In Tennessee, all employers with five or more employees are required to carry workers’ compensation insurance. For employers in the construction and coal mining industries, the requirement applies if they have one or more employees. This coverage can be obtained through a private insurer or by qualifying for self-insurance if the employer meets specific criteria. Sole proprietors and partners are excluded from mandatory coverage but have the option to opt-in. Corporate officers and LLC members who own at least 20% of the business are also excluded unless they elect to be covered. Tennessee’s system ensures that injured workers receive necessary medical care, wage replacement, and rehabilitation services. The Tennessee Department of Labor and Workforce Development oversees compliance, enforcing regulations and imposing penalties on employers who fail to provide the required coverage, thereby safeguarding workers’ rights and benefits.