Beauty Salon & Spa workers compensation in Tennessee
Beauty Salon & Spa businesses in Tennessee pay a median rate of $0.180 per $100 of payroll, ranging from $0.180 to $0.180. The national median for Beauty Salon & Spa is $0.260, so Tennessee sits 31% below the national average. 1 unique NCCI class codes are filed in this state for Beauty Salon & Spa occupations. Verified 2026-05-09.
Top Beauty Salon & Spa class codes in Tennessee
The class codes most likely to apply to a Beauty Salon & Spa operation in Tennessee, sorted from cheapest to most expensive per $100 of payroll. Click into any code for the full state-by-state rate comparison.
| Code | Occupation | Rate per $100 | Confidence |
|---|---|---|---|
| 9586 | Barber, beauty parlor, hair stylist | $0.180 | HIGH |
Tennessee compliance for Beauty Salon & Spa employers
Coverage threshold
Employers with 5 or more employees are generally required to carry workers' compensation insurance, with exceptions for certain industries.
1099 vs W-2 in Beauty Salon & Spa
Workers are generally presumed to be employees unless they meet specific criteria for independent contractor status, often based on control and economic dependence.
Owner exclusion
Allowed in Tennessee. Sole proprietor self-coverage optional; LLC member self-coverage optional.
Max weekly benefit
$1,427 at 66.67% of average weekly wage, effective 2025-07-01.
Statute of limitations
1 year from injury date in Tennessee.
Audit window
Tennessee carriers audit payroll within 90 days of policy expiration. Keep Beauty Salon & Spa payroll segregated by class code and have job-duty documentation ready.
Cross-cite: full Tennessee workers comp overview · Beauty Salon & Spa cross-state rate comparison · Tennessee workers comp lawyer guide · Tennessee settlement chart
Estimate your Beauty Salon & Spa premium in Tennessee
Pre-filled to Beauty Salon & Spa and Tennessee. Adjust payroll to see a real premium range from filed rates.
Estimate your workers comp premium
Pick your industry, state, and annual payroll. Range comes from real rate filings.
Estimated annual premium for Beauty Salon & Spa in Tennessee
$900to$900
Median: $900 · Rate range $0.180 to $0.180 per $100 payroll
Industry median across all states
$1,300
Cheapest states for Beauty Salon & Spa
- Virginia $0.151
- Kentucky $0.160
- Utah $0.160
Most expensive
- California $1.19
- New Jersey $0.530
- Hawaii $0.460
Estimate based on 22 states of rate-filing data. Actual premium also reflects experience modifier, schedule credits, and carrier underwriting.
Filing checklist for Beauty Salon & Spa businesses in Tennessee
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Step 1, Confirm coverage threshold
Employers with 5 or more employees are generally required to carry workers' compensation insurance, with exceptions for certain industries. For Beauty Salon & Spa operations, this typically applies once you make a first W-2 hire, even part-time.
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Step 2, Pick the right class code
Beauty Salon & Spa businesses typically use codes like 9586. The wrong code can cost 4 to 10x more or get reclassified at audit. In Tennessee, the cheapest code on this list is 9586 at $0.180 and the most expensive is 9586 at $0.180.
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Step 3, Get a quote
Private carriers write Beauty Salon & Spa coverage in Tennessee. Schedule credits up to 25% are typical for low-loss accounts.
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Step 4, Document subcontractors
General contractors are generally liable for the workers' compensation coverage of uninsured subcontractors and their employees. Beauty Salon & Spa operators with crews of 1099s should keep certificates of insurance for every sub, otherwise the GC absorbs the sub liability at audit.
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Step 5, Annual audit
Carriers audit payroll within 90 days of policy expiration. Have payroll segregated by class code, job descriptions on file, and overtime properly excluded from rated payroll. Beauty Salon & Spa class allocation can shift if any worker spends more than 50% of time on a different code.
Beauty Salon & Spa workers comp FAQs in Tennessee
What is the typical workers comp rate for Beauty Salon & Spa in Tennessee?
Beauty Salon & Spa employers in Tennessee pay a median rate of $0.180 per $100 of payroll, with rates ranging from $0.180 to $0.180 depending on the specific class code. The national median across all states for Beauty Salon & Spa is $0.260, so Tennessee sits about 31% below the national average.
How many Beauty Salon & Spa class codes are filed in Tennessee?
Tennessee has 1 unique NCCI class codes filed for Beauty Salon & Spa occupations, drawn from 1 state-class code rate cells in our dataset. The most common codes include 9586 (Barber, beauty parlor, hair stylist).
Are Beauty Salon & Spa 1099 contractors covered by workers comp 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.
What is the maximum weekly benefit for an injured Beauty Salon & Spa worker in Tennessee?
Tennessee caps weekly workers comp benefits at $1,427 (effective 2025-07-01), calculated as 66.67% of the average weekly wage. Beauty Salon & Spa workers are subject to the same statutory cap as workers in any other industry.
How long does a Beauty Salon & Spa worker have to file a comp claim in Tennessee?
The statute of limitations in Tennessee is 1 year from the date of injury. Most claims also require notice to the employer within 30 days. Beauty Salon & Spa workers should report any incident on the date it happens, even minor strains, because cumulative trauma claims can fail without contemporaneous documentation.
Can a Beauty Salon & Spa business owner exclude themselves from comp coverage in Tennessee?
Yes, Tennessee allows business owners (sole proprietors, partners, LLC members, corporate officers) to file an exclusion election. Beauty Salon & Spa owner-operators often elect out to keep premium below the minimum. Sole-proprietor self-coverage is not required, and LLC member self-coverage is not required.