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Tennessee Workers Compensation Rates

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Tennessee Workers Comp Coverage

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Tennessee workers comp rates currently rank 20th in the nation for the highest average workers compensation rates.  Employers purchasing workers comp coverage pay about 8% more per class code than the national median.  According to the Tennessee Department of Insurance and a study conducted by The TN Workers' Compensation Advisory Board, TN work comp rates have decreased an average of 10.7% between 2004 and 2009.  This rate decrease is largely attributed to a 25% decrease in workers compensation claim cost due to TN comp reform in 2004.

Employers should review their premium rates annually and shop coverage with multiple work comp markets to make sure they are getting the lowest rates and any available discounts and credits.  Contact one of our TN Workers Compensation Specialists today at 888.611.7467 for a free policy review and rate comparison at 888.611.7467.  Or start an online quote for TN coverage here.

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Questions? Call 888.611.7467 for a Workers Compensation Shop Specialist


 TN Comp Rates


Tennessee Rates for Select Workers Comp Class Codes

Class Code

Low Rate Fund Rate

0042 Landscaping

$4.28 $6.63

3632 Machine Shop

$4.44 $6.88

3821 Salvage Yard

$5.64 $8.74

5022 Masonry

$7.91 $12.26

5183 Plumbing

$3.68 $5.70

5190 Electrical

$3.68 $5.70

5221 Concrete Construction

$3.77 $5.84

5437 Carpentry/Trim

$6.46 $10.01

5474 Painting

$5.88 $9.11

5478 Flooring

$4.27 $6.62

5645 Carpentry NOC Residential Construction

$15.11 $23.42

7228 Short Haul Trucking

$6.50 $10.08

8006 Gas Station

$1.96 $3.04

8017 Retail Store

$1.34 $2.08

8380 Auto Shop

$2.63 $4.08

8742 Outside Sales

$0.40 $0.62

8810 Clerical

$0.21 $0.33

8832 Doctor's Office

$0.32 $0.50

8835 Home Health Care

$2.04 $3.16

9012 Building Operations by Owner

$1.33 $2.06

9014 Janitorial

$2.65 $4.11

9015 Building Ops by Contractor

$2.70 $4.19

9082 Restaurant

$1.43 $2.22

9083 Restaurant Fast Food

$1.29 $2.00

9102 Lawn Care

$2.15 $3.33

State Resources for Tennessee

Tennessee Department of Insurance


500 James Robertson Parkway
Nashville, TN 37243
615-741-2218 | 800-342-4029

State of Tennessee


TN Department of Labor and Workforce Development


Tennessee Workers’ Compensation Division

710 James Robertson Parkway
Gateway Plaza, Second Floor
Nashville, Tennessee 37243-0665
(800) 332-2667

Let Workers Compensation help you lower your TN workers compensation rates with a free policy review and work comp insurance quotes.


Learn more about workers compensation insurance in Alabama

TN Sub-Contractor Coverage

A subcontractor who does not have workers compensation coverage may be covered under a general contractors policy.  Form I-15 must be completed and filed with the TN Division of Workers Compensation.  The form allows a general to withhold premium from any vendor payments to the sub-contractor.


TN Department of Insurance

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