Small-business cover in Tennessee.
In Tennessee, workers’ comp is required at Non-construction: 5+ employees; construction (CSPs): required for all employers with 1+ employee[S]Tennessee workers' compensation threshold. Tennessee generally requires workers' comp at five or more employees for non-construction employers. All construction service providers (CSPs) must carry coverage from the first employee, regardless of business size. Contractors above a monetary threshold require a state license. Regulated by the Tennessee Department of Labor & Workforce Development Bureau of Workers' Compensation.
Updated 2026-05-16 · Beaconcover editorialWhat Tennessee requires.
Non-construction: 5+ employees; construction (CSPs): required for all employers with 1+ employee[C]Tennessee workers' compensation threshold
Tennessee generally requires workers' comp at five or more employees for non-construction employers. All construction service providers (CSPs) must carry coverage from the first employee, regardless of business size. Contractors above a monetary threshold require a state license. Regulated by the Tennessee Department of Labor & Workforce Development Bureau of Workers' Compensation.
State licensing notes.
- Construction service providers hit the workers' comp requirement at employee one
- Contractor licensing keyed to project monetary thresholds