When is workers’ compensation insurance required in Tennessee?
Generally, non-construction employers with five or more employees must carry workers’ compensation coverage.
Tennessee Insurance Resources
Tennessee Business Insurance FAQ for 2026
Common business-coverage questions from Tennessee employers. Last reviewed on February 20, 2026.
Do construction businesses have different workers’ comp rules?
Yes. Tennessee guidance states construction employers must secure workers’ compensation coverage with one or more employees, unless a qualifying owner exemption applies.
Are construction business owners required to carry workers’ comp on themselves?
Usually yes, unless they are properly listed on Tennessee's Workers' Compensation Exemption Registry and meet eligibility requirements.
Is workers’ compensation the same as general liability insurance?
No. Tennessee guidance explains workers' compensation is a separate insurance category and is not the same as general liability or umbrella coverage.
Do construction employers need proof of workers’ comp on job sites?
Yes. Tennessee compliance guidance says employers should maintain proof of coverage and, where applicable, subcontractor certificates as part of compliance.