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Tennessee medical malpractice insurance guide

Tennessee requires health-care-liability presuit notice to each intended provider defendant at least 60 days before suit, and appellate decisions require strict compliance. Use that step to check who is insured and who receives notices; the state’s public malpractice-payment profiles can inform provider due diligence but do not establish fault. 1,2

What Is Medical Malpractice?

Medical malpractice insurance can pay defense costs and covered damages when a patient claims a clinician’s care caused harm. If you provide health care, match the quote to your practice, clinicians, specialties and procedures, then check who is insured. Read the national Medical malpractice guide.

What to Watch for in Tennessee

  • Notice must reach each intended defendant

    Tennessee’s appellate court describes 60-day presuit notice as mandatory and requires strict compliance; notice to the wrong entity may not suffice. Confirm the named insureds, employing entities and the carrier’s incident-reporting contacts so the right parties can be identified early. 1

  • Coordinate notice with suit deadlines

    The cited opinion explains that compliant presuit notice can extend the one-year limitation period by 120 days, but it does not make late or misdirected notice safe. Ask counsel to manage legal service while the policy’s separate notice-of-circumstances conditions are met. 1

  • Read paid-claim histories with context

    Tennessee publishes certain paid malpractice judgments, arbitration awards and settlements over profession-specific thresholds for a ten-year window. The Department warns that a settlement is not a presumption of malpractice; compare within specialty and do not treat a profile entry alone as proof of fault. 2

  • Do not quote a proposed damages change as current law

    The General Assembly’s SB0419 page shows continuing amendment and conference activity around proposed damages changes. This guide does not state a current noneconomic cap amount from that pending legislative record; obtain current advice for a claim-specific limit. 3

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 Medical malpractice; 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.

  • 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
  • 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. Who is responsible for sending prompt written incident notice to the insurer and for serving statutory notice on every potential defendant?
  2. Does the policy include each practice entity, employer and clinician that could receive presuit notice?
  3. When reviewing a Tennessee profile, what specialty comparison and settlement context accompany any payment entry?

Medical Malpractice in Tennessee: FAQ

Is Tennessee’s 60-day notice step optional? 1

The cited Court of Appeals opinion says notice to each intended provider defendant is mandatory and strict compliance is required. 1

Does a reported Tennessee settlement prove malpractice? 2

No. The Department’s profile information must carry a warning that settlement can occur for reasons unrelated to professional competence or whether malpractice occurred. 2

Medical Malpractice in Other States

Other Coverage in Tennessee

Sources

  1. Tennessee Court of Appeals opinion, July 31, 2025. Tennessee Courts; Discussion of Tenn. Code Ann. §29-26-121(a), (c): 60-day notice to each provider, service, strict compliance and 120-day extension. Accessed 2026-09-28.
  2. Professional Boards: Licensee Profiles. Tennessee Department of Health; Public profile information: malpractice judgments, paid arbitration awards and settlements; ten-year disclosure window; profession-specific reporting thresholds and settlement caveat. Accessed 2026-09-28.
  3. SB0419, 114th General Assembly. Tennessee General Assembly; Current bill status and amendment history for proposed TCA §29-39-102 changes; used to avoid treating unresolved proposed cap changes as enacted law. 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.

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