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Workers’ comp insurance cost for home-health agencies in Tennessee
Published 2026-06-11 · by Brokly
- 33% of TN home-health agencies have 20–49 employees — the chart below prices every size band from its own observed payroll.
- Tennessee sits 36th of 51: OH pays more ($1.55), KS less ($1.17).
- Workers’ comp is one of several coverages — see everything your home-health agency needs in Tennessee →
What do Tennessee home-health agencies pay for workers’ comp?
Modeled annual premium across the real size distribution of TN home-health agencies
bar height = how many home-health agencies are that size · figures = modeled annual cost
Cohort: size distribution of 636 TN home-health agencies (Census CBP 2023); premiums modeled from one filed rate ($1.43/$100 payroll, 2024). Bands shown cover 625 of 636 establishments (98.3%) — 11 establishments in larger, very small-count, or data-suppressed size bands are not shown. 2023 payroll dollars, not inflation-adjusted. Illustrative benchmark — not a quote or coverage recommendation.
Sources: Oregon DCBS workers' compensation premium rate ranking study, June 2025 (calendar-year 2024 rates) (as of calendar year 2024, retrieved 2026-06-04) · US Census County Business Patterns 2023, state file (Home health care services (NAICS 621610)) (as of 2023, retrieved 2026-06-05)
How does Tennessee compare to nearby ranks?
Calculated manual rates, $ per $100 payroll, NCCI class 8835 (Home Healthcare), 2024. See all 51 jurisdictions →
| Rank | State | Rate / $100 payroll |
|---|---|---|
| 32 | Florida | $1.53 |
| 33 | Texas | $1.52 |
| 34 | New Mexico | $1.48 |
| 35 | Massachusetts | $1.45 |
| 36 | Tennessee | $1.43 |
| 37 | Indiana | $1.41 |
| 38 | Minnesota | $1.28 |
| 39 | Virginia | $1.19 |
| 40 | Wisconsin | $1.17 |
Sources: Oregon DCBS workers' compensation premium rate ranking study, June 2025 (calendar-year 2024 rates) (as of calendar year 2024, retrieved 2026-06-04)
Frequently asked questions
What does workers' comp cost home-health agencies in Tennessee?
Modeled from the 2024 filed manual rate of $1.43 per $100 of payroll: a 20–49-employee home-health agency lands around $15k–$36k per year before experience mods and schedule credits.
What drives the rate up or down?
Three levers: payroll (the exposure base), claims history (the experience modifier), and schedule credits/debits the insurer applies. Home-health work is NCCI class 8835 (Home Healthcare) — nurses, aides, and other staff delivering care in patients' homes; office-based healthcare classes like 8832 (Physician & Clerical) are rated separately.
Home-health agencies in nearby-ranked states: Indiana ($1.41) · Texas ($1.52) · Virginia ($1.19) · Florida ($1.53)
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Illustrative benchmark — not a quote or coverage recommendation. Figures are modeled from public filings and Census data for 636 Tennessee home-health agencies; your premium depends on your payroll, claims history, and carrier.