Workers’ comp insurance cost for physician offices in Tennessee

Q: What does workers' comp cost physician offices in Tennessee?

Modeled from the 2024 filed manual rate of $0.17 per $100 of payroll: a <5-employee physician practice lands around $180–$730 per year before experience mods and schedule credits.

Q: 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. Physician-office work is NCCI class 8832 (Physician & Clerical) — the '& Clerical' is part of the class design, so receptionists and billing staff are rated in the same class as the clinical team rather than split out separately.

Published 2026-06-11 · by Brokly

Direct answer: Tennessee physician offices pay a filed workers’-comp manual rate of $0.17 per $100 of payroll (2024 filed rate) — the 46th-highest of 51 US jurisdictions. Modeled on real payrolls, most <5-employee physician offices land around $180–$730/yr, before experience mods and schedule credits.

42% of TN physician offices have <5 employees — the chart below prices every size band from its own observed payroll.
Tennessee sits 46th of 51: AZ pays more ($0.19), WV less ($0.10).
Workers’ comp is one of several coverages — see everything your physician practice needs in Tennessee →

What do Tennessee physician offices pay for workers’ comp?

Modeled annual premium across the real size distribution of TN physician offices

bar height = how many physician offices are that size · figures = modeled annual cost

typical · most TN physician offices

▼

<5 emp

≈$330/yr

5–9 emp

≈$940/yr

10–19 emp

≈$2.3k/yr

20–49 emp

≈$4.8k/yr

50–99 emp

≈$13k/yr

100–249 emp

≈$28k/yr

SMALLER

MID-SIZE

LARGER

A <5-employee TN physician practice: modeled $180–$730/yr in workers’-comp premium (that band’s own average wage, before experience mods and schedule credits). Bar heights show how many of the 4,291 TN physician offices fall in each size band.

Cohort: size distribution of 4,291 TN physician offices (Census CBP 2023); premiums modeled from one filed rate ($0.17/$100 payroll, 2024). Bands shown cover 4,254 of 4,291 establishments (99.1%) — 37 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.

Filed manual rate (TN)

$0.17 / $100 payroll

as of 2024

Typical <5-employee physician practice (42% of TN)

$180–$730 / yr modeled

as of 2024 · CBP 2023

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 (Offices of physicians (NAICS 621111)) (as of 2023, retrieved 2026-06-05)

How does Tennessee compare to nearby ranks?

Calculated manual rates, $ per $100 payroll, NCCI class 8832 (Physician & Clerical), 2024. See all 51 jurisdictions →

Rank	State	Rate / $100 payroll
42	District of Columbia	$0.19
43	Nevada	$0.18
44	Ohio	$0.18
45	Kansas	$0.18
46	Tennessee	$0.17
47	North Dakota	$0.15
48	Utah	$0.15
49	Virginia	$0.15
50	Arkansas	$0.13

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 physician offices in Tennessee?

Modeled from the 2024 filed manual rate of $0.17 per $100 of payroll: a <5-employee physician practice lands around $180–$730 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. Physician-office work is NCCI class 8832 (Physician & Clerical) — the '& Clerical' is part of the class design, so receptionists and billing staff are rated in the same class as the clinical team rather than split out separately.

Physician offices in nearby-ranked states: Nevada ($0.18) · Virginia ($0.15) · Arkansas ($0.13) · District of Columbia ($0.19)

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Illustrative benchmark — not a quote or coverage recommendation. Figures are modeled from public filings and Census data for 4,291 Tennessee physician offices; your premium depends on your payroll, claims history, and carrier.