06/02/2026
Most contractors think workers comp is optional until you have a certain number of employees.
Not in Tennessee, and especially not in construction.
Tennessee requires workers comp for construction businesses with even one employee. That includes part-time workers, day laborers, and in many cases, subcontractors. The rules are stricter for trades than almost any other industry in the state.
Here's what's really at stake: if someone gets hurt on your job and you're not covered, you're personally responsible for their medical bills and lost wages. And that's before any legal exposure.
We have talked to GCs and trades contractors across Middle TN who didn't know where they actually stood until we sat down and walked through it together.
Protecting what you've built means making sure your crew is covered, not just your tools.
If you want to know where you stand, let's chat. 📞 615-773-2886