Tennessee Workers Comp Calculator
Estimate workers compensation premiums for Tennessee businesses using state-specific rate adjustments.
Workers Comp Premium Estimator
Formula: (Payroll ÷ 100) × Class Rate × Experience Mod
Enter total annual wages paid to employees in this job class
State adjustment factor: 0.88x (vs. national average)
1.00 = average. Below 1.00 = better safety record (discount). Above 1.00 = more claims (surcharge).
Workers Comp in Tennessee: What to Know
Market System
competitive
Avg. Rate
$1.60/100
Rate Factor
0.88x national avg
Tennessee workers compensation rates are adjusted by a factor of 0.88x compared to the national average. This reflects Tennessee's specific claims experience, medical costs, and regulatory environment.
Like all states, Tennessee requires most employers to carry workers compensation insurance. Premiums are based on your payroll by job class, your company's claims history (experience modifier), and rates filed by your chosen insurer.
Common Class Code Rates for Tennessee
| Job Type | Code | Nat'l Rate | TN Rate |
|---|---|---|---|
| Office/Clerical | 8810 | $0.35 | $0.31 |
| Outside Sales | 8742 | $0.58 | $0.51 |
| Automobile Salesperson | 8748 | $0.65 | $0.57 |
| Retail Store | 8017 | $1.50 | $1.32 |
| Department Store | 8061 | $1.40 | $1.23 |
| Grocery Store | 8006 | $2.10 | $1.85 |
| Restaurant/Food Service | 9079 | $2.50 | $2.20 |
| Fast Food Restaurant | 9058 | $2.20 | $1.94 |
Rate per $100 of payroll. State rate = national avg × 0.88 (Tennessee factor). Estimates only.