Retail Direct, LLC v. Payano Express, LLC

CourtCourt of Appeals of Tennessee
DecidedMay 21, 2026
DocketM2024-01896-COA-R3-CV
StatusPublished
AuthorJudge Jeffrey Usman

This text of Retail Direct, LLC v. Payano Express, LLC (Retail Direct, LLC v. Payano Express, LLC) is published on Counsel Stack Legal Research, covering Court of Appeals of Tennessee primary law. Counsel Stack provides free access to over 12 million legal documents including statutes, case law, regulations, and constitutions.

Bluebook
Retail Direct, LLC v. Payano Express, LLC, (Tenn. Ct. App. 2026).

Opinion

05/21/2026 IN THE COURT OF APPEALS OF TENNESSEE AT NASHVILLE September 4, 2025 Session

RETAIL DIRECT, LLC v. PAYANO EXPRESS, LLC ET AL.

Appeal from the Chancery Court for Davidson County No. 23-0403-II Anne C. Martin, Chancellor ___________________________________

No. M2024-01896-COA-R3-CV ___________________________________

An employee suffered severe injuries while working for a subcontractor and sought workers’ compensation benefits from the logistics company that had retained the subcontractor. In response, the logistics company filed a declaratory judgment action asserting that it was exempt from liability as a “common carrier.” The trial court granted summary judgment in favor of the logistics company, concluding that the company’s federal operating authority established its common carrier status as a matter of law. The injured employee appeals, arguing that a genuine dispute of material fact exists regarding the logistics company’s status because it exclusively served a single customer rather than the general public. We reverse the judgment of the trial court and remand for further proceedings.

Tenn. R. App. P. 3 Appeal as of Right; Judgment of the Chancery Court Reversed; Case Remanded

JEFFREY USMAN, J., delivered the opinion of the Court, in which ANDY D. BENNETT and W. NEAL MCBRAYER, JJ., joined.

Taylor Pruitt and Catheryne Grant, Brentwood, Tennessee, for the appellant, Juan Francisco Rivera Vargas.

D. Andrew Saulters, Nashville, Tennessee, for the appellee, Retail Direct, LLC.1

OPINION

I.

1 Defendants Payano Express, LLC; KMG Delivers, LLC; and Luis Caballero did not file briefs in this appeal. This appeal arises from a dispute over whether a logistics company is exempt from workers’ compensation liability as a “common carrier” under Tennessee Code Annotated section 50-6-106(1)(A). Plaintiff/Appellee Retail Direct is a logistics company that was in the business of transporting or arranging for the transportation, delivery, and installation of goods. The Appellant Juan Francisco Rivera Vargas (Mr. Rivera) alleges Retail Direct provides its services exclusively for Lowe’s Home Centers (Lowe’s). Indeed, the deposition testimony of Bridgette Matthews, the Vice President of Fleet and Compliance for Retail Direct, reveals that Retail Direct’s only contract to provide delivery services at the time of the incident was with Lowe’s. To carry out these deliveries, Retail Direct utilized multiple independent contractors, including Payano Express, LLC (Payano).

The business relationship between Retail Direct and Payano was governed by two contracts: an Interchange Agreement dated March 31, 2022, and a Services Agreement dated October 15, 2022. Both agreements explicitly outlined that Retail Direct and Payano were independent entities and that the contracts did “not create an employer/employee relationship for any purpose.” Furthermore, the Services Agreement required Payano to maintain workers’ compensation insurance at its own expense and indemnify Retail Direct against any claims arising out of the parties’ relationship. It is undisputed that on the date of the accident, Payano was, however, uninsured for workers’ compensation purposes.

On November 7, 2022, Intervenor/Appellant Mr. Rivera sustained severe injuries in the course of his employment with Payano. At the time of the accident, Mr. Rivera was riding as a passenger in a truck leased by Lowe’s and provided to Retail Direct, which then interchanged the vehicle to Payano. The vehicle displayed Retail Direct’s Department of Transportation (DOT) number. After suffering these injuries, Mr. Rivera filed a Petition for Benefit Determination in the Court of Workers’ Compensation Claims wherein he petitioned for workers’ compensation benefits against Payano, his direct employer, and against Retail Direct, alleging that Retail Direct was liable as a “statutory employer” pursuant to Tennessee Code Annotated section 50-6-113.

In response to Mr. Rivera’s filing, Retail Direct filed a complaint against Payano in Davidson County Chancery Court, seeking, among other things, a declaratory judgment that Mr. Rivera was not an employee of Retail Direct at the time of the incident and that it had no liability to Mr. Rivera. Retail Direct asserted that the Federal Motor Carrier Safety Administration (FMCSA) authorized it to operate as a “common carrier” and that Payano operated under its DOT number, signifying that Payano was a leased-operator under the FMCSA regulations. Retail Direct argued that under Tennessee Code Annotated section 50-6-106(1)(A) it was therefore statutorily exempt from being deemed an employer of a leased-operator under Tennessee Code Annotated section 50-6-106(1)(A). This statutory provision provides, in part, “that no common carrier by motor vehicle operating pursuant to a certificate of public convenience and necessity shall be deemed the employer of a leased-operator or owner-operator of a motor vehicle or vehicles under a contract to such a common carrier.” Tenn. Code Ann. § 50-6-106(1)(A).

-2- Mr. Rivera sought and was granted permission to intervene in the action in Davidson County Chancery Court. In response to the proceedings in chancery, the Court of Workers’ Compensation Claims stayed Mr. Rivera’s workers’ compensation action pending the outcome of the declaratory judgment action related to the contractual and statutory dispute.

After discovery, on August 19, 2024, Retail Direct filed a Motion for Summary Judgment on the grounds that it was a common carrier at the time of the incident, that Payano was a leased-operator or owner-operator, and that the contract between Retail Direct and Payano clearly stated that Payano’s employees are not employees of Retail Direct. In opposition, Mr. Rivera argued there is a genuine dispute of material fact regarding whether Retail Direct actually operated as a common carrier. Mr. Rivera submitted a declaration from a transportation safety expert who opined that Retail Direct’s business model, which he alleged exclusively served one customer, Lowe’s, without publishing public tariffs or offering services to the general public, was that of a “contract carrier” rather than a “common carrier.”

There was no evidence offered that Retail Direct contracted directly with members of the public. To the contrary, Retail Direct conceded that its commercial contract was exclusively with Lowe’s and that it merely arranged for the delivery of products to Lowe’s customers. In addition, Retail Direct conceded that it did not publish any rates or tariffs for the general public, though it argued to the trial court that this omission was legally immaterial to its statutory status as a common carrier. Retail Direct indicated that, with respect to the specific load being transported when Mr. Rivera was injured, it was acting “merely [as] a broker” that had tendered the delivery to Payano.

The chancery court initially denied Retail Direct’s motion for summary judgment. The chancery court found that while it was undisputed that Retail Direct held an authorized FMCSA common carrier certificate, a factual dispute existed regarding the application of the common carrier exemption to Retail Direct’s specific business practices. The chancery court specifically noted there was insufficient guidance “on how the term [common carrier] should be applied in a post-ICC/current-FMCSA regulatory context.” The Interstate Commerce Commission (ICC) was the federal regulating authority when the applicable portion of Tennessee Code Annotated section 50-6-106 was enacted; however, the ICC was abolished in 1995. In 2000, the FMCSA was established and now regulates interstate carriers.

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Bluebook (online)
Retail Direct, LLC v. Payano Express, LLC, Counsel Stack Legal Research, https://law.counselstack.com/opinion/retail-direct-llc-v-payano-express-llc-tennctapp-2026.