Workers' Compensation in East Tennessee

As a business owner in East Tennessee, your employees are your greatest asset. Whether you’re running a construction crew in Johnson City, a retail shop in Elizabethton, or a manufacturing plant in Greeneville, you know that their hard work is the backbone of your success. But what happens when one of them gets hurt on the job?

An employee injury can create a ripple effect of challenges, from medical bills and lost wages to potential lawsuits that could jeopardize the very business you’ve worked so hard to build. This is where a solid Workers’ Compensation policy is not just a good idea—it’s an essential shield for your business.

At Veritas, we’ve been helping business owners across the Tri-Cities navigate the complexities of workers’ comp since 2009. We do more than just sell you a policy; we partner with you to manage your risk and control your costs.

How We Help You Save on Your Workers' Comp Premiums

Simply having a policy isn’t enough. Our goal is to ensure you’re not overpaying and are getting every advantage possible. We achieve this by focusing on four critical areas:

1. Competitive Rates and Credits Workers’ compensation base rates are set by the state, but insurance carriers can offer deviations, premium discounts, or schedule credits based on your business’s individual safety record and history. We’ll shop our network of top-rated carriers to find the most competitive rate for your specific industry.

2. Proactive Premium Audits At the end of your policy year, the insurance company will conduct a premium audit. This can be a stressful and costly process if your payroll isn’t classified correctly. We work with you beforehand to ensure your records are in order and your employees are properly classified, helping you avoid costly surprises at audit time.

3. Managing Your Experience Mod Your Experience Modification Factor (or “Mod”) is a number that directly impacts your premium. It compares your claims history to other businesses in your industry. A lower Mod means a lower premium. We help you monitor this number, ensure its accuracy, and implement strategies to keep it as low as possible.

4. Effective Loss Control & Risk Management The best way to lower your costs is to prevent injuries from happening in the first place. We can connect you with resources to develop a strong loss control program, from job site safety features to employee training, creating a safer environment for your team and a healthier bottom line for you. This is a key part of any good business insurance strategy.

Your Local Workers' Comp Experts

Navigating Tennessee’s workers’ compensation laws can be challenging. As a local agency rooted in the East Tennessee community, we understand the specific needs of businesses here. We provide the valuable, accurate information you need to make informed decisions and protect your company.

It pays to review your workers’ comp policy every year. Let us show you what a local, dedicated partner can do for your business.

Ready to see how much you could save?

Click Here for Your Free Workers’ Comp Quote or call our Johnson City office at (423) 292-4142 to speak directly with our business insurance specialists.