In Tennessee employers who have five or more employees (full or part-time); as well as employers with any employees or corporate officers in construction or mining industry must have Workers’ Compensation. This is determined by a state-by-state basis, so the laws may vary with each state.
For instance, in different states, an employer could potentially be arrested for not being able to provide proof of coverage. However, in Tennessee, the penalties are different. Here is the overview of penalties. Check with your independent insurance agent if you have any questions or concerns regarding Workers’ Compensation.