AmeriSure in Tennessee
AmeriSure writes workers compensation insurance in Tennessee, with A AM Best rating and a $1,500 minimum premium. Tennessee carriers operate under NCCI rate filings, with a max weekly benefit of $1,427 and a statute of limitations of 1 year. Verified 2026-05-09.
AmeriSure in Tennessee
Mid-market specialist with strong loss-control services. The carrier's industry focus is manufacturing, construction, transportation, and the AM Best rating is A with a Stable outlook. Quotes go through licensed agents or the carrier underwriting team. Pay-as-you-go billing is available, which reconciles premium each pay period instead of at the annual audit. Self-service audit is available, employers can upload payroll records through a portal instead of waiting for an auditor visit.
Tennessee workers comp rules that apply to every carrier
Tennessee workers comp benefits are set by statute, not by the carrier. The maximum weekly indemnity benefit is $1,427 at 66.67% of the average weekly wage. The statute of limitations to file a claim is 1 year from the date of injury. Coverage threshold: Employers with 5 or more employees are generally required to carry workers' compensation insurance, with exceptions for certain industries. On 1099 contractors: Workers are generally presumed to be employees unless they meet specific criteria for independent contractor status, often based on control and economic dependence.
How to get a AmeriSure quote in Tennessee
Have your FEIN, NCCI class code (or job description if you do not know the code yet), estimated annual payroll by class code, three years of loss runs from prior carriers, your published EMR (experience modifier) if you have one, and certificates of insurance for any subcontractors. AmeriSure can quote faster with complete information; missing payroll detail or loss runs typically delays underwriting by 5 to 10 business days.
Related
FAQs
Does AmeriSure write workers comp in Tennessee?
Yes. AmeriSure writes workers compensation in 24 states (mostly midwest + south), including Tennessee. AM Best rates the carrier A (Stable outlook), and the minimum premium is $1,500. Quotes go through agents or direct underwriting.
What kind of Tennessee businesses does AmeriSure target?
AmeriSure focuses on manufacturing, construction, transportation. Mid-market specialist with strong loss-control services.
What is the max weekly workers comp benefit in Tennessee on a AmeriSure policy?
Statutory benefits are set by state law, not by the carrier. Tennessee caps weekly indemnity at $1,427 (effective 2025-07-01), calculated as 66.67% of the average weekly wage. AmeriSure pays the same statutory benefit as any other Tennessee carrier.
How does AmeriSure handle 1099 contractors in Tennessee?
Workers are generally presumed to be employees unless they meet specific criteria for independent contractor status, often based on control and economic dependence. AmeriSure audits 1099 status against the same standard at policy audit; missing certificates of insurance for subcontractors typically lead to the sub payroll being added to the rated base.
Does AmeriSure offer pay-as-you-go workers comp in Tennessee?
Yes. AmeriSure offers pay-as-you-go workers comp, where premium is calculated each pay period based on actual payroll instead of estimated annual payroll. Pay-as-you-go reduces audit surprises and is available in Tennessee through AmeriSure.
When does AmeriSure audit my payroll in Tennessee?
Tennessee carriers including AmeriSure audit within 90 days of policy expiration. Have payroll segregated by class code, certificates of insurance for every subcontractor, and overtime documented separately.