In Tennessee, most businesses with five or more employees are required by law to carry workers' compensation insurance. Construction businesses are required to carry coverage even with a single employee. Workers' compensation insurance helps cover medical expenses and partial lost wages when an employee is injured or becomes ill due to work-related activities. Super Insurance works with employers across Tennessee to help them understand coverage requirements and choose workers' compensation policies that align with their operations and workforce.
Workers' compensation plays an important role in keeping businesses compliant while providing structured benefits to employees after a workplace injury. Our primary service area is Tennessee, with workers' compensation coverage also available for select businesses operating in Mississippi.
Workers' compensation insurance is designed to respond to on-the-job injuries and occupational illnesses. Coverage typically includes:
These benefits are provided through Tennessee’s no-fault workers' compensation system, which allows claims to be handled without proving employer negligence.
Sole proprietors, partners, and independent contractors in Tennessee are generally not required to carry workers' compensation coverage for themselves. However, many self-employed professionals choose to voluntarily elect coverage, especially when working in higher-risk trades or when proof of insurance is required by a client or contract.
Once employees are added to payroll, workers' compensation requirements typically apply. Coverage considerations include employee roles, payroll size, and workplace risks. Reviewing these factors helps reduce compliance issues and claim complications.
Super Insurance helps Tennessee employers review workers' compensation requirements, evaluate existing policies, and explore coverage options based on how their business operates.
Get started today. Visit contact Super Insurance to speak with a licensed insurance professional about workers' compensation coverage for your business.