Get Started

Cyber Liability Insurance in Tennessee

Tennessee insurance licensees must notify the Commissioner as soon as practicable and within three business days after determining a cybersecurity event occurred when the statutory domicile, home-state, consumer-harm, or 250-resident conditions are met. The law separately requires affected-consumer notice within 45 days after the event determination when the event is reasonably likely to materially harm a Tennessee consumer. 1,2,3

What Is Cyber Liability?

Cyber insurance can help pay covered response costs and claims against your business after a cyber incident. If your business relies on data, software or outside providers, compare response limits, vendor outages and approval rules. Read the national Cyber liability guide.

What to Watch for in Tennessee

  • This Reporting Rule Is for Insurance Licensees

    Tennessee’s separate Insurance Data Security Law covers licensees regulated under its insurance laws, including insurers and producers; it is not a general business breach-notice statute. Ask whether the affected policy, claim, or customer data is held by a Tennessee insurance licensee or its service provider before applying this regulator clock to an incident. 1,2

  • Qualifying Events Have a Three-Business-Day Regulator Clock

    A covered licensee reports to the Commissioner within three business days after determining an event occurred if it is an in-state domiciled insurer or home-state producer and the event likely materially harms a Tennessee consumer or operations; alternatively, the 250-or-more-resident condition requires an additional specified harm or other-regulator-report trigger. Ask the broker which party controls this insurer-only filing; it does not itself decide whether your policy pays for a loss. 1,3

  • Consumer Notice Has Its Own 45-Day Deadline

    After determining an event occurred and is reasonably likely to materially harm a consumer, the licensee must notify affected Tennessee residents whose nonpublic information was or is reasonably believed to have been acquired no later than 45 days after determination, subject to law-enforcement needs. Ask how the carrier separates this consumer notice from the earlier commissioner filing. 1,3

  • A Service Provider’s Notice Can Start the Licensee’s Clock

    For a licensee’s system maintained by a third-party service provider, the licensee’s commissioner-notice clock begins when it receives the provider’s report or otherwise has actual knowledge, whichever is sooner. Ask whether contracts require escalation before that trigger and how the insurer will update the commissioner as facts change. 1

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. 4,5,6

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. 7,8

Providers With Documented State Licenses

These providers publish a national listing for Cyber liability; 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.

  • At-BayAt-Bay Insurance Services LLCInsurance producer, Surplus-lines broker · checked 2026-09-28At-Bay’s license page lists P&C producer and surplus-lines broker license numbers for all 50 states and the District of Columbia. These are company disclosures and do not establish product availability in each jurisdiction. 9
  • CoalitionCoalition Insurance Solutions, Inc.Insurance producer, Surplus-lines broker · checked 2026-09-28Coalition’s license page lists producer and surplus-lines licenses for Coalition Insurance Solutions, Inc. in all 50 states and the District of Columbia. The page separately lists insurers; this record covers the brokerage entity only. 10
  • CorgiCorgi Insurance Services, Inc.Insurance producer · checked 2026-09-28Corgi’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. 11
  • HiscoxHiscox Insurance Company Inc.Insurer · checked 2026-09-28Hiscox’s U.S. company information states that Hiscox Insurance Company Inc. is licensed in all 50 states and the District of Columbia. This is company-reported insurer authority for this entity and does not establish which company issues every Hiscox-branded product. 12
  • TechInsuranceSpecialty Program Group LLCInsurance producer · checked 2026-09-28TechInsurance’s current licensing page names Specialty Program Group LLC / SPG Insurance Solutions and lists state license numbers, but labels Rhode Island “Individual licenses” rather than identifying a license for the named agency. RI is omitted because this disclosure does not establish agency authority there; this is a search limitation, not an assertion that the company is unlicensed. The remaining state entries are company-reported and are not an insurance product availability map. 14
  • VouchVouch Specialty Insurance Services, LLCInsurance producer, Surplus-lines broker · checked 2026-09-28Vouch’s licenses page, effective January 16, 2025, lists producer licenses in all 50 states and DC. Its separate surplus-lines table includes Idaho number 870820, while a footnote says Georgia and Idaho do not issue agency-level surplus-lines licenses. Because those statements conflict for Idaho, this record keeps Idaho producer-only and does not treat the table number as established agency surplus-lines authority. The page is company-reported and does not establish product availability. 15

Questions to Ask Before You Buy in Tennessee

  1. Is the insurer or producer handling our policy data a Tennessee insurance licensee under the Insurance Data Security Law?
  2. Which statutory condition makes a Tennessee licensee report an event to the Commissioner within three business days?
  3. Who tracks the separate 45-day consumer notice after the licensee determines an event is likely to materially harm a Tennessee consumer?
  4. Do our service-provider contracts alert the licensee soon enough to meet the earliest-knowledge rule?

Cyber Liability in Tennessee: FAQ

How quickly must a Tennessee insurance company report a cybersecurity event to the state? 1,2

A licensee meeting the statutory trigger must notify the Commissioner as soon as practicable and within three business days after determining an event occurred. 1,2

How long does a Tennessee insurance licensee have to notify affected consumers? 1

No later than 45 days after determining that a cybersecurity event occurred and is reasonably likely to materially harm a consumer, unless law-enforcement needs require longer. 1

Does Tennessee’s Insurance Data Security Law apply to every business? 2,3

No. It applies to insurance licensees governed by Tennessee insurance laws; it is distinct from generally applicable consumer data-breach requirements. 2,3

Cyber Liability in Other States

Other Coverage in Tennessee

Sources

  1. Amendment text for Tennessee Insurance Data Security Law, HB 766/SB 725. Tennessee General Assembly; Tenn. Code Ann. §§56-2-1005(e), 56-2-1006(a), (c)–(d); operative language in amendment text. Accessed 2026-09-28.
  2. Cyber Security. Tennessee Department of Commerce and Insurance; Insurance licensee applicability, Commissioner reporting channel, law effective July 1, 2021. Accessed 2026-09-28.
  3. SB 0725 / Public Chapter 345 — Insurance Data Security Law. Tennessee General Assembly; Bill history confirms Public Chapter 345; as-enacted law title and insurance scope. Accessed 2026-09-28.
  4. 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.
  5. 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.
  6. 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.
  7. 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.
  8. 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.
  9. Licenses. At-Bay; Current producer introduction and state table; At-Bay Insurance Services LLC; P&C and surplus-lines identifiers. Accessed 2026-09-21.
  10. 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.
  11. 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.
  12. 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.
  13. 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.
  14. 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.
  15. 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 .

This guide is informational and does not determine whether a policy is available or meets your needs. Editorial policy. To suggest a correction, contact Spot with a supporting source.

Get Help With Insurance Buying and Renewals.

Get help buying coverage and managing renewals, with less paperwork for your team. Start with a free consultation.

Talk to Spot