Tennessee
What the Tennessee authorities publish about business insurance, quoted directly, with a link and a date on every answer.
What the regulator says
Each answer below is what a named authority publishes, quoted so you can check it, with the date we last confirmed it against their page.
What triggers workers’ compensation coverage for a Tennessee construction employer?
The Tennessee Bureau of Workers’ Compensation states that all employers in the construction industry with one or more employees are required to obtain workers’ compensation insurance coverage for those employees. Tennessee runs two thresholds — construction at one employee, most other industries at five — so the general figure understates it for a contractor.
“with one or more employees are required to obtain workers’ compensation insurance”
What are the minimum auto liability limits in Tennessee?
The Tennessee Department of Revenue publishes a required floor of $25,000 for each injury or death per accident, $50,000 for total injuries or deaths per accident, and $25,000 for property damage per accident. Tennessee attaches the requirement to the registered vehicle rather than the driver, so each actively registered VIN needs its own cover.
“The required minimum limits of your liability car insurance are: $25,000 for each injury or death per accident. $50,000 for total injuries or deaths per accident. $25,000 for property damage per accident.”
This is reporting, not advice. Rules change, and the authority above is the one that changes them — confirm your situation there or with a licensed producer before you act on it.