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Uninsured Employers Fund (UEF)

The Uninsured Employers Fund (UEF) is the program that is responsible for the enforcement of the insurance coverage requirements of the Tennessee Workers’ Compensation Act. When it is mandated by the Workers' Compensation Law, employers in the State of Tennessee are required to provide workers' compensation insurance for their Tennessee employees.  

The Uninsured Employers Fund (UEF) seeks to ensure that Tennessee employers comply with insurance coverage provisions of the Workers' Compensation Law. T.C.A. § 50-6-412.

The purpose of the UEF is to:

  • Ensure that all employers comply with insurance coverage provisions of the Workers' Compensation Law.
  • Penalize those employers who fail to comply with the law and fail to provide workers' compensation protection for their employees.

The UEF investigates and penalizes employers that are required by law to carry workers’ compensation insurance but then fail to either provide that coverage or to qualify as self-insured employers with the Tennessee Department of Commerce and Insurance.  There are two (2) monetary penalties that can be assessed against employers that are legally-required to secure coverage but fail to do so.  The penalties equal up to a total of 2 ½ times the estimated annual workers compensation insurance premium that would have been charged to that employer.

 When determining whether or not a penalty is appropriate, there is a “strict liability” standard applied.  Either the employer had the required coverage (no penalty) or it didn’t (penalty assessed).

How do I report an employer that is violating the law?

To report employers that are violating the law, please submit this Request for Investigation form or call 800-332-2667 and ask to speak to the UEF Program.

Need More Help?

If you have additional questions, please call 615-532-4812 or 800-332-2667 or contact us by email at Find out about other available assistance programs by contacting an ombudsman