Do contractors in Tennessee need workers compensation insurance?

Workers comp at 5+ employees; $1M liability common. In Tennessee, coverage rules are defined by T.C.A. §50-6. COIFort lets you require workers comp from every contractor and flags any certificate that does not include it.

What are the certificate of insurance requirements in Tennessee?

Tennessee requires workers comp for employers with 5+ employees; COI verification is routine in construction and facilities work. Beyond state law, most commercial contracts in Tennessee require $1M+ general liability and additional insured endorsements — COIFort verifies every submitted certificate against your exact template.

How do I track contractor COIs automatically?

COIFort emails each contractor a secure upload link, verifies coverage types, limits and dates against your requirements, and reminds both sides before any certificate expires. No spreadsheets, no chasing.

Certificate of Insurance Requirements in Tennessee

Tennessee requires workers comp for employers with 5+ employees; COI verification is routine in construction and facilities work.

What contractors in Tennessee must carry

Workers comp at 5+ employees; $1M liability common.

Key facts about Tennessee COI compliance

Workers comp applies at 5+ employees
COI verification is routine in construction and facilities work
Tennessee contractors must be licensed in most trades

Typical requirements in Tennessee

General liability	$1M common
Workers compensation	Required at 5+ employees
Additional insured	Common in construction

Typical contract terms in Tennessee — always confirm with your legal counsel and insurer.

Statutory basis

Key references: T.C.A. §50-6. Note that contract requirements often exceed state law — most commercial agreements in Tennessee require $1M+ general liability and additional insured endorsements regardless of statute.

How COIFort keeps you compliant in Tennessee

You define the requirement template once — coverage types, minimum limits, additional insured. Every certificate a Tennessee-based vendor uploads is automatically verified against it, and renewal reminders fire before any expiration. Your certificate history is audit-ready 24/7.