Tennessee commercial insurance rate filings (2026)
Every commercial-insurance carrier writing business in Tennessee files its loss costs and rating values with the state's insurance regulator — the primary-source records that drive every commercial quote in Tennessee. This page summarizes the 1 active filings we track for Tennessee across 1 line(s) of business and 1 classification(s).
How Workers' Comp rates are set in Tennessee
Tennessee runs a private Workers' Comp market. Rate filings are reviewed by the Tennessee Department of Commerce & Insurance (TDCI). We track 1 distinct classification(s) for Tennessee across 1 active filing(s). Workers' Comp loss costs are filed by NCCI in most states or by an independent state rating bureau; your actual premium is that filed loss cost multiplied by your carrier's loss-cost multiplier (LCM), your experience modifier, and your payroll divided by $100 — so two Tennessee businesses in the same classification can pay very different rates. Comparing quotes from multiple carriers is the only way to see how those multipliers differ for your specific operation.
The lines represented are Workers Compensation. The most-recent Tennessee filing we track is effective March 2026. Every row below links to its SERFF tracking number so the Tennessee regulator record can be verified.
Workers' Compensation covers medical bills and lost wages for Tennessee employees injured on the job — mandatory in Tennessee once you have staff.
In Tennessee, Commercial General Liability carriers earned about $1.8B in premiums at a 61.5% loss ratio and a 1% underwriting profit (NAIC 2023). In Tennessee, Commercial Multiple Peril carriers earned about $1.1B in premiums at a 84.1% loss ratio and a -29.8% underwriting profit (NAIC 2023). In Tennessee, Workers Compensation carriers earned about $860M in premiums at a 40.1% loss ratio and a 23.4% underwriting profit (NAIC 2023). In Tennessee, Commercial Auto carriers earned about $759M in premiums at a 62.8% loss ratio and a 4.1% underwriting profit (NAIC 2023). In Tennessee, Inland Marine carriers earned about $698M in premiums at a 40.2% loss ratio and a 24.2% underwriting profit (NAIC 2023). In Tennessee, Commercial Property carriers earned about $469M in premiums at a 50.7% loss ratio and a 22.4% underwriting profit (NAIC 2023). In Tennessee, Medical Professional Liability carriers earned about $265M in premiums at a 45% loss ratio and a 6.4% underwriting profit (NAIC 2023). In Tennessee, Product Liability carriers earned about $96M in premiums at a 25.3% loss ratio and a 38.4% underwriting profit (NAIC 2023). These market-level results come from the NAIC Report on Profitability by Line by State — a primary-source view of how each commercial line actually performs in Tennessee, beyond the filed loss costs above.
- Tennessee rate filings are public, primary-source records; every figure here traces to a SERFF tracking number you can verify with the state regulator.
- Your actual Tennessee premium depends on your class code, carrier loss-cost multiplier, experience modifier, and payroll — the filed loss cost is only the starting point.
Recent rate-filing activity — 1 state filings across 1 commercial line
Commercial carriers can't charge whatever they want — each state's Department of Insurance must approve loss-cost filings before they take effect. These are primary-source, government-held records available on SERFF Filing Access. Cited below: the most-recent active filings affecting commercial operations, with the real SERFF tracking number for each.
| Line | State | Overall change | Effective | SERFF tracking |
|---|---|---|---|---|
| WC | TN | Voluntary -2.0% loss cost / -1.1% assigned risk | Mar 1, 2026 | NCCI-134676769 |
Source: SERFF Filing Access (filingaccess.serff.com) — the official public-records interface for state Department of Insurance filings. Loss-cost changes shown are the overall bureau-wide change in each state; the actual impact on your quote depends on your class code, payroll, experience modifier, and carrier-specific loss-cost multiplier (LCM). Get a quote for your exact numbers.
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Bureau-filed loss-cost changes are the regulator-approved starting point — actual premium depends on your class code, payroll, experience modifier, schedule credits/debits, and the carrier's LCM. Request a free Tennessee quote in under 90 seconds.
Get a free Tennessee quote →Related Tennessee cost pages
Tennessee-specific cost guides for the verticals we cover:
Tennessee insurance profitability by line (2023 NAIC)
How profitable each commercial line runs in Tennessee — loss ratio (incurred losses ÷ premiums earned); lower is more profitable for carriers:
Source: NAIC 2023 Report on Profitability by Line by State · compare every line & state →