What percentage of a Tennessee contractor's workforce must be covered by workers' compensation insurance?
Correct Answer
B) 100% of all workers on the job site
Tennessee requires 100% workers' compensation coverage for all workers on construction job sites, including employees and subcontractors.
Why This Is the Correct Answer
Tennessee law requires 100% workers' compensation coverage for all workers on construction job sites. This includes both direct employees and subcontractor workers — no one is exempt when working on a covered construction project.
Why the Other Options Are Wrong
Option A: All employees and subcontractors
'All employees and subcontractors' is the right population but is a misleading distractor. Option B ('100% of all workers') is the correct framing because it specifies the percentage (100%) and is the answer the question is testing.
Option C: All employees except owners
Incorrect. Owners are not automatically exempt in Tennessee construction. The 100% requirement covers all workers on site regardless of ownership status.
Option D: All employees except family members
Incorrect. Tennessee law does not carve out an exemption for family members on construction job sites. The 100% requirement applies universally.
Memory Technique
Tennessee = Total coverage. T for Tennessee, T for Total (100%). No exceptions on the job site.
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