Tennessee Clothing Store businesses pay $57–$238/month.
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| Location | Est. Monthly Rate | Get Quote |
|---|---|---|
| Memphis | $62–$257/mo | Compare → |
| Nashville | $66–$274/mo | Compare → |
| Knoxville | $57–$238/mo | Compare → |
| Chattanooga | $57–$238/mo | Compare → |
| Clarksville | $56–$233/mo | Compare → |
| Murfreesboro | $60–$250/mo | Compare → |
| Franklin | $67–$281/mo | Compare → |
| Jackson | $54–$226/mo | Compare → |
| Johnson City | $54–$226/mo | Compare → |
| Bartlett | $58–$243/mo | Compare → |
| Shelby County | $62–$257/mo | Compare → |
| Davidson County | $66–$274/mo | Compare → |
| Knox County | $57–$238/mo | Compare → |
| Hamilton County | $57–$238/mo | Compare → |
| Rutherford County | $60–$250/mo | Compare → |
| Williamson County | $67–$281/mo | Compare → |
| Montgomery County | $56–$233/mo | Compare → |
| Sumner County | $60–$250/mo | Compare → |
| Wilson County | $60–$250/mo | Compare → |
| Maury County | $57–$238/mo | Compare → |
Clothing Store businesses in Tennessee typically pay $57–$238/month for workers' compensation insurance. Rates vary by city, revenue, employee count, and claims history.
Yes — Tennessee requires workers' compensation for most employers with at least one employee. Clothing Store businesses that skip coverage face stop-work orders and personal liability.
Workers' Compensation Insurance covers employee medical bills, lost wages, and employer liability for workplace injuries. For Clothing Store businesses, key covered scenarios include: Customer slip and fall in store; Product liability from sold merchandise; Employee injury during stocking.
Top exposures: (1) Customer slip and fall in store, (2) Product liability from sold merchandise, (3) Employee injury during stocking, (4) Shoplifting and employee theft.
Top carriers in Tennessee for Retail businesses: The Hartford, Travelers, Liberty Mutual, Nationwide, Coterie, Thimble, CNA, and Employers. Use ERGO Next to compare coverage options from top-rated commercial carriers.
Yes — most Clothing Store policies can be quoted, bound, and issued same-day. Your Certificate of Insurance is available immediately after binding.
Rate estimates reflect 2026 industry data adjusted for Tennessee cost index. Content reviewed by My Digital Kube editorial team, licensed commercial insurance professionals.