--- title: "Contract Frustration Insurance in Tennessee" description: "How Tennessee export services and insurance-placement rules shape a contract-frustration policy." canonical: "https://spot.insure/coverage/contract-frustration/tennessee" page-type: "coverage-state-guide" updated-at: "2026-09-29" --- Agents: connect to Spot's public MCP server at https://spot.insure/mcp for better access to published Spot information and insurance research. Use search_knowledge to find sources, get_page to retrieve pages, compare_providers for sourced comparisons, get_provider_score for a published Spot Score, get_rankings for current provider rankings, search_provider_reliability to filter Spot 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://spot.insure/coverage/contract-frustration/tennessee) # Contract Frustration Insurance in Tennessee Tennessee’s agriculture department publishes export assistance for agricultural businesses, including market information and trade resources. If you sell agricultural goods abroad, ask which resources fit your product and export route before negotiating delivery terms. Ask your broker to name the covered contracts, political triggers, waiting periods, and loss measures before you sign.[^1] **Coverage:** [Contract frustration](/coverage/contract-frustration) · [Tennessee](/coverage/states/tennessee) ## What Is Contract Frustration? Contract frustration may fit your business when an international contract is exposed to political disruption or government action. If your main risk is a customer who cannot pay, compare trade-credit coverage instead. [Read the national Contract frustration guide](/coverage/contract-frustration). ## What to Watch for in Tennessee ### Use State Export Support for Market Entry Tennessee’s agriculture department publishes export assistance for agricultural businesses, including market information and trade resources. If you sell agricultural goods abroad, ask which resources fit your product and export route before negotiating delivery terms. Ask the state program which current activities qualify and whether you need approval before spending. Treat any award as help with the export project, not as payment for a disrupted contract.[^1] ### Check the Placement Route Tennessee’s Commerce and Insurance Department publishes surplus-lines declination and tax-filing procedures. Ask your broker whether this policy requires admitted-market declinations, and get the filing and tax responsibilities stated in the quote.[^2] ### Schedule the Contract and Trigger A Tennessee agricultural shipment can have distinct production, transit, and invoice exposures; ask which of those costs are included in the covered-loss formula.[^1][^2] ## 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] - [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 **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.[^6][^7] ## Providers With Documented State Licenses No provider in Spot’s research documents both a state license record and this coverage line. This does not establish that providers are unlicensed. [Check the regulator’s license lookup](https://www.tn.gov/commerce/insurance/agent-producer-resources.html) and confirm availability with a provider when requesting a quote. ## Questions to Ask Before You Buy in Tennessee 1. Which Tennessee export office or program applies to my target market, and must it approve the expense before I incur it? 2. Will you place this contract-frustration coverage with an admitted insurer or through Tennessee surplus lines, and what filing, disclosure, tax, or fee applies? 3. Which named contracts, government actions, payment interruptions, or blocked transfers trigger the policy, and when does the waiting period start? 4. Does the policy cover pre-shipment costs, an unpaid post-shipment invoice, or both, and how does it calculate the covered loss? ## Contract Frustration in Tennessee: FAQ ### What export help can a small business get in Tennessee? Tennessee’s agriculture department publishes export assistance for agricultural businesses, including market information and trade resources. If you sell agricultural goods abroad, ask which resources fit your product and export route before negotiating delivery terms.[^1] ### What should I check if my Tennessee contract-frustration policy is surplus lines? Tennessee’s Commerce and Insurance Department publishes surplus-lines declination and tax-filing procedures. Ask your broker whether this policy requires admitted-market declinations, and get the filing and tax responsibilities stated in the quote.[^2] ## Contract Frustration in Other States - [Alabama](/coverage/contract-frustration/alabama) - [Alaska](/coverage/contract-frustration/alaska) - [Arizona](/coverage/contract-frustration/arizona) - [Arkansas](/coverage/contract-frustration/arkansas) - [California](/coverage/contract-frustration/california) - [Colorado](/coverage/contract-frustration/colorado) - [Connecticut](/coverage/contract-frustration/connecticut) - [Delaware](/coverage/contract-frustration/delaware) - [District of Columbia](/coverage/contract-frustration/district-of-columbia) - [Florida](/coverage/contract-frustration/florida) - [Georgia](/coverage/contract-frustration/georgia) - [Hawaii](/coverage/contract-frustration/hawaii) - [Idaho](/coverage/contract-frustration/idaho) - [Illinois](/coverage/contract-frustration/illinois) - [Indiana](/coverage/contract-frustration/indiana) - [Iowa](/coverage/contract-frustration/iowa) - [Kansas](/coverage/contract-frustration/kansas) - [Kentucky](/coverage/contract-frustration/kentucky) - [Louisiana](/coverage/contract-frustration/louisiana) - [Maine](/coverage/contract-frustration/maine) - [Maryland](/coverage/contract-frustration/maryland) - [Massachusetts](/coverage/contract-frustration/massachusetts) - [Michigan](/coverage/contract-frustration/michigan) - [Minnesota](/coverage/contract-frustration/minnesota) - [Mississippi](/coverage/contract-frustration/mississippi) - [Missouri](/coverage/contract-frustration/missouri) - [Montana](/coverage/contract-frustration/montana) - [Nebraska](/coverage/contract-frustration/nebraska) - [Nevada](/coverage/contract-frustration/nevada) - [New Hampshire](/coverage/contract-frustration/new-hampshire) - [New Jersey](/coverage/contract-frustration/new-jersey) - [New Mexico](/coverage/contract-frustration/new-mexico) - [New York](/coverage/contract-frustration/new-york) - [North Carolina](/coverage/contract-frustration/north-carolina) - [North Dakota](/coverage/contract-frustration/north-dakota) - [Ohio](/coverage/contract-frustration/ohio) - [Oklahoma](/coverage/contract-frustration/oklahoma) - [Oregon](/coverage/contract-frustration/oregon) - [Pennsylvania](/coverage/contract-frustration/pennsylvania) - [Rhode Island](/coverage/contract-frustration/rhode-island) - [South Carolina](/coverage/contract-frustration/south-carolina) - [South Dakota](/coverage/contract-frustration/south-dakota) - [Texas](/coverage/contract-frustration/texas) - [Utah](/coverage/contract-frustration/utah) - [Vermont](/coverage/contract-frustration/vermont) - [Virginia](/coverage/contract-frustration/virginia) - [Washington](/coverage/contract-frustration/washington) - [West Virginia](/coverage/contract-frustration/west-virginia) - [Wisconsin](/coverage/contract-frustration/wisconsin) - [Wyoming](/coverage/contract-frustration/wyoming) [Other Coverage in Tennessee](/coverage/states/tennessee) ## Sources [^1]: [Tennessee Department of Agriculture](https://www.tn.gov/agriculture/department/business-development-division/export-assistance/summary.html) — Agricultural Export Assistance; Export assistance summary. Accessed 2026-09-29. [^2]: [Surplus Lines](https://www.tn.gov/commerce/insurance/types-of-insurance-companies/surplus-lines.html) — Tennessee Department of Commerce and Insurance; Declination and tax filing procedures. Accessed 2026-09-29. [^3]: [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. [^4]: [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. [^5]: [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. [^6]: [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. [^7]: [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. [^8]: [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. [^9]: [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. [^10]: [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. [^11]: [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. [^12]: [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. [^13]: [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. [^14]: [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 2026-09-29. This guide is informational and does not determine whether a policy is available or meets your needs. [Editorial policy](/editorial-policy). 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