Workers’ Compensation Insurance

Protecting Tennessee Businesses and Their Teams

Safeguard Your Employees and Your Business

In Tennessee, ensuring the safety and well-being of your employees isn't just good practice—it's the law. Workers' compensation insurance provides essential protection for both employers and employees when workplace injuries or illnesses occur. At Patriot Insurance Solutions, we help businesses across Chattanooga, Cleveland, and the surrounding areas navigate the complexities of workers' comp coverage, ensuring compliance and peace of mind.

Understanding Workers’ Compensation Insurance

A white car is parked on the side of the road in front of a house.

What Is Workers’ Compensation Insurance?

Workers’ compensation insurance is a state-mandated program that provides medical benefits and wage replacement to employees who suffer job-related injuries or illnesses. It also protects employers from potential lawsuits related to workplace incidents.

Who Needs It?

In Tennessee, most employers with five or more employees are required to carry workers' compensation insurance. However, construction businesses must have coverage if they have even one employee. This includes full-time, part-time, seasonal, and temporary workers.

What Does It Cover?

  • Medical Expenses: Covers hospital visits, surgeries, medications, and rehabilitation related to the workplace injury or illness.
  • Wage Replacement: Provides a portion of the employee's wages if they are unable to work due to the injury.
  • Disability Benefits: Offers compensation for temporary or permanent disabilities resulting from the workplace incident.
  • Death Benefits: Provides financial support to the dependents of an employee who dies due to a work-related incident.

What’s Not Covered?

  • Injuries sustained while commuting to or from work.
  • Self-inflicted injuries or those resulting from intoxication.
  • Injuries from fights or horseplay initiated by the employee.

Tailoring Your Policy to Fit Your Business

Every business is unique, and so are its insurance needs. At Patriot Insurance Solutions, we work closely with you to assess your operations and recommend coverage that aligns with your risk profile and budget. Whether you're a small business owner or manage a large workforce, we'll customize a policy that offers comprehensive protection.

Common Questions About Workers' Compensation Insurance

  • Is workers’ compensation insurance mandatory in Tennessee?

    Yes, Tennessee law requires most employers with five or more employees to carry workers' compensation insurance. For construction businesses, coverage is mandatory with just one employee. This ensures that employees receive necessary medical treatment and wage replacement benefits in the event of a workplace injury or illness.

  • How are premiums calculated for workers’ compensation insurance?

    Premiums are based on several factors, including the type of work performed, the company's claims history, and the total payroll. Businesses with higher-risk jobs or a history of frequent claims may pay higher premiums. Implementing safety programs and maintaining a low claims history can help reduce costs.

  • What happens if I don’t carry workers’ compensation insurance?

    Failing to carry the required workers' compensation insurance can result in severe penalties, including fines up to $10,000 per violation. Additionally, employers may be held liable for medical expenses and lost wages out of pocket and could face lawsuits from injured employees.

  • Can I exclude myself from coverage as a business owner?

    In Tennessee, sole proprietors, partners, and members of LLCs are generally excluded from mandatory coverage but can choose to be included. Corporate officers are automatically included but may opt out by filing the appropriate exemption forms with the state.

  • How do I obtain workers’ compensation insurance in Tennessee?

    You can obtain coverage through private insurance carriers licensed in Tennessee. If you're unable to secure coverage through the standard market, the National Council on Compensation Insurance (NCCI) administers the Tennessee Workers' Compensation Insurance Plan, which provides coverage for employers who meet specific criteria.