contractors or businesses engaged in the construction industry to carry workers compensation on any employee or subcontractor they hire. Some contractors with no employees may be permitted to file for exemption from workers compensation insurance. However, a general contractor may require a sub-contractor to carry workers compensation insurance even if they have no employees and are exempt from coverage.

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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

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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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How to get the lowest rates on workers comp insurance.


We've developed exclusive relationships with our insurance companies to turn-around accurate and bindable workers comp quotes in no time at all.

Workers comp insurance rates   Start your quote online or call us at 888-611-7467

Workers comp insurance rates   We will shop your policy with our TN carriers.

Workers comp insurance rates   You get the very best prices on workers comp.

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No Money Down Workmans Comp Workers Comp Payments
$0 Money Down Better Payment Options

We're a national leader in Pay As You Go Workers Compensation. We've developed low price programs to help reduce or eliminate down payments and allow employers to report and pay premium based on their actual wages.

We've negotiated the best deals with many of our insurance companies in order to offer more flexible payment options like 12 equal installment plans and monthly reporting to help improve cash flow for business owners.

Workers Compensation Class Codes
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Tough Class Codes Faster Insurance Quotes

We offer an affordable quote for some of the toughest NCCI class codes and higher experience modifiers because we've partnered with national carriers who specialize in high hazard industries.

Our carriers and underwriters understand that we need to turn wc quotes quickly so our customers can buy coverage when they need it. We often turn quotes in less than 24 hours.

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Learn more about workers compensation insurance in Tennessee Work Comp:   Tennessee | TN Programs| TN Rates | TN Forms | TN Info | TN Quotes
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When it comes to workers compensation quotes, we've got your business covered. We work with some of the biggest and best insurance companies specializing in workers comp coverage. And we shop them all to make sure you obtain the most affordable policy available.

Give one of our Tennessee workers compensation Specialists a call today at 888-611-7467 to see if your business qualifies for lower workers compensation insurance rates.

Tennessee Agency License: 5111
National Producer Number: 5064979

Contact a Tennessee Workmans Comp Specialist