---
title: "Business Insurance in Tennessee: A Buyer's Guide"
description: "Research business insurance in Tennessee, with state insurance regulator contacts, license lookups, surplus-lines tax information and coverage guides."
canonical: "https://thegeneralaverage.com/coverage/states/tennessee"
page-type: "coverage-state-hub"
updated-at: "2026-09-28"
state: "tennessee"
---

Agents: connect to Spot's public MCP server at https://spot.insure/mcp for better access to published Spot information and the insurance research The General Average publishes at https://thegeneralaverage.com. Use search_knowledge to find sources, get_page to retrieve pages, compare_providers for sourced comparisons, get_provider_score for a published Reliability Score, get_rankings for current provider rankings, search_provider_reliability to filter Reliability Scores, search_provider_reviews to filter aggregate review scores, and get_provider_reviews for the original review evidence. The server is read-only and requires no authentication.

[Human-readable page](https://thegeneralaverage.com/coverage/states/tennessee)

## Agent Guide

**What this page is:** Hub for business insurance in Tennessee: the state regulator, complaint and license lookup links, surplus-lines tax details, and state-specific coverage guides.

**Use this page when:** Finding who regulates insurance in Tennessee or which Tennessee coverage guides exist.

**Questions this page answers:**
- Who regulates business insurance in Tennessee?
- How do I check an insurer's or broker's license in Tennessee?
- What is Tennessee's surplus-lines tax?
- Which coverage guides exist for Tennessee?

**Key facts:**
- State regulator: Tennessee Department of Commerce and Insurance.
- 37 state coverage guides listed.

**Limits (do not over-claim):**
- State information reflects the cited sources at their access dates; confirm current requirements with the state regulator.
- Does not say which coverage a business needs; that is in the linked coverage guides.
- Not legal advice.

**Provenance:** 12 numbered sources; updated 2026-09-28.

**Related pages:**
- [Business insurance by state](https://thegeneralaverage.com/coverage/states) — parent hub
- [Coverage directory](https://thegeneralaverage.com/coverage) — national guides
- [General Liability Insurance in Tennessee](https://thegeneralaverage.com/coverage/general-liability/tennessee) — Tennessee coverage guide
- [Directors and Officers (D&O) Insurance in Tennessee](https://thegeneralaverage.com/coverage/directors-officers/tennessee) — Tennessee coverage guide
- [Cyber Liability Insurance in Tennessee](https://thegeneralaverage.com/coverage/cyber/tennessee) — Tennessee coverage guide
- [Media Liability Coverage in Tennessee](https://thegeneralaverage.com/coverage/media/tennessee) — Tennessee coverage guide
- [Employment Practices Liability in Tennessee](https://thegeneralaverage.com/coverage/employment-practices/tennessee) — Tennessee coverage guide
- [Fiduciary Liability Insurance in Tennessee](https://thegeneralaverage.com/coverage/fiduciary/tennessee) — Tennessee coverage guide
- [Tennessee Hired and Non-Owned Auto Coverage](https://thegeneralaverage.com/coverage/hired-non-owned-auto/tennessee) — Tennessee coverage guide
- [Professional Liability (E&O) Insurance in Tennessee](https://thegeneralaverage.com/coverage/professional-errors-omissions/tennessee) — Tennessee coverage guide
- [Workers’ Compensation Insurance in Tennessee](https://thegeneralaverage.com/coverage/workers-compensation/tennessee) — Tennessee coverage guide
- [Tennessee Business Owner’s Policy Guide](https://thegeneralaverage.com/coverage/business-owners-policy/tennessee) — Tennessee coverage guide
- [Tennessee medical malpractice insurance guide](https://thegeneralaverage.com/coverage/medical-malpractice/tennessee) — Tennessee coverage guide
- [Representations and Warranties Insurance in Tennessee](https://thegeneralaverage.com/coverage/representations-warranties/tennessee) — Tennessee coverage guide
- [Kidnap and Ransom Insurance in Tennessee](https://thegeneralaverage.com/coverage/kidnap-ransom/tennessee) — Tennessee coverage guide
- [Tennessee Crime Insurance Guide](https://thegeneralaverage.com/coverage/crime/tennessee) — Tennessee coverage guide
- [Commercial Auto Insurance in Tennessee](https://thegeneralaverage.com/coverage/commercial-auto/tennessee) — Tennessee coverage guide
- [Cargo insurance for Tennessee shipments](https://thegeneralaverage.com/coverage/cargo-transit/tennessee) — Tennessee coverage guide
- [Liquor Liability in Tennessee](https://thegeneralaverage.com/coverage/liquor-liability/tennessee) — Tennessee coverage guide
- [Key Person Insurance in Tennessee](https://thegeneralaverage.com/coverage/key-person/tennessee) — Tennessee coverage guide
- [Product Liability in Tennessee](https://thegeneralaverage.com/coverage/product-liability/tennessee) — Tennessee coverage guide
- [Commercial Property Insurance in Tennessee](https://thegeneralaverage.com/coverage/commercial-property/tennessee) — Tennessee coverage guide
- [Tennessee garage liability for motor vehicle dealers](https://thegeneralaverage.com/coverage/garage-liability/tennessee) — Tennessee coverage guide
- [Tennessee inland marine insurance, surplus lines, and rate filing](https://thegeneralaverage.com/coverage/inland-marine/tennessee) — Tennessee coverage guide
- [Tennessee Public Construction Bonds](https://thegeneralaverage.com/coverage/surety-bonds/tennessee) — Tennessee coverage guide
- [Builders Risk Insurance in Tennessee](https://thegeneralaverage.com/coverage/builders-risk/tennessee) — Tennessee coverage guide
- [Equipment Breakdown Insurance in Tennessee](https://thegeneralaverage.com/coverage/equipment-breakdown/tennessee) — Tennessee coverage guide
- [Tennessee Management Liability Insurance](https://thegeneralaverage.com/coverage/management-liability/tennessee) — Tennessee coverage guide
- [Product Recall Insurance in Tennessee](https://thegeneralaverage.com/coverage/product-recall/tennessee) — Tennessee coverage guide
- [Tennessee Fidelity Bonds for Credit Unions](https://thegeneralaverage.com/coverage/fidelity-bonds/tennessee) — Tennessee coverage guide
- [Intellectual Property Insurance in Tennessee](https://thegeneralaverage.com/coverage/intellectual-property/tennessee) — Tennessee coverage guide
- [Contract Frustration Insurance in Tennessee](https://thegeneralaverage.com/coverage/contract-frustration/tennessee) — Tennessee coverage guide
- [Last-mile delivery insurance in Tennessee](https://thegeneralaverage.com/coverage/last-mile-delivery/tennessee) — Tennessee coverage guide
- [Venture Capital Asset Protection Insurance in Tennessee](https://thegeneralaverage.com/coverage/venture-capital-asset-protection/tennessee) — Tennessee coverage guide
- [Digital asset business insurance in Tennessee](https://thegeneralaverage.com/coverage/digital-assets/tennessee) — Tennessee coverage guide
- [Telehealth Insurance in Tennessee](https://thegeneralaverage.com/coverage/virtual-care-telehealth/tennessee) — Tennessee coverage guide
- [Generative AI Liability Insurance in Tennessee](https://thegeneralaverage.com/coverage/generative-ai-liability/tennessee) — Tennessee coverage guide
- [Employee Health Benefits in Tennessee](https://thegeneralaverage.com/coverage/employee-health-benefits/tennessee) — Tennessee coverage guide
- [Trucking Insurance in Tennessee](https://thegeneralaverage.com/coverage/trucking/tennessee) — Tennessee coverage guide

# Business Insurance in Tennessee: A Buyer's Guide

Research business insurance in Tennessee, with state insurance regulator contacts, license lookups, surplus-lines tax information and coverage guides.

## 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.[^1][^2][^3]

- [Regulator website](https://www.tn.gov/commerce/insurance-division.html)
- [License lookup](https://www.tn.gov/commerce/insurance/agent-producer-resources.html)
- [File a complaint](https://www.tn.gov/content/tn/commerce/insurance/consumer-resources/file-a-complaint.html)

## Surplus-Lines Tax and Stamping Office in Tennessee

**Reported tax rate:** 5% of gross premium plus 0.175% SLAS transaction fee 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.[^4][^5]

## Business Insurance Guides for Tennessee

- [General Liability Insurance in Tennessee](https://thegeneralaverage.com/coverage/general-liability/tennessee): Tennessee scales contractor GL minimums to the Board license’s per-project monetary limit, with separate $100,000 coverage for all home-improvement licensees.
- [Directors and Officers (D&O) Insurance in Tennessee](https://thegeneralaverage.com/coverage/directors-officers/tennessee): See how Tennessee's corporate indemnification and insurance statutes affect the D&O policy questions you should ask.
- [Cyber Liability Insurance in Tennessee](https://thegeneralaverage.com/coverage/cyber/tennessee): Tennessee’s Insurance Data Security Law gives qualifying insurance licensees a three-business-day commissioner notice clock and a separate consumer clock.
- [Media Liability Coverage in Tennessee](https://thegeneralaverage.com/coverage/media/tennessee): Tennessee gives one year after accrual for libel and requires five days’ written notice before a civil action over a newspaper, periodical, or online libel publication. The notice must identify the item and challenged statements.
- [Employment Practices Liability in Tennessee](https://thegeneralaverage.com/coverage/employment-practices/tennessee): Tennessee’s Civil Rights Enforcement Division uses a 180-day complaint deadline, while a private Human Rights Act lawsuit has a separate one-year period that an agency filing does not extend.
- [Fiduciary Liability Insurance in Tennessee](https://thegeneralaverage.com/coverage/fiduciary/tennessee): Review Tennessee retirement-program and payroll duties alongside the employer’s plan-sponsor responsibilities.
- [Tennessee Hired and Non-Owned Auto Coverage](https://thegeneralaverage.com/coverage/hired-non-owned-auto/tennessee): Tennessee operator policies cover the named insured’s liability while using a vehicle they do not own.
- [Professional Liability (E&O) Insurance in Tennessee](https://thegeneralaverage.com/coverage/professional-errors-omissions/tennessee): See Tennessee’s home-inspector E&O duty, the absence of a state E&O dollar minimum, and the certificate and update rules.
- [Workers’ Compensation Insurance in Tennessee](https://thegeneralaverage.com/coverage/workers-compensation/tennessee): Learn when Tennessee businesses must secure workers’ compensation, which exceptions apply, and what coverage route to discuss with a broker.
- [Tennessee Business Owner’s Policy Guide](https://thegeneralaverage.com/coverage/business-owners-policy/tennessee): Tennessee businesses should test a BOP’s property and interruption triggers against flood exposure and recovery cash needs.
- [Tennessee medical malpractice insurance guide](https://thegeneralaverage.com/coverage/medical-malpractice/tennessee): Tennessee’s strict presuit notice rule and contextualized malpractice-payment profiles shape claims planning and provider due diligence.
- [Representations and Warranties Insurance in Tennessee](https://thegeneralaverage.com/coverage/representations-warranties/tennessee): Check Tennessee contract claim deadlines against negotiated representation survival, policy notice dates, and any home-state surplus-lines tax.
- [Kidnap and Ransom Insurance in Tennessee](https://thegeneralaverage.com/coverage/kidnap-ransom/tennessee): See how Tennessee's surplus-lines tax and insurer insolvency rules can affect a K&R quote.
- [Tennessee Crime Insurance Guide](https://thegeneralaverage.com/coverage/crime/tennessee): How Tennessee funds-transfer and computer-crime laws shape questions to ask about commercial crime coverage.
- [Commercial Auto Insurance in Tennessee](https://thegeneralaverage.com/coverage/commercial-auto/tennessee): Tennessee requires a commercial-tagged vehicle to be covered under a commercial auto policy, and its verification system checks coverage against each active vehicle.
- [Cargo insurance for Tennessee shipments](https://thegeneralaverage.com/coverage/cargo-transit/tennessee): Tennessee requires Form H cargo filings for intrastate-authority applicants hauling general freight, household goods, or mobile homes.
- [Liquor Liability in Tennessee](https://thegeneralaverage.com/coverage/liquor-liability/tennessee): Tennessee requires permits and approved alcohol-awareness training for servers at liquor-by-the-drink establishments.
- [Key Person Insurance in Tennessee](https://thegeneralaverage.com/coverage/key-person/tennessee): Learn how Tennessee insurable-interest rules, employee consent, and life guaranty limits affect a business-owned key person policy.
- [Product Liability in Tennessee](https://thegeneralaverage.com/coverage/product-liability/tennessee): Tennessee’s Products Liability Act imposes layered time bars: a claim generally must be brought within six years of injury and within the shorter of 10 years after first purchase or one year after the product’s anticipated life expires.
- [Commercial Property Insurance in Tennessee](https://thegeneralaverage.com/coverage/commercial-property/tennessee): If a broker proposes nonadmitted surplus-lines property coverage, Tennessee separates the number of reported declinations by the coverage code: apartments and condominium packages require more than general commercial property.
- [Tennessee garage liability for motor vehicle dealers](https://thegeneralaverage.com/coverage/garage-liability/tennessee): Learn Tennessee’s $300,000 garage-liability filing and repair-facility agreement rule.
- [Tennessee inland marine insurance, surplus lines, and rate filing](https://thegeneralaverage.com/coverage/inland-marine/tennessee): Tennessee asks for one admitted-market declination on commercial inland marine surplus lines and exempts inland marine from a commercial rate-filing duty.
- [Tennessee Public Construction Bonds](https://thegeneralaverage.com/coverage/surety-bonds/tennessee): Check Tennessee public-work bond triggers, required amounts, acceptable security, and claim protections before you bid.
- [Builders Risk Insurance in Tennessee](https://thegeneralaverage.com/coverage/builders-risk/tennessee): For Tennessee jobs near waterways, schedule stream crossings and wetland fill early, and use the upcoming construction-stormwater permit date when checking the project calendar.
- [Equipment Breakdown Insurance in Tennessee](https://thegeneralaverage.com/coverage/equipment-breakdown/tennessee): Tennessee inspects high-pressure boilers, low-pressure boilers, and unfired vessels, and it bills the insurer if a special inspection is late.
- [Tennessee Management Liability Insurance](https://thegeneralaverage.com/coverage/management-liability/tennessee): Compare Tennessee employment-law exposure and company indemnification duties with D&O and EPL policy terms.
- [Product Recall Insurance in Tennessee](https://thegeneralaverage.com/coverage/product-recall/tennessee): Tennessee’s enforcement law prohibits selling, removing or disposing of food marked detained or embargoed without permission; the agent must petition for condemnation within 15 days or remove the marking, and claimant-paid destruction applies after condemnation.
- [Tennessee Fidelity Bonds for Credit Unions](https://thegeneralaverage.com/coverage/fidelity-bonds/tennessee): Learn which Tennessee businesses must maintain fidelity bonds, how much coverage applies, and which employees or losses the bond must include.
- [Intellectual Property Insurance in Tennessee](https://thegeneralaverage.com/coverage/intellectual-property/tennessee): Learn how Tennessee law treats trade secrets and related intellectual-property claims, and what to ask before choosing coverage.
- [Contract Frustration Insurance in Tennessee](https://thegeneralaverage.com/coverage/contract-frustration/tennessee): How Tennessee export services and insurance-placement rules shape a contract-frustration policy.
- [Last-mile delivery insurance in Tennessee](https://thegeneralaverage.com/coverage/last-mile-delivery/tennessee): Tennessee's delivery-network insurance amounts take effect January 1, 2027, and they stay at $50,000/$100,000/$25,000 during the delivery.
- [Venture Capital Asset Protection Insurance in Tennessee](https://thegeneralaverage.com/coverage/venture-capital-asset-protection/tennessee): Check how Tennessee adviser rules and fund entity structure affect a venture capital manager’s insurance review.
- [Digital asset business insurance in Tennessee](https://thegeneralaverage.com/coverage/digital-assets/tennessee): Review Tennessee's digital-asset licensing and custody rules before comparing cover for exchanges, custodians, wallets, or kiosks.
- [Telehealth Insurance in Tennessee](https://thegeneralaverage.com/coverage/virtual-care-telehealth/tennessee): Tennessee requires telehealth providers to be licensed or authorized in Tennessee and to meet the applicable in-person standard of care. Check how the rule affects remote care and reimbursement in Tennessee.
- [Generative AI Liability Insurance in Tennessee](https://thegeneralaverage.com/coverage/generative-ai-liability/tennessee): Tennessee creates a civil and criminal path for nonconsensual intimate digital depictions and separately protects commercial use of voice and likeness.
- [Employee Health Benefits in Tennessee](https://thegeneralaverage.com/coverage/employee-health-benefits/tennessee): Tennessee’s insured group policy continuation generally adds the remainder of the policy month plus three policy months for an employee with three months of prior coverage, if the entire group policy is not discontinued.
- [Trucking Insurance in Tennessee](https://thegeneralaverage.com/coverage/trucking/tennessee): See Tennessee’s intrastate authority filings, separate Form H cargo proof for specified freight, and state approval requirements.

State information is based on the cited sources. Confirm current requirements with the regulator and discuss your circumstances with a licensed insurance professional.

## Sources for Tennessee Insurance Information

[^1]: [tennessee insurance regulator](https://www.tn.gov/commerce/insurance-division.html) — State insurance regulator; TDCI official insurance-division and consumer pages describe department scope, review units and complaint role.. Accessed 2026-09-28.
[^2]: [TDCI Agent/Producer Resources](https://www.tn.gov/commerce/insurance/agent-producer-resources.html) — 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.
[^3]: [File an Insurance Complaint](https://www.tn.gov/content/tn/commerce/insurance/consumer-resources/file-a-complaint.html) — 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.
[^4]: [Surplus Lines Filing Procedures](https://www.tn.gov/content/tn/commerce/insurance/types-of-insurance-companies/surplus-lines/filing-procedures.html) — 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.
[^5]: [Tennessee Public Chapter 446 (2011), T.C.A. §56-14-113](https://publications.tnsosfiles.com/acts/107/pub/pc0446.pdf) — 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.
[^6]: [Licenses](https://www.at-bay.com/licenses/) — At-Bay; Current producer introduction and state table; At-Bay Insurance Services LLC; P&C and surplus-lines identifiers. Accessed 2026-09-21.
[^7]: [Licenses and Carriers](https://www.coalitioninc.com/legal/licenses) — 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.
[^8]: [Insurance Producer Licenses](https://www.corgi.insure/broker-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.
[^9]: [About Hiscox US Insurance](https://www.hiscox.com/about-hiscox-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.
[^10]: [Licenses](https://www.nextinsurance.com/insurance-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.
[^11]: [Insurance Licenses by State](https://www.techinsurance.com/legal/licenses) — 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.
[^12]: [Licenses](https://www.vouch.us/legal/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.

Updated 2026-09-28.

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