Workers' Compensation for Contractors in Tennessee & Georgia

Workers Comp for Tennessee and Georgia Contractors — What You Need to Know

Workers comp for Tennessee and Georgia contractors is
required by law for most employers in both states. As an
independent insurance agency we help roofing, HVAC,
electrical, plumbing, and general contractors get
competitive workers comp rates across both states.

We have access to standard and E&S markets for
hard-to-place risks including contractors with high
mod rates or prior claims.

Workers Comp Requirements in Tennessee

Tennessee requires employers with five or more employees
to carry workers compensation insurance. Construction
industry employers must carry coverage with just one
employee. Penalties for non-compliance are significant.

Workers Comp Requirements in Georgia

Georgia requires employers with three or more employees
to carry workers compensation. Construction contractors
are subject to the same threshold. Coverage must be
in place before employees begin work.

How Workers Comp Rates Are Calculated

Your premium is based on payroll, class codes, and your
experience modification rate. A mod rate above 1.0 means
you are paying more than average for your industry. We
shop multiple carriers to find the most competitive rate.

E&S Markets for Hard-to-Place Contractors

Some contractors in Tennessee and Georgia struggle to
find affordable workers comp due to claims history or
class code. We have access to Excess and Surplus Lines
markets that can place coverage other agents cannot.

Frequently Asked Questions

Is workers comp required for contractors in Tennessee?
Yes for construction contractors with one or more employees.

Is workers comp required in Georgia?
Yes for employers with three or more employees.

Can I get coverage with a high mod rate?
Yes. We have E&S markets for contractors with higher
mod rates or prior claims.

Get a Workers Comp Quote for Tennessee and Georgia

Fill out the form above for a fast workers comp quote.
We serve contractors across Tennessee and Georgia
including Nashville, Atlanta, Knoxville, Chattanooga,
Memphis, and Savannah. Most quotes within 24 hours.