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

HB 1685, the "Zero Estimated Exposure Policy Act," requires construction companies with no employees to formally notify their contracting partners in writing about their workers' compensation policy covering zero liability. It mandates that these companies provide the policy copy to all directly contracted entities, which must then retain both documents for three years (with homeowners doing work on their primary residence exempt from retention). The bill also requires insurers to obtain signed attestations from applicants confirming no employees and zero exposure, with penalties for false statements under Tennessee law. This directly affects construction service providers and their business partners in Tennessee’s workers’ compensation system.