Coverage line

An oversized hand passes a car key above a modest personal car carrying a work briefcase, linking private wheels to business errands.Illustration for The General Average

Tennessee Hired and Non-Owned Auto Coverage

Tennessee recognizes an operator's liability policy that covers the named insured when using a vehicle they do not own, subject to the owner’s-policy limits and terms. For company travel, verify employee permission and ask whether the employer’s HNOA fills gaps left by the employee policy or the rental contract.

What Is Hired and Non-Owned Auto Insurance?

Hired and non-owned auto (HNOA) liability protects the business when rented cars or employees’ own cars are used for work. It does not pay for damage to those vehicles, and it is not a substitute for commercial auto on vehicles the business owns. Read the national Hired and non-owned auto guide.

What to Watch for With Hired and Non-Owned Auto in Tennessee

Tennessee spells out non-owned coverage in operator policies
Section 55-12-122(b) requires an operator policy to insure the named insured’s liability from use of a vehicle they do not own, within the same territory and limits as an owner’s policy. Check whether employees have such a policy or only vehicle-specific personal auto coverage. ¹
Owner-policy coverage turns on permission
Section 55-12-122(a) includes people using a covered vehicle with the named insured’s express or implied permission. Set expectations for borrowed vehicles and ask employees to obtain the owner’s consent before a work trip. ¹
Tennessee publishes a statutory liability floor
The Department of Revenue lists $25,000 per person, $50,000 per accident, and $25,000 property damage as minimum liability limits. Ask whether employee limits above this floor and your HNOA limit can respond to a severe claim. ²
Auto liability policies can exclude employee injury
Section 55-12-122(d) does not require coverage for bodily injury to an employee while engaged in the insured’s employment. Ask how workers’ compensation and auto medical benefits address an employee’s own injury during a company trip. ¹

Providers With Tennessee License Records

These providers publish a national listing for Hired and non-owned auto; the state records document licenses for the entities and roles shown below. Some records rely on company-reported information rather than independent regulator verification. A national listing does not confirm the product is available in Tennessee. Check the regulator’s license lookup and confirm state availability for your business when requesting a quote.

Corgi
Insurance producer · checked 2026-09-28
Corgi Insurance Services, Inc.
Corgi’s company producer-license table lists 50 jurisdictions: 49 states and the District of Columbia, including DC license 3003091619. New Mexico does not appear in the table and is not included here; the omission does not establish that Corgi is unlicensed there. The company-reported table has no stated as-of date and does not establish product availability. ¹⁰
Corgi lists hired and non-owned auto liability for employees using rented or personal vehicles for company business.

Who Regulates Insurance in Tennessee?

Tennessee Department of Commerce and Insurance

TDCI regulates and licenses insurance companies, agents, brokers, surplus-lines agents, and public adjusters. Its complaint process accepts complaints about agents or companies when the policy was written in Tennessee, and its property/casualty unit reviews filed policy rates, rules, and forms. ^3,^4,⁵

Website: Regulator website
License lookup: Search licensed producers
Complaints: File a complaint

Surplus-Lines Tax and Stamping Office in Tennessee

Reported tax rate. 5% of gross premium plus 0.175% SLAS transaction fee ^6,⁷

For Tennessee-home-state surplus-lines policies, TDCI lists a 5% tax on gross premium and a 0.175% SLAS transaction fee on gross premium; the agent receives an invoice and pays both through SLIP. The sources reviewed do not establish that the fee is always separately charged to the policyholder or resolve guaranty-association treatment, so ask your broker to itemize charges and review the policy notice.

Questions to Ask Before You Buy Hired and Non-Owned Auto in Tennessee

Do we have an operator policy or HNOA form that covers employee liability in non-owned cars?
Does the vehicle owner’s written permission need to mention business use?
How are employee injuries handled when the auto liability statute excludes employment-related injury?

Hired and Non-Owned Auto Insurance in Tennessee: FAQ

Does Tennessee require an operator policy to cover a non-owned car?

Yes. Section 55-12-122(b) says an operator’s policy must cover the named insured’s liability arising from use of a vehicle they do not own, subject to the same limits and terms specified for an owner’s policy. ¹

Does Tennessee auto liability cover an employee injured at work?

Not necessarily. Section 55-12-122(d) says the policy need not insure bodily injury to an employee while engaged in the insured’s employment. ¹

Sources

14 documents, numbered as cited. Open the sources

Sources for Hired and Non-Owned Auto Insurance in Tennessee

1
Tennessee Financial Responsibility Law Opinion. Tennessee Attorney General; Attorney General Opinion 03-084 reproducing Tenn. Code § 55-12-122(a)–(b). Accessed 2026-09-29.
2
Insurance Verification Overview. Tennessee Department of Revenue; Minimum liability limits and financial responsibility compliance. Accessed 2026-09-29.
3
tennessee insurance regulator. State insurance regulator; TDCI official insurance-division and consumer pages describe department scope, review units and complaint role. Accessed 2026-09-28.
4
TDCI Agent/Producer Resources. State insurance regulator; Agent Licensing Section licenses producers, business entities, surplus-lines agents, brokers, and public adjusters; page links to Verify License. Accessed 2026-09-28.
5
File an Insurance Complaint. State insurance regulator; TDCI accepts online complaints about insurers and agents only for policies written in Tennessee; third-party claimants are directed to call. Accessed 2026-09-28.
6
Surplus Lines Filing Procedures. Tennessee Department of Commerce and Insurance; Tax Payments section: 5% gross premium plus .175% of gross premium SLAS transaction fee; agents receive quarterly invoices and pay via ACH in SLIP. Accessed 2026-09-28.
7
Tennessee Public Chapter 446 (2011), T.C.A. §56-14-113. Tennessee Secretary of State; Current tax framework enacted in §56-14-113: 5% applies when Tennessee is the insured’s home state; tax collected from insured in addition to premium. Read with current TDCI filing-procedure page for current fee and SLIP handling. Accessed 2026-09-28.
8
Licenses. At-Bay; Current producer introduction and state table; At-Bay Insurance Services LLC; P&C and surplus-lines identifiers. Accessed 2026-09-21.
9
Licenses and Carriers. Coalition; Licenses and Carriers, re-read 22 September 2026: Insurance Licenses table for Coalition Insurance Solutions, Inc., national producer number 18419475, with producer and surplus-lines numbers for all 50 states and DC including California 0L76155, Georgia 196479, Texas 2199630 and 2205589, Pennsylvania 815731 and 817452, Colorado 539028 and Wisconsin 3000108852. Insurance Carriers table naming, with NAIC numbers, Allianz Underwriters Insurance Company 36420, Arch Specialty Insurance Company 21199, Ascot Specialty Insurance Company 45055, Ascot Insurance Company 23752, Aspen Specialty Insurance Company 10717, Chaucer Insurance Company DAC, Coalition Insurance Company 29530, Fireman's Fund Indemnity Corporation 11380, Fortegra Specialty Insurance Company 16823, Lloyd's of London, MSIG Specialty Insurance USA Inc. 34886, MS Transverse Specialty Insurance Company 41807, Steadfast Insurance Company 26387, Vantage Risk Specialty Insurance Company 16275 and Zurich American Insurance Company 16535. Accessed 2026-09-22.
10
Insurance Producer Licenses. Corgi Insurance; Current complete Insurance Producer Licenses table for Corgi Insurance Services, Inc.; 50 rows covering 49 states and DC (DC 3003091619); no New Mexico row; no NPN or as-of date shown. Accessed 2026-09-28.
11
About Hiscox US Insurance. Hiscox; Hiscox Insurance Company Inc. NAIC 10200 as Chicago, IL domiciled insurer admitted or licensed in all 50 states and D.C.; Hiscox Inc. as general agent and Lloyd’s coverholder for Syndicates 33 and 3624; surplus-lines placements through licensed surplus-lines brokers; A.M. Best rating statement. Accessed 2026-09-16.
12
Licenses. ERGO NEXT Insurance; Current entity-by-state license table reopened 28 September 2026: 50 rows under Next First Insurance Agency, Inc., including Washington, DC; New York rows instead list Next Insurance Services PC-1423070 and AP Intego BR-1198885. Accessed 2026-09-28.
13
Insurance Licenses by State. TechInsurance; Current state table; identifies TechInsurance as a division of Specialty Program Group LLC d/b/a SPG Insurance Solutions; lists DC 3000041536 and labels Rhode Island “Individual licenses,” without an agency license number. Accessed 2026-09-28.
14
Licenses. Vouch; Effective 16 January 2025: Vouch Specialty Insurance Services, LLC, NPN 19926463; P&C table (50 states and DC); surplus-lines table includes Idaho 870820; footnote says Georgia and Idaho do not issue agency-level surplus-lines licenses; Idaho retained as producer-only due to conflict. Accessed 2026-09-15.

Tennessee Hired and Non-Owned Auto Coverage

What Is Hired and Non-Owned Auto Insurance?

What to Watch for With Hired and Non-Owned Auto in Tennessee

Tennessee spells out non-owned coverage in operator policies

Owner-policy coverage turns on permission

Tennessee publishes a statutory liability floor

Auto liability policies can exclude employee injury