Tennessee Workers' Compensation
Tennessee is known for its southern cooking, country music, and Tennessee whiskey. However, The Volunteer State offers much more, and is known for its many small businesses and corporate headquarters.
Tennessee’s small business industry has been on a strong rise. The state is known for its many attractions such as the Great Smoky Mountains National Park, Lookout Mountain, and the Country Music Hall of Fame. Major industries in the state include agriculture, manufacturing, tourism, health care, are music/entertainment. FedEx, HCA Healthcare, AutoZone, Dollar General, and Cracker Barrel all have their corporate headquarters in Tennessee.
Small businesses in Tennessee employ more than 1.1 million people. This accounts for almost 43% of the state’s private workforce, and with more than 72,900 workplace injuries and 122 fatalities across all industries in 2018, small businesses need to make sure they have workers’ compensation insurance coverage.
Large businesses in Tennessee also self-insure and set aside funds that are dedicated to workers’ comp. Zenployers is a perfect match for this as well.
WC OverviewTennessee has a no-fault system workers’ compensations system. That means it doesn’t matter if an employee caused their own injury by being careless. If they are otherwise eligible, they are entitled to benefits. However, there are some exceptions.
- Domestic employees
- Agricultural employees
- Workplace employing less than five workers
- Voluntary services
- Employees covered under federal law
- Independent contractors
- Medical treatment
- Medical supplies/equipment
WC PayoutsYour worker’s comp insurance must pay for your employee’s medical treatment from day one for any work-related injury. Work-related illnesses are also covered under workers’ compensation law. Illnesses or conditions caused by exposure to harmful conditions (such as mold) or products (such as caustic chemicals) are all covered. If your employees are injured in this way at work in Tennessee, they may be entitled to benefits under workers’ compensation law.
Fatal injuries were in the service providing industry
Fatal injuries were in the construction industry
Fatal injuries were from slips, falls, or trips
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