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TN admitted filing requirements

Tennessee Admitted P&C filing requirements

Review Tennessee admitted property and casualty form, rate, and rule filing methods, timing, exemptions, packaging requirements, and official authorities.

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Tennessee filing requirements

Search the source-backed requirements. Each entry shows only the filing details that apply.

Showing 8 of 8 requirements

Form · Rate · Rule

Exemption

Boiler and machinery environmental impairment or pollution liability kidnap and ransom political risk or expropriation employment practices liability media liability and product liability product recall or completed operations are exempt from rate supplementary-information form and endorsement filing whether stand-alone or endorsed.

Applies to: Named coverage exemptions

Conditions and exceptions: The policy must include the statutory filing-exemption disclaimer and other insurance-law requirements still apply.

Filing method
No Filing
Timing
Not applicable
Applies to
Commercial
Filing required
No
Tenn. Code § 56-5-106(b)
Verified Jul 21, 2026

Form · Rate · Rule

Exemption

Section 56-5-106(a) does not apply to a policy issued to a qualifying exempt commercial risk policyholder using the required licensed producer or risk manager and meeting the governmental nonprofit or financial tests.

Applies to: Qualifying exempt commercial risk policyholder

Conditions and exceptions: A private commercial policyholder must certify all four financial and size tests including at least $200,000 aggregate commercial premium excluding workers compensation and employer liability; the policy needs a disclaimer.

Filing method
No Filing
Timing
Not applicable
Applies to
Commercial
Filing required
No
Tenn. Code § 56-5-122
Verified Jul 21, 2026

Form · Rate · Rule

Exemption

Commercial inland-marine risks that by general custom are not written according to manual rules or rating plans do not require the ordinary rate supplementary-information form or endorsement filing.

Applies to: Customary nonmanual inland marine

Conditions and exceptions: Do not treat all inland marine as exempt; the customary nonmanual condition is essential.

Filing method
No Filing
Timing
Not applicable
Applies to
Inland Marine
Filing required
No
Tenn. Code § 56-5-106(a)(1)
Verified Jul 21, 2026

Form · Rate · Rule

Method

Rates supplementary rate information forms and endorsements are filed no later than 15 days after their effective date. The Commissioner may prospectively disapprove a form already in effect after notice and hearing.

Applies to: Ordinary commercial-risk filings

Conditions and exceptions: Customary nonmanual inland marine named coverage exemptions exempt policyholders and workers compensation have separate treatment.

Filing method
Use And File
Timing
15 days after effective date
Applies to
Commercial
Configuration
Combined Or Separate
Tenn. Code § 56-5-106(a)
Verified Jul 21, 2026

Form · Rate · Rule

Method

Rates supplementary rate information supporting information forms and endorsements are filed at least 30 days before the proposed effective date. A complete filing deems effective unless disapproved; the Commissioner may extend review by up to 30 days.

Applies to: Ordinary personal-risk filings

Conditions and exceptions: The filing is not deemed made until requested supporting information is supplied. HB 1076/SB 711 proposes 21 days but is not law.

Filing method
Prior Approval
Timing
30 days before effective date
Applies to
Personal
Approval before use
Conditional
Configuration
Combined Or Separate
Tenn. Code § 56-5-105 and current bill status
Verified Jul 21, 2026

Form · Rate · Rule

Method

No residual-market filing may be used until it becomes effective under § 56-5-105, so the personal-risk 30-day prior-approval/deemer path applies rather than the ordinary 15-day commercial use-and-file path.

Applies to: Personal or commercial residual-market filing

Filing method
Prior Approval
Timing
30 days before effective date
Applies to
Commercial, Personal
Approval before use
Conditional
Configuration
Combined Or Separate
Tenn. Code § 56-5-107(c)
Verified Jul 21, 2026

Form · Rate · Rule

Method

The designated rate service organization files advisory prospective loss costs for approval and they become effective only when approved under § 50-6-402. Each insurer or commonly owned group files its multiplier and support within 15 days after effectiveness.

Applies to: Loss costs and insurer multipliers

Filer type: Rating Organization

Conditions and exceptions: Multipliers must be actuarially justified and certified by a Casualty Actuarial Society member.

Filing method
Prior Approval
Applies to
Workers Compensation
Approval before use
Conditional
Configuration
Separate Required
Tenn. Code § 56-5-106(c)-(e)
Verified Jul 21, 2026

Form · Rate · Rule

Packaging

Current Tennessee filings actively use Form/Rule Form/Rate and Form/Rate/Rule as well as separate Form Rate Rule and Rate/Rule types. No reviewed current source establishes a universal requirement to combine or separate ordinary P&C material.

Applies to: Configured SERFF filing types

Conditions and exceptions: The Department maintains separate P&C and workers compensation review units; use the correct product channel.

Approval before use
Conditional
Configuration
Combined Or Separate
Tennessee filing types submitted 2024-2026
Verified Jul 21, 2026