Hotels & Hospitality workers compensation in Tennessee
Hotels & Hospitality businesses in Tennessee pay a median rate of $0.470 per $100 of payroll, ranging from $0.150 to $4.57. The national median for Hotels & Hospitality is $0.860, so Tennessee sits 45% below the national average. 11 unique NCCI class codes are filed in this state for Hotels & Hospitality occupations. Verified 2026-05-09.
Top Hotels & Hospitality class codes in Tennessee
The class codes most likely to apply to a Hotels & Hospitality 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 |
|---|---|---|---|
| 7453 N | Boat Livery | $0.150 | HIGH |
| 9012 | Building Operation - Theaters | $0.300 | HIGH |
| 9061 | Country club | $0.380 | HIGH |
| 9084 | Hotel, All Employees | $0.410 | HIGH |
| 9083 | Bar, Tavern, or Nightclub | $0.430 | HIGH |
| 9060 | Country Club Operations | $0.470 | HIGH |
| 9058 | Hotel, all other employees | $0.480 | HIGH |
| 7425 | Railroad Sleeping Car | $0.560 | HIGH |
| 9182 | Golf Course Operation | $0.670 | HIGH |
| 9033 | Hotel Operations | $0.830 | HIGH |
Tennessee compliance for Hotels & Hospitality 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 Hotels & Hospitality
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 Hotels & Hospitality payroll segregated by class code and have job-duty documentation ready.
Cross-cite: full Tennessee workers comp overview · Hotels & Hospitality cross-state rate comparison · Tennessee workers comp lawyer guide · Tennessee settlement chart
Estimate your Hotels & Hospitality premium in Tennessee
Pre-filled to Hotels & Hospitality 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 Hotels & Hospitality in Tennessee
$750to$22,850
Median: $2,350 · Rate range $0.150 to $4.57 per $100 payroll
Industry median across all states
$4,300
Cheapest states for Hotels & Hospitality
- Pennsylvania $0.380
- Utah $0.460
- Tennessee $0.470
Most expensive
- California $3.38
- New Jersey $2.19
- Hawaii $1.77
Estimate based on 24 states of rate-filing data. Actual premium also reflects experience modifier, schedule credits, and carrier underwriting.
Filing checklist for Hotels & Hospitality 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 Hotels & Hospitality 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
Hotels & Hospitality businesses typically use codes like 7453, 9060, 9061. The wrong code can cost 4 to 10x more or get reclassified at audit. In Tennessee, the cheapest code on this list is 7453 N at $0.150 and the most expensive is 9033 at $0.830.
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Step 3, Get a quote
Private carriers write Hotels & Hospitality 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. Hotels & Hospitality 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. Hotels & Hospitality class allocation can shift if any worker spends more than 50% of time on a different code.
Hotels & Hospitality workers comp FAQs in Tennessee
What is the typical workers comp rate for Hotels & Hospitality in Tennessee?
Hotels & Hospitality employers in Tennessee pay a median rate of $0.470 per $100 of payroll, with rates ranging from $0.150 to $4.57 depending on the specific class code. The national median across all states for Hotels & Hospitality is $0.860, so Tennessee sits about 45% below the national average.
How many Hotels & Hospitality class codes are filed in Tennessee?
Tennessee has 11 unique NCCI class codes filed for Hotels & Hospitality occupations, drawn from 11 state-class code rate cells in our dataset. The most common codes include 7453 (Boat Livery), 9060 (Country Club Operations), 9061 (Country club).
Are Hotels & Hospitality 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 Hotels & Hospitality 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. Hotels & Hospitality workers are subject to the same statutory cap as workers in any other industry.
How long does a Hotels & Hospitality 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. Hotels & Hospitality workers should report any incident on the date it happens, even minor strains, because cumulative trauma claims can fail without contemporaneous documentation.
Can a Hotels & Hospitality 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. Hotels & Hospitality 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.