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Workers Comp Insurance
Pays for medical care and lost wages when an employee is hurt or becomes ill because of their job.
What it covers
- Medical treatment for work-related injuries and illness
- Partial wage replacement while an employee recovers
- Disability and death benefits
- Legal defense for work-injury claims (employer’s liability)
Who needs it
- Contractors with employees
- Contractors who hire subcontractors without their own coverage
- Many Tennessee contractors are required by law to carry it; we can confirm what applies to you
Good to know
- Premiums are based on your payroll and the type of work your crew does
- Accurate payroll and job classifications help avoid surprises at audit
- Collect a certificate of insurance from every subcontractor
Get your free quote
Tell us about your business and we’ll help you find the right coverage.