Johnson City Workers' Compensation Insurance

Your Complete Guide to Johnson City, TN Workers' Comp Insurance

Find the right workers' comp insurance policy for you.


With its abundance of affordable housing, quality health care, and mild climate, Johnson City is an attractive location for businesses to set up shop. If you are among the many employers in this vibrant city, you may be required by law to carry workers’ compensation insurance. This insurance is designed to cover the costs associated with injuries and illnesses your employees may suffer on the job. If you are an employer in Johnson City, an independent insurance agent can help you find the best and most affordable workers’ compensation insurance policy to cover your business. Contact a local insurance agent to learn more.

Is Workers’ Compensation Insurance Required in Johnson City, TN?

Johnson City businesses are required to comply with Tennessee state laws. This state mandates that all employers in the construction and coal mining fields, and all other employers with at least five full- or part-time workers, must carry workers' compensation insurance. Failure to meet this requirement can result in large fines and the possible closure of your business. Tennessee does not require businesses to purchase coverage for sole proprietors, LLC members, partners, or corporate officers.  However, if you wish to cover these employees, you have the option to do so.

How Much Does Workers' Comp Insurance Cost in Johnson City?

Workers’ compensation costs are dependent on the types of jobs your employees do and your company’s overall payroll. Every type of job is assigned a designated classification code. Rates for each class code are regulated by the Tennessee Department of Labor and Workforce Development. Commercial insurance providers are required to use these base rates when calculating costs. 

Because these insurers are permitted to offer rate discounts of up to 25%, it is in your best interest to compare a few quotes before selecting a policy. The more likely a worker is to suffer a serious injury, the higher the cost for coverage.  The following are average rates paid per every $100,000 in employee payroll for the top three industries in Johnson City, TN:

  • Manufacturing: $4,510 a year
  • Healthcare and Social Assistance: $370 a year
  • Retail Trade: $1,230 a year

The manufacturing industry has some of the more expensive jobs to cover with workers’ comp insurance. This is because the frequency and severity of manufacturing-related injuries are on the high side. A manufacturing business with a well-established safety rating may be able to get significant policy discounts through experience modifiers. Talk to your independent insurance agent to learn more.

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Johnson City Workers’ Compensation Pays for Medical Treatments

Workers' compensation insurance ensures that when employees are injured or become ill on the job, they can receive appropriate medical treatment and follow up care without facing any out-of-pocket costs. As an employer, you have the right to designate a selection of authorized physicians that your workers can go to for their workers’ compensation medical care. 

Exceptions are made for severe injuries that require immediate attention. In that case, your policy will cover the cost of treatment at the nearest emergency facility. Workers’ comp insurance can also reimburse your employees for their mileage and travel expenses if they must travel more than 15 miles one way in order to receive care from an authorized physician or a referred specialist.

Does  Workers’ Comp Insurance Provide Disability Coverage in Johnson City, TN?

Sometimes work-related injuries or illnesses require employees to take more than a week off work to recuperate. If this happens, your workers’ compensation insurance can provide disability coverage. Temporary disability coverage gives the injured employee a weekly benefit of 2/3 of their average weekly wage until they can return to work. Sometimes, employees are only partially disabled. If their physician approves them to return to work in a light-duty capacity, the employees must comply or risk losing their benefits. 

Partial disability insurance will provide these workers with 2/3 of the difference in pay if their light-duty job pays less than their previous position. In the event that a work-related injury leaves an employee permanently disabled, workers’ compensation can pay out a lump-sum settlement payment to ease the financial burden. This is designed to provide the injured worker with 450 weeks’ worth of compensation in an amount that is based on their previous earnings and the severity of their impairment.

Does Workers Compensation Covers Fatal Work Injuries in Johnson City, TN?

If an employee succumbs to a work-related injury or illness, your workers’ compensation insurance can provide surviving family members with death benefits to help them manage the financial difficulties brought about by the loss. These benefits include up to $10,000 in burial costs and a weekly payment to the surviving spouse that can range from 50% to 66% of the employee’s previously earned wages, depending on whether the deceased left behind any dependent children. In the event that the fatally injured worker has neither a spouse nor dependents, $20,000 will be awarded to their estate.

What If Your Workers’ Compensation Claim Is Denied?

If your insurance provider has reason to believe that the injury in question did not occur on the job, your claim may be denied. The same holds true if the injured employee was intoxicated at the time of the work accident, or if there is reason to suspect that the injury was intentionally self-inflicted. You have the right to file an appeal with the Tennessee Bureau of Workers’ Compensation if you or your employees feel that a claim was unjustly denied. 

Find the Best Workers’ Compensation Insurance in Johnson City, TN

If you are looking for appropriate workers’ compensation insurance policy to cover your Johnson City business, an independent agent can help. These agents can match you up with an insurance provider that specializes in covering businesses in your industry. Your agent can also help you compare rates so that you can be sure that you are getting your policy at a competitive price.

Are you ready to work with a local, independent insurance agent? If so, find an insurance agent in or near Johnson City to get started.

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