Fitness & Gym workers compensation in Tennessee
Fitness & Gym businesses in Tennessee pay a median rate of $0.280 per $100 of payroll, ranging from $0.280 to $0.280. The national median for Fitness & Gym is $0.430, so Tennessee sits 35% below the national average. 1 unique NCCI class codes are filed in this state for Fitness & Gym occupations. Verified 2026-05-09.
Top Fitness & Gym class codes in Tennessee
The class codes most likely to apply to a Fitness & Gym 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 |
|---|---|---|---|
| 9063 | YMCA, YWCA, gym | $0.280 | HIGH |
Tennessee compliance for Fitness & Gym 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 Fitness & Gym
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 Fitness & Gym payroll segregated by class code and have job-duty documentation ready.
Cross-cite: full Tennessee workers comp overview · Fitness & Gym cross-state rate comparison · Tennessee workers comp lawyer guide · Tennessee settlement chart
Estimate your Fitness & Gym premium in Tennessee
Pre-filled to Fitness & Gym 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 Fitness & Gym in Tennessee
$1,400to$1,400
Median: $1,400 · Rate range $0.280 to $0.280 per $100 payroll
Industry median across all states
$2,150
Cheapest states for Fitness & Gym
- Kentucky $0.270
- Virginia $0.271
- Maryland $0.280
Most expensive
- New Jersey $1.29
- Hawaii $0.730
- Alaska $0.660
Estimate based on 21 states of rate-filing data. Actual premium also reflects experience modifier, schedule credits, and carrier underwriting.
Filing checklist for Fitness & Gym 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 Fitness & Gym 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
Fitness & Gym businesses typically use codes like 9063. The wrong code can cost 4 to 10x more or get reclassified at audit. In Tennessee, the cheapest code on this list is 9063 at $0.280 and the most expensive is 9063 at $0.280.
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Step 3, Get a quote
Private carriers write Fitness & Gym 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. Fitness & Gym 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. Fitness & Gym class allocation can shift if any worker spends more than 50% of time on a different code.
Fitness & Gym workers comp FAQs in Tennessee
What is the typical workers comp rate for Fitness & Gym in Tennessee?
Fitness & Gym employers in Tennessee pay a median rate of $0.280 per $100 of payroll, with rates ranging from $0.280 to $0.280 depending on the specific class code. The national median across all states for Fitness & Gym is $0.430, so Tennessee sits about 35% below the national average.
How many Fitness & Gym class codes are filed in Tennessee?
Tennessee has 1 unique NCCI class codes filed for Fitness & Gym occupations, drawn from 1 state-class code rate cells in our dataset. The most common codes include 9063 (YMCA, YWCA, gym).
Are Fitness & Gym 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 Fitness & Gym 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. Fitness & Gym workers are subject to the same statutory cap as workers in any other industry.
How long does a Fitness & Gym 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. Fitness & Gym workers should report any incident on the date it happens, even minor strains, because cumulative trauma claims can fail without contemporaneous documentation.
Can a Fitness & Gym 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. Fitness & Gym 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.