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Last-mile delivery insurance in Tennessee

Adopted amendment HA0953, enacted as Public Chapter 1011, requires $50,000/$100,000/$25,000 during both the delivery-availability period and the delivery-service period. The bill page lists an effective date of January 1, 2027. That is not yet in force. The passenger-network act, from the 2015 amendments, requires $50,000/$100,000/$25,000 before a prearranged ride and $1 million on a prearranged ride for transporting passengers, with the insurance duty written as beginning January 1, 2016. 1,2

What Is Last-Mile Delivery?

Last-mile delivery insurance is not one standard policy: vehicle liability, vehicle damage and cargo protection can be separate. If your staff deliver orders in company, rented or personal vehicles, check each vehicle, cargo and worker-injury exposure in the quote. Read the national Last-mile delivery guide.

Tennessee Requirements

RequirementDetails
Delivery periods beginning January 1, 2027$50,000 / $100,000 / $25,000 in both periods 1,2
Passenger TNC, prearranged ride$1 million 3

What to Watch for in Tennessee

  • The Delivery Statute Starts January 1, 2027

    HA0955, as described on the adopted text, replaced a July 1, 2026 date with January 1, 2027. The bill-information page lists that effective date. A policy bought now is not yet under the delivery-network floor. Ask what limit applies until that date, because the passenger $1 million ride limit is not this delivery chapter. 1,2

  • Both Delivery Periods Use the Same Floor

    HA0953 does not raise the limit when a delivery is accepted. The driver, the delivery network company, or both must maintain $50,000 bodily injury to one person, $100,000 to all persons, and $25,000 property damage in the availability period and in the service period. The enrolled pamphlet PDF did not open, so this is the adopted amendment, not a later compilation. 1

  • The 2016 Passenger Act Is a Different Trip

    The transportation-network amendments require coverage that recognizes the driver transports passengers for compensation, with $1 million on a prearranged ride and the insurance duty beginning January 1, 2016. A goods delivery is not that passenger ride. Do not use the passenger act to fill the months before January 1, 2027. 3,4

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. 5,6,7

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. 8,9

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 and confirm availability with a provider when requesting a quote.

Questions to Ask Before You Buy in Tennessee

  1. What liability limit applies to a goods delivery before January 1, 2027, when the delivery-network amounts take effect?
  2. On and after that date, is the quote $50,000/$100,000/$25,000 in both the availability period and the service period?
  3. Are any passenger trips still on the 2016 act's $1 million prearranged-ride limit?

Last-Mile Delivery in Tennessee: FAQ

When do Tennessee's delivery-network insurance amounts take effect? 2,1

January 1, 2027. The bill page for Public Chapter 1011 lists that effective date, and the adopted amendment uses it. 2,1

Does Tennessee raise the delivery-network limit to $1 million once a delivery starts? 1

No. The adopted amendment keeps $50,000/$100,000/$25,000 in both the delivery-availability period and the delivery-service period. 1

Last-Mile Delivery in Other States

Other Coverage in Tennessee

Sources

  1. Amendment No. 1 to HB2175 (HA0953), § 55-12-143 delivery network company insurance. Tennessee General Assembly; adopted April 16, 2026. Accessed 2026-09-29.
  2. HB 2175 bill information, Public Chapter 1011. Tennessee General Assembly; Effective date(s) 01/01/2027; Pub. Ch. 1011. Accessed 2026-09-29.
  3. Amendment No. 1 to HB0992 (HA0223), Transportation Network Company Services Act, § 55-12-141. Tennessee General Assembly; adopted April 20, 2015; insurance subsections (b)–(d). Accessed 2026-09-29.
  4. HB 0992 bill information, Public Chapter 520. Tennessee General Assembly; Pub. Ch. 520; also adopted HA0445 and HA0453. Accessed 2026-09-29.
  5. 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.
  6. 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.
  7. 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.
  8. 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.
  9. 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.
  10. Licenses. At-Bay; Current producer introduction and state table; At-Bay Insurance Services LLC; P&C and surplus-lines identifiers. Accessed 2026-09-21.
  11. 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.
  12. 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.
  13. 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.
  14. 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.
  15. 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.
  16. 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.

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