Workers Comp Rates in Tennessee (TN)

Tennessee workers comp rates are approximately 12% below the national average. Here's what Tennessee business owners need to know about classification and premiums.

Tennessee Workers Comp Overview

Tennessee has mandatory coverage for businesses with 5+ employees. Rates are below average and the state uses NCCI classifications. Manufacturing and logistics businesses in TN benefit most from proper classification.

How Tennessee Rates Compare

With a state modifier of 0.88x, a business in Tennessee paying $10,000 in base premium nationally would pay approximately $8,800 in TN. This makes proper classification even more important in Tennessee — every misclassified employee costs more.

The most impactful thing a Tennessee business owner can do is ensure that office, clerical, and administrative employees are coded separately from their operational staff. In TN, the difference between a clerical code (8810 at $0.16/$100) and a construction code (5403 at $9.42/$100) is massive — and that gap is amplified by the state modifier.

This guide is for informational purposes only and is not insurance advice. Tennessee rates and requirements are subject to change.