Workers Compensation in Tennessee
How much does workers compensation cost in Tennessee? Your price depends on payroll, class code, and claims history. Compare options online and finish with a licensed agent.
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How much is Workers Compensation in Tennessee?
In Tennessee, workers compensation typically starts around $0.67 to $1.60 per $100 of payroll, though an office may see rates from $0.10 per $100 and construction can exceed $25 per $100. For a small business, the monthly premium often falls between $45 and $121. Your real price depends on industry, payroll, location, claims history, and risk class. We give you an online estimate, compare more than 30 carriers, speak Spanish, and accept ITIN. To complete the purchase, you must contact a licensed agent at 1-877-579-0587.
Why choose our Workers Compensation in Tennessee?
We compare 30+ insurers to find your best price
We speak Spanish and accept ITIN
Clear online price and estimate, no surprises
A licensed agent finalizes your purchase and advises you
How to get your free quote
Simple, fast and no obligation.
- 1
Tell us what you need by phone, WhatsApp or the form — in Spanish or English, no obligation.
- 2
We compare 30+ insurers to find the best coverage at the best price for your situation.
- 3
We explain your options in plain language and you choose the one that fits you best.
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We activate your policy and stay available for any change or claim whenever you need us.
What determines the price in Tennessee
Workers compensation premium is mainly based on payroll, the type of work you do, and the risk class assigned to your business. In Tennessee, a company with more job exposure usually pays more than an office business with administrative duties.
Your claims history, business size, and whether you operate in a high exposure category such as construction also affect price. That is why two businesses with similar payroll can receive very different quotes.
- Annual payroll and employee count
- Industry type and class code
- Claims history
- Risk level and physical exposure
Reference ranges in Tennessee
As a quick guide, Tennessee tends to run around $0.67 to $1.60 per $100 of payroll. By comparison, the national average is about $0.95 to $0.98 per $100, although your actual rate can be above or below that depending on your business.
For an office, costs can start at $0.10 per $100 of payroll. In construction, the price can rise to $25+ per $100. For a small business, the monthly premium usually lands between $45 and $121 per month.
- Tennessee: $0.67 to $1.60 per $100 of payroll
- National average: $0.95 to $0.98 per $100
- Small business: $45 to $121 per month
- Office vs. high risk: from $0.10 to $25+ per $100
How to lower it and save
The best way to save is to provide accurate payroll information and classify each job correctly. If an employee is placed in the wrong risk class, you may end up paying more than necessary.
It also helps to compare multiple carriers, because Tennessee is a competitive market. A smart comparison can help you find an option that better matches your industry, size, and budget.
- Make sure each job is in the correct class
- Keep payroll information updated
- Compare more than one carrier
- Review your coverage before renewal
How to get your quote and finish with an agent
You can get your estimate online in just a few minutes and review options for your Tennessee business. Our system compares more than 30 carriers, speaks Spanish, and accepts ITIN, which makes the process easier for many Hispanic business owners.
The online estimate helps you understand pricing before moving forward, but the purchase is completed with a licensed agent. If you want help reviewing options and finishing your policy, call 1-877-579-0587.
- Online estimate
- More than 30 carriers compared
- We speak Spanish
- We accept ITIN
- Completed with a licensed agent
Price ranges: Workers Compensation in Tennessee
Reference ranges based on published market data. Your exact price depends on your profile and is only confirmed with a quote.
| Item | Detail | Estimated range |
|---|---|---|
| Rate per $100 of payroll (Tennessee) | Average state rate; varies by class code | $0.67-$1.60 per $100 of payroll |
| National average | U.S. reference per $100 of payroll | $0.95-$0.98 per $100 |
| Monthly premium (small business) | Typical range for small businesses | $45-$121 per month |
| Office vs. high-risk | The rate depends on the job class code | from $0.10 (office) up to $25+ (construction) per $100 |
These amounts are for guidance only — not a quote or a final price. Get your estimate online and, to finalize the purchase, a licensed TOP Insurance agent confirms your price and activates the policy — free to advise you.
Ready to quote your Workers Compensation in Tennessee?
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Frequently Asked Questions
How much does workers compensation cost in Tennessee?▼
In Tennessee, it usually costs between $0.67 and $1.60 per $100 of payroll. An office may see rates starting at $0.10 per $100, while construction can rise to $25+ per $100. For a small business, the monthly premium is often between $45 and $121.
Is the online price the final price?▼
No. The online estimate gives you a clear reference, but a licensed agent must review the information and complete the purchase.
Who is required to have workers compensation in Tennessee?▼
In Tennessee, coverage is required for employers with 5 or more employees. In construction, it is required starting with 1 employee.
Why can my quote be higher than the average?▼
It can be higher because of a larger payroll, a more dangerous risk class, claims history, or a job that is classified incorrectly. Industry and physical exposure have a big impact on price.
Can I compare multiple carriers before buying?▼
Yes. You can compare more than 30 carriers online to see options that fit your business, budget, and industry type.
Do you accept ITIN and speak Spanish?▼
Yes. We accept ITIN and speak Spanish to help Hispanic business owners in Tennessee.
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