WCRates

Workers' Compensation Rates in Tennessee (2026)

State Overview

Bureau Type

ncci

NCCI

WC Requirement

Mandatory

Minimum Employees

5

Effective Date

2026-01-01

Tennessee requires workers' comp for employers with five or more employees. Recent reforms have helped keep rates competitive.

Average Rate (All Class Codes)

$4.87

per $100 of payroll

Least Expensive Class Codes

Most Expensive Class Codes

All Class Codes & Rates in Tennessee

CodePhraseologyHazard GroupRate per $100
8823Accountant - CPAA$0.16
8862Advertising AgencyA$0.20
7403Aircraft Operation - NOCE$8.42
7605Alarm Installation or RepairD$4.32
5047Aluminum InstallationE$7.05
8836Ambulance Service - All EmployeesC$5.01
7398Ambulette/Medical TransportD$5.01
9067Amusement Park - Mechanical RidesD$4.78
9016Amusement Park or Carnival - All EmployeesD$3.73
7520Amusement Ride OperationD$5.23
8831Animal Hospital - VeterinaryC$2.05
8861Architect or Engineer - ConsultingB$0.36
5473Asphalt PavingF$9.33
9625Assisted Living FacilityD$4.10
9182Athletic Teams - AmateurE$6.60
9180Athletic Teams - ProfessionalF$11.38
8820Attorney - All Employees & ClericalA$0.18
8803Auditing, Accounting or Management ConsultingA$0.18
8046Auto Accessories StoreB$1.14
8385Auto Parts Store - RetailC$2.09
5188Automatic Sprinkler InstallationE$7.14
8392Automobile Body RepairE$6.60
8748Automobile Dealer - All EmployeesD$3.41
8391Automobile DismantlingE$6.19
8380Automobile Service or Repair CenterD$4.10
8389Automobile TowingE$7.74
7422Aviation - Ground CrewE$6.60
2003BakeryC$3.19
3724Bakery - ManufacturingD$3.87
8815Bank - All EmployeesA$0.14
8855Banks and Trust Companies - All EmployeesA$0.15
9586Barber Shop or Beauty ParlorC$1.37
7337Boat Building - MetalF$8.87
7335Boat Building - WoodE$6.83
3027Boiler ManufacturingE$7.05
8072Book StoreA$0.46
2157BottlingC$2.96
9071Bowling Alley - All EmployeesC$2.23
9070Bowling Center - AllC$2.28
2065BreweryC$2.96
9650Building InspectionC$2.05
8058Building Materials DealerD$4.78
9015Building Operation - All Other EmployeesC$2.82
7382Bus Company - All EmployeesD$6.83
8850Bus/Taxi - DispatchingA$0.41
5146Cabinet InstallationD$6.14
5148Cabinet Manufacturing & InstallD$5.46
2812Cabinet/Wood Products ManufacturingD$5.69
9055Camps - Day/OvernightC$2.96
2095Candy ManufacturingC$2.73
2111CanneryD$4.78
9602Car WashC$2.28
5645Carpentry - CommercialF$11.38
5432Carpentry - Detached One/Two FamilyE$8.42
5436Carpentry - Finish DetachedD$5.92
5437Carpentry - FramingF$12.97
5404Carpentry - Install CabinetsD$6.37
5403Carpentry - ResidentialF$10.24
2802Carpentry - Shop OnlyD$5.01
9536Carpet CleaningC$2.73
9519Catering NOCC$3.19
5020Ceiling InstallationE$7.74
9610Cemetery - AllD$3.19
5348Ceramic Tile, Indoor Stone, Marble, or Mosaic WorkE$5.01
2131Cereal ManufacturingC$2.64
7405Charter AircraftF$11.60
9660Chimney SweepD$4.32
8826Chiropractic OfficeB$0.82
8812Clerical - Drafting EmployeesA$0.20
8810Clerical Office EmployeesA$0.23
2501Clothing ManufacturingB$2.05
8008Clothing or Wearing Apparel Store - RetailC$1.68
9061Club NOC - All EmployeesC$2.55
8844Collection AgencyA$0.20
8868College or University - Professional EmployeesB$0.41
7380Commercial DriversD$7.74
8859Computer Programming or Software DevelopmentA$0.16
5201Concrete Block ManufacturingE$7.28
5213Concrete Construction NOCF$8.87
5214Concrete NOC - PouredF$9.33
5221Concrete or Cement Work - Floors, Driveways, YardsF$8.10
5070Concrete Products ManufacturingE$5.92
5215Concrete WorkF$10.47
5222Concrete/Cement - FloorsE$7.51
8227Construction Material - UsedD$5.23
8019Convenience StoreC$2.05
7715Corrections OfficersG$8.42
9558Courier/Document DeliveryC$2.96
7719Court EmployeesB$1.14
8865Court ReporterA$0.14
2070Creamery/Dairy ProductsC$3.41
8801Credit Union - All EmployeesA$0.14
8805Credit Union/SavingsA$0.14
9059Day SpaB$1.37
8854Daycare CenterC$2.28
8822Dental LaboratoryB$0.68
8824Dental Office - All EmployeesB$0.50
8039Department Store - RetailC$1.82
2102DistilleryC$2.82
5108Door/Window InstallationD$5.69
5152Drilling NOCF$12.29
8047Drug StoreB$0.86
2688Dry CleaningC$2.96
8866Election CampaignB$0.77
7539Electric Light/Power CompaniesF$9.56
3082Electrical Apparatus ManufacturingD$4.10
5140Electrical Installation - InteriorD$4.78
5193Electrical Wiring - AlarmD$5.01
5191Electrical Wiring - CommercialE$6.60
5190Electrical Wiring - Within BuildingsE$5.69
9653Elevator InspectionC$1.82
5160Elevator InstallationF$9.56
5162Elevator Service/MaintenanceE$7.51
8858Employment AgencyA$0.18
7711EMT/ParamedicsF$6.83
6217Excavation NOCF$9.83
8809Executive RecruitingA$0.18
0035Farm - DairyE$7.96
0005Farm - Field CropsE$8.65
0016Farm - LivestockF$9.33
0050Farm - Orchard or GroveE$7.10
8841Financial AdvisorA$0.15
7710Firefighters and DriversD$5.92
2161Fish ProcessingE$5.92
8032Florist - RetailB$1.05
2130Flour MillingD$3.87
7350Freight HandlingE$6.60
2143Fruit ProcessingD$3.64
9620Funeral Directors - All EmployeesC$1.59
2883Furniture ManufacturingD$5.01
7590Garbage/Ash CollectionF$8.87
2913Glass ManufacturingE$6.83
2915Glass MerchantD$4.78
5462GlazierE$7.74
9056Golf ClubC$2.28
8811Government ClericalA$0.20
8304Grain ElevatorE$6.37
2041Grain MillingD$4.10
8006Grocery Store - RetailC$2.28
9585Hair SalonB$1.14
8116Hardware DealerC$2.96
8055Hardware Store - GeneralC$2.28
8044Hardware Store - RetailC$2.50
8010Hardware Store - WholesaleC$2.37
5137Heating Equipment InstallationD$5.23
5185Heating System InstallationD$5.01
5537Heating, Ventilation, Air Conditioning and RefrigerationE$5.23
5239Highway ConstructionG$13.65
8851Home for Aged - AllD$4.78
8835Home Health Care ServicesC$3.78
8834Hospital - All Other EmployeesC$4.10
9040Hospital - Non-ProfessionalD$5.01
8833Hospital - Professional EmployeesC$2.59
9052Hotel - All EmployeesC$3.32
9058Hotel or Motel - All Other EmployeesC$3.19
9529House CleaningC$2.96
9033Housing AuthorityB$1.37
2039Ice Cream ManufacturingC$3.19
8215Ice DealerC$2.73
8203Ice ManufacturingD$4.10
5479Insulation WorkE$6.83
8818Insurance Company - ClericalA$0.16
8845Investigator/DetectiveC$2.05
8840Investment CompanyA$0.14
5038Iron Doors/Gates InstallationF$13.20
5057Iron or Steel Erection - NOCG$15.70
5102Iron or Steel Erection - StructuralG$16.84
5069Iron/Steel - NOCG$19.11
5059Iron/Steel - OrnamentalF$11.15
5040Iron/Steel Erection - FrameG$22.30
8106Iron/Steel MerchantD$5.01
6229Irrigation Works - All OperationsE$5.92
9014Janitorial Services - By ContractorC$3.87
8013Jewelry StoreB$0.77
8263Junk DealerD$5.01
0917Landscape Gardening - NOCD$4.78
5443LathingE$7.96
2660Laundry NOCC$3.19
2586Leather Goods ManufacturingC$2.73
9034Library - All EmployeesA$0.59
7716LifeguardsD$3.41
8232LoggingG$22.75
7317Longshore WorkersG$17.29
8061Lumber DealerD$5.23
3632Machine Shop NOCD$4.32
3030Machinery ManufacturingD$5.01
3685Machinist NOCD$4.64
7327Marine TransportationF$11.38
5029Masonry - DecorativeE$8.65
5027Masonry - FireproofF$10.01
5028Masonry - StoneF$11.60
5022Masonry NOCF$9.56
8031Meat Market - RetailC$2.50
2001Meat PackingF$7.96
8033Meat, Fish or Poultry Dealer - RetailC$2.96
8838Medical LabB$0.68
7360Messenger ServiceC$3.19
3581Metal Stamping - NOCE$5.60
9554Moving Company - LocalE$7.51
9410Municipal, Township, County or State Employees - NOCC$3.19
9587Nail SalonB$0.91
8860Newspaper - DeliveryC$3.41
8869Newspaper or Magazine Publishing - All EmployeesB$0.32
8807Newspaper PublishingB$0.77
0042Nursery EmployeesE$5.69
9046Nursing - Home/VisitingD$5.23
9049Nursing Home - AllD$5.01
8829Nursing Home - All EmployeesC$4.78
8804Office Machine ServiceB$1.37
8825Optometry OfficeA$0.36
8742Outside Sales PersonnelB$0.50
8037Paint StoreB$0.91
9012Painting - Buildings, Interior - By ContractorsC$3.41
5474Painting - Interior or ExteriorE$6.83
7721Park RangersD$3.19
8821Patent/Copyright AttorneyA$0.18
4361Pest Control ServicesD$4.10
9549Pet GroomingC$1.59
8099Pet StoreB$1.05
8846Pharmaceutical SalesB$0.50
8839Pharmacy - RetailB$0.82
7600Phone/Telegraph InstallationE$6.37
8832Physician & ClericalB$0.41
2110Pickle ManufacturingC$2.59
7313Pier/Wharf OperationF$10.24
5480Plastering NOCE$6.60
8111Plumber - CommercialE$5.46
5183Plumbing NOCE$6.14
7723Police Officers - MountedF$9.78
7720Police Officers and DriversD$5.23
8816Post OfficeC$2.50
2002Poultry ProcessingF$7.74
3076Printing - Offset or DigitalD$2.82
8843Psychiatric HospitalD$4.10
9088Public WorksE$5.92
8015Quick PrintingB$0.91
8857Radio Station - ClericalA$0.16
7610Radio/TV BroadcastingB$1.14
7855Railroad OperationE$6.83
8856Real Estate Agency - All EmployeesC$1.09
8817Real Estate ManagementB$1.14
9077Recreation CenterC$2.28
3060Refrigerator ManufacturingD$4.32
8849Research Lab - AnalyticalB$1.00
9079Restaurant - Fast FoodC$2.96
9083Restaurant - Fast Food - Including DeliveryD$3.73
9082Restaurant NOCD$3.41
8045Retail Store - Cannabis/DispensaryC$1.96
8017Retail Store NOCC$1.91
5551Roofing - All EmployeesG$22.75
5606Roofing ContractorG$20.48
7724Sanitation WorkersF$7.74
9101School - All EmployeesB$1.68
9102School - Professional EmployeesB$0.59
9105School Bus DriversD$4.10
9008Schools - VocationalC$2.50
9060Senior CenterB$1.59
5538Sheet Metal Work - HVAC DuctworkE$6.19
8090Shoe StoreA$0.50
5119Siding InstallationE$6.83
9072Skating RinkC$2.50
8864Social Services OrganizationB$1.14
2105Soft Drink ManufacturingC$2.50
8078Sporting Goods StoreB$1.14
8279Stable/Riding AcademyD$4.78
7309StevedoringG$16.84
8293Storage WarehouseD$4.32
8021Store - FurnitureC$2.28
5506Street/Road ConstructionF$10.69
5507Street/Road Construction - ClearingF$9.10
2021Sugar ManufacturingD$3.87
5223Swimming Pool ConstructionF$8.42
9064Swimming Pool OperationC$2.50
2623TanningD$5.01
7370Taxi/RideshareD$6.14
7390Taxicab Company - All EmployeesD$7.10
8871Telecommunication Employees - NOCA$0.27
8814Telephone Company - ClericalA$0.16
5037Tile RoofingG$20.02
2121Tobacco ManufacturingC$2.28
7232Trucking - Furniture MovingE$9.56
7229Trucking - HazmatG$13.42
7228Trucking - Local Hauling OnlyD$7.96
7219Trucking - Long HaulE$10.47
7231Trucking - Mail, Parcel, or Package DeliveryD$8.28
7202Trucking - NOCE$8.65
7227Trucking - RefrigeratedE$9.33
8847Trust CompanyA$0.14
9522UpholsteryC$2.50
9068Veterans HomeD$3.87
8842Veterinary Office - All EmployeesC$1.00
5180Water Main ConstructionF$10.92
3365Welding or Cutting NOCE$7.51
8018Wholesale Store NOCC$2.18
5196Wiring - Fire Detection SystemsD$4.32
2841Woodworking NOCD$5.23
2286Wool ProcessingC$2.87
8802Writer/AuthorA$0.18
2220Yarn/Thread ManufacturingC$2.73
9063YMCA, YWCA, or Health Club - All EmployeesC$2.59

States with Similar Rates

North Carolina

Avg rate: $5.03 per $100

Texas

Avg rate: $4.38 per $100

Ohio

Avg rate: $5.45 per $100

Georgia

Avg rate: $5.61 per $100

Florida

Avg rate: $6.15 per $100

Illinois

Avg rate: $6.42 per $100

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