Workers Compensation Insurance
Request a QuoteWorkers' Compensation Insurance in Tennessee
Tennessee law requires most businesses with five or more employees to carry workers' compensation insurance — and construction businesses must carry it with even one employee on the job.
Knoxville Insurance Store helps businesses across Tennessee — Knoxville, Nashville, Chattanooga, Memphis, and everywhere in between — get workers' comp coverage that's compliant, competitively priced, and actually built for your industry.
Not sure if you're required to carry coverage? We'll tell you straight.
What Workers' Compensation Covers
Medical expenses for work-related injuries and illness
Lost wages — typically two-thirds of average weekly wage
Rehabilitation and physical therapy costs
Permanent and temporary disability benefits
Death benefits and burial expenses for families
Employer liability protection
Tennessee Industries We Cover
Contractors and construction companies (roofers, HVAC, plumbers, electricians, excavation)
Manufacturers and warehouses
Restaurants and hospitality
Auto dealers and repair shops
Retail and service businesses
Professional offices and medical practices
Can't get coverage through standard carriers? We also place hard-to-insure businesses through Tennessee's assigned risk pool.
Why Knoxville Insurance Store?
Why Tennessee Businesses Choose Us
We're an independent agency — which means we shop multiple carriers to find the right fit for your business, not just the easiest option for us.
We know Tennessee's NCCI classification system and review your codes to make sure you're not overpaying
We write assigned risk placements for high-risk or hard-to-place industries
We handle sole proprietor opt-in/opt-out analysis so you know exactly where you stand
We answer the phone — (865) 579-0500 — and a real person in Knoxville picks up
Non-compliance penalties in Tennessee can reach 1.5x your annual premium. We keep you covered and compliant.
Frequently Asked Questions
How many employees trigger workers' comp requirements in Tennessee? Five or more for most industries. Construction and coal mining require coverage with just one employee. Part-time workers and family members count toward your total.
Can sole proprietors opt out of workers' comp in Tennessee? Yes — in most non-construction industries. But many contracts require proof of coverage regardless. We'll help you decide if opting in makes financial sense.
What happens if I don't carry required coverage? Penalties up to 1.5 times your annual premium. Worse — you lose legal protections and become personally liable for all injury costs.
How are my workers' comp rates calculated? Tennessee uses NCCI classifications based on job type and payroll size, adjusted by your claims history (experience mod). We review your classifications to make sure you're not miscoded and overpaying.
Can I get coverage if other carriers have turned me down? Yes. Tennessee's assigned risk pool exists for exactly that situation. We'll place you there if needed and work with you to qualify for standard market rates over time.
Get a Workers' Comp Quote — We'll Follow Up Same Day
Stop guessing whether you're covered correctly. Knoxville Insurance Store makes workers' compensation insurance straightforward — correct classifications, competitive rates, and compliance you can count on.
Call (865) 579-0500 or request a quote online and we'll follow up same day.
📍 11002 Kingston Pike, Suite 103, Knoxville, TN 37934 📞 (865) 579-0500 Monday–Friday: 9:00 AM – 5:00 PM
Get a Workers Comp Insurance Quote
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