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TN — Licensed & ActiveUpdated Mar 2026

Commercial Insurance in Tennessee.

Protect your Tennessee business with the right insurance coverage.

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From the bustling music scene of Nashville to the logistics hubs in Memphis, RISKX provides Tennessee businesses with comprehensive insurance solutions. We understand the unique risks in the Volunteer State and can help you secure the right coverage for your needs. RISKX is licensed in Tennessee and ready to help.

Key Industries in Tennessee

Automotive ManufacturingHealthcareMusic & EntertainmentLogistics & DistributionAgricultureTourism & Hospitality

Workers' Compensation in Tennessee: Required

Tennessee requires workers' compensation for employers with five or more employees. The construction industry has stricter requirements, mandating coverage for any employer with at least one employee. Tennessee has a competitive market, allowing businesses to purchase coverage from private insurers.

Tennessee Regulatory Notes

Workers' comp is mandatory for employers with 5+ employees (1+ for construction).

Tennessee is an at-fault state for auto accidents.

State law mandates that uninsured motorist coverage be included in all auto policies.

The state's captive insurance program offers alternative risk financing options.

Workers' Comp Rate Details — Tennessee

Index Rate
$0.80
per $100 payroll
National Rank
#39
of 51 jurisdictions
vs. Median
27%
below national median
Required At
5+ employees
Below Average Cost
  • •Required for employers with 5 or more employees
  • •Construction employers need coverage with 1+ employee
  • •Coal mining employers need coverage regardless of size

Penalty for non-compliance: Class A misdemeanor; fines up to $10,000

Rate data: Oregon DCBS 2024 Premium Rate Ranking Study. Index rates represent the median rate per $100 of payroll across all classification codes.

Auto Insurance Minimums — Tennessee

Min. BI Liability
25/50
per person/accident ($K)
Min. Property Damage
$25,000
PIP Required
No
No-Fault State
No
  • •Standard tort liability state

Regulatory Overview — Tennessee

Key Facts

  • •WC rates are 27% below the national median
  • •WC threshold is 5+ employees (1+ for construction and coal mining)
  • •No state income tax
  • •Growing healthcare and automotive manufacturing hub
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Tennessee Insurance FAQ

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