Workers Comp audit in TN: Questions about housekeepers

[Collin Hays]

So we got a worker's comp audit for our property management co. We employ 2.5 people. As most other STR owners and Property managers do, we contract out for housekeeping. It is almost always folks (primarily women) are work independently. We assign them a property (or two) to clean when we need it. Our audit is asking us to list all subcontractors, but there seems to be a distinction in TN between a subcontractor (who has to carry his/her own workers comp insurance) and an independent contractor, who works by themselves and does not have to carry workers comp.

Do any of you TN folks have a knowledge base on this from past experience?