Cleveland Workers' Compensation Insurance

Your Complete Guide to Cleveland, TN Workers' Comp Insurance

Find the right workers' compensation insurance policy for you.


If you employ workers in Cleveland, you are responsible for providing them with a safe and healthy workplace. Unfortunately, accidents can happen at any time, any place, and to anyone. If one of your workers is injured or becomes ill on the job, your business is responsible for covering their medical treatment and financial losses. This is where workers’ compensation insurance can help. Independent Insurance Agents can shop around to help you find the best and most affordable workers’ compensation policy to cover your particular business. Contact an insurance agent in or near Cleveland, TN to get started.

Is Workers’ Compensation Insurance Required in Cleveland, TN?

All employers in Cleveland, TN must be in compliance with the state’s employment laws. The state of Tennessee mandates that all businesses in the construction and coal mining fields, and all other businesses with at least five employees, must carry workers' compensation insurance. It is not necessary to purchase coverage for sole proprietors, LLC members, partners, or corporate officers; however, you do have the option to purchase coverage for these employees if you want to.

How Much Does Worker’s Comp Insurance Cost in Cleveland, Tennessee?

Your workers’ compensation cost is calculated according to the types of jobs your employees do and your company’s overall payroll. Each kind of job is assigned a classification code, and rates for each of these codes are regulated by the Tennessee Department of Labor and Workforce Development. The more likely a worker is to suffer a significant injury on the job, the higher the cost for coverage. 

Insurance companies use these designated base rates when calculating costs. Because insurance providers have some leeway when it comes to offering discounts and incentives, it is in your best interest to compare a few policies and quotes before making a selection. The following are average rates paid per every $100,000 in employee payroll for three of the top industries in Cleveland, TN:

  • Manufacturing: $4,510 a year
  • Retail Trade: $1,230 a year
  • Accommodation & Food Services: $1,620

These are average rates based on large industry segments. In the manufacturing industry, there can be significant differences in cost depending on what your company produces. This is because some manufacturing jobs are more dangerous than others. For assistance getting actual, customized quotes for your particular business, contact a local independent insurance agent.

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What Does Cleveland Workers’ Comp Insurance Cover?

Workers’ compensation insurance (sometimes referred to as “workman’s comp”) is designed to cover the costs associated with on-the-job injuries. This shields your employees from large financial losses as a result of these injuries, and also significantly reduces your company’s risk of facing a liability lawsuit. You can expect your policy to cover the following:

  • Medical treatment: Workers’ comp will cover all costs associated with medical treatment and follow-up care for work-related illnesses and injuries. You may assign a list of authorized providers that your employees may go to for treatment. If an injury is severe, the employee may be seen and treated at the closest emergency room.
  • Mileage reimbursement: If an injured worker must travel more than 15 miles one way to receive medical care for a work-related injury, workers’ comp will reimburse them for their mileage and travel expenses.
  • Short-term disability: If an employee needs more than 7 consecutive days to recuperate from a work-related injury, they will be able to collect a weekly benefit of 2/3 of their average weekly pay until they can return to work.
  • Permanent disability: If a work-related injury is so severe that the injured worker will be unable to ever return to work, workers’ compensation insurance can provide up to 450 weeks’ worth of compensation in an amount that is based on both the employee’s average wages and the severity of their injury.
  • Death benefits: If a work-related injury or illness proves fatal, workers’ comp will cover burial expenses up to $10,000, and the employee’s spouse and dependent children can receive compensation to ease the financial burden. If the deceased employee has no spouse or dependents, $20,000 will be awarded to the employee’s estate.

You can learn more about each of these benefits by talking to a local independent agent.

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What If a Workers’ Compensation Claim Is Denied?

Occasionally, workers' compensation claims are denied. This might happen if the insurer has reason to believe that the injury did not actually occur while on the job if there is reason to suspect that the injury was intentionally self-inflicted, or if the injured employee was under the influence of drugs or alcohol at the time of the accident. 

If an employee feels that their workers’ compensation claim was unjustly denied, or if they are unhappy with a proposed settlement amount, the decision may be appealed. They can do this by filing a petition with the Tennessee Bureau of Workers’ Compensation as long as this is done within one year of the accident that resulted in the claim. Officials will then review the case and hand down a decision.

Find the Best Workers’ Compensation Insurance in Cleveland

If you are looking for an industry-appropriate workers’ compensation policy to cover your Cleveland business, an independent agent can help. These agents can match you up with an insurance provider that specializes in covering businesses like yours. Your agent can also help you compare rates from competing insurers so that you can be sure you are getting your coverage at a competitive price. Discover how easy it can be to find the right workers’ compensation policy for your business. 

Contact an insurance agent in or near Cleveland, TN to start comparing customized quotes.

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