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HB 1685

Workers Compensation - As introduced, enacts the "Zero Estimated Exposure Policy Act." - Amends TCA Title 50, Chapter 6.

114th Regular Session (2025-2026) Introduced by David Hawk

Tennessee bill modifies workers' compensation premium calculations regarding zero-exposure policies, with effects on business insurance costs currently under subcommittee review.

Action Def. in s/c Banking & Consumer Affairs Subcommittee to 3/18/2026
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Bill Summary · HB 1685

Legislative bill overview

HB 1685, the "Zero Estimated Exposure Policy Act," modifies Tennessee's workers' compensation law (TCA Title 50, Chapter 6) regarding estimated exposure policies. The bill specifically addresses how employers' insurance premiums are calculated based on estimated payroll exposure. The exact mechanism of change is not detailed in available summaries, but the title suggests it may eliminate or restrict the use of zero-exposure estimates in workers' comp premium calculations.

Why is this important

Workers' compensation insurance costs significantly impact business operations, particularly for small employers. How premiums are estimated—based on projected payroll—affects cash flow and hiring decisions. Changes to exposure policy rules could either protect employers from unexpected premium adjustments or, conversely, ensure insurers accurately price risk based on actual business activity.

Potential points of contention

  • Small business impact: Unclear whether changes benefit or burden small employers who struggle with premium volatility
  • Insurance industry concerns: Insurers may oppose restrictions on exposure calculations if it affects their ability to accurately price policies
  • Premium fairness: Disagreement over whether zero-exposure estimates are exploitative loopholes or legitimate risk-management tools for seasonal/variable businesses

Compiled from official sources — confirm details with the bill’s official record.

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