TN Department of Commerce and Insurance
500 James Robertson Parkway
Nashville, TN 37243
What we do and who to contact:
The Insurance Division is responsible for enforcing the state's insurance laws, rules and regulations.
There are more than 1,700 insurance companies, accredited reinsurers, trusted reinsurers, limited capital reinsurers, surplus lines companies and mutual risk retention groups, authorized to do business in Tennessee.
There are seven sections within the Insurance Division committed to serving the public interest.
Agent Licensing Section - Kim Biggs, Director
1-888-416-0868 or (615) 741-2693
This office is responsible for the licensing and regulation of insurance producers, business entities, title agencies, surplus lines agents, automobile club agents, education providers and life settlement providers, brokers and representatives, portable electronic venders, crop adjusters, self-service storage facilities,public adjusters, public adjuster business entities, registration of navigator and certified application counselor, individuals and organizations, bail bondsman (if writting through an insurance agency). Approximately 130,000 producers are licensed to do business in Tennessee each year.
Captive Insurance Section - Michael A. Corbett, Director
615-741-3805 or 1-855-809-0069
Captive insurance offers a wide variety of flexible tools to help you gain control over risk management issues and reduce your costs. Tennessee's new captive legislation, its unique centrally located geographic location and a Department of Commerce and Insurance dedicated to making the state a "best in class" makes for a winning combination worthy of consideration.
Consumer Insurance Services Section - Vickie Trice, Director
(615) 741-2218 or 1-800-342-4029
Consumer Insurance Services exists to educate consumers and mediate insurance-related disputes.
The educational programs cover a vast array of insurance and insurance related issues, disaster assistance and referrals to special programs.
The primary responsibility is the investigation and mediation of insurance claims and other insurance related disputes as a third-party mediator. Investigators are trained to determine if the involved insurance company and/or producer is acting in accordance with Tennessee laws, rules and regulations.
Financial Affairs Section - Mark Jaquish, Director
The Financial Affairs Section regulates the financial and operational condition of life, property and casualty, title, faternal, surplus lines companies, health maintenance organizations, governmental entity pools, self insurance groups, risk retention groups, risk purhcasing groups, third-party administrators, charitable gift annuities, professional employer organizations, preferred provider organizations, prescription drug discount plan operators, licensed or registered in Tennessee. This section is also responsible for the collection of premium taxes.
Insurance Examinations Section - Joy Little, Director
The section performs examinations of life, property and casualty and title companies, as
well as health maintenance organizations, governmental entity pools, self
insured groups, and risk retention groups domiciled in Tennessee. The duties
and responsibilities of this section encompass examining company records
including but not limited to the financial statements, bylaws, charter,
contracts, agreements, conflict of interest, investment activities, dividends
and distributions, market conduct activities, and producing an examination
report that addresses the company's compliance with state laws, rules and
Fraud Investigation Section - Frank Borger-Gillgan, Director
Fraud and Special Investigations Section -This Section investigates allegations of abuse, fraud, waste, and other violation of state or federal law.
This section is responsible for investigating fraud committed by licensed entities offering insurance products in the state of Tennessee. Licensed entities include but are not limited to insurance producers, agents, agencies and companies. This section does not investigate fraud committed by a consumer against an insurance company. That kind of fraud is handled by local law enforcement. Any complaint of wrongdoing by any licensed entity relating to insurance is appropriately referred to the fraud section.
The section ensures that allegations of fraud as related to the Department of Commerce and Insurance are investigated in a manner that best serves the Insurers and policyholders of the state of Tennessee. The Section functions both on a proactive and referral basis.
Policy Analysis Section - Brian Hoffmeister, Director
1-800-861-1270 or (615) 741-2825
Life and Health Unit -This unit reviews life, health, and credit life, long-term care, disability and legal insurance policy rates, rules and forms filed by licensed companies, to determine compliance with Tennessee statutes. It also handles annual certifications from utilization review agents and answers questions about all life and health issues.
John Duncan, Property and Casualty Unit, Manager - (615) 532-0693. This unit reviews personal and commercial property and casualty policy rates, rules and forms filed by licensed companies to determine compliance with Tennessee statutes. It also reviews vehicle protection products warranty programs for compliance with Tennessee Law and answers questions about all property and casualty insurance matters.
Mike Shinnick, Workers Compensation Manager - (615) 741-0472. This unit reviews rates, rules and form filings associated with Workers' Compensation insurance. It also oversees the administration of Tennessee Workers Compensation Insurance Plan (assigned risk pool) and answers questions about workers' compensation insurance and takes inquiries from persons aggrieved by the application of workers' compensation rating systems.