Directory · Tennessee · Equipment breakdown

Who writes equipment breakdown in Tennessee

Top insurer groups from the NAIC market share report; the state's list carries no lines of authority.

Fm Group wrote the most equipment breakdown in Tennessee in 2025, $25.7M and 39.3% of the state's premium; the top five groups hold 65%. Tennessee's company list doesn't say which lines each company is licensed for, so the ranking below is the NAIC's top 10 groups; every licensed company is on the Tennessee page.

By Sam Alishahi, independent insurance broker · All lines in Tennessee

Top 10 · NAIC table: 27 - Boiler and Machinery

The insurer groups that write the most equipment breakdown in Tennessee

Top 10 insurer groups by direct premium written in 2025, from the NAIC's Market Share Reports for Property/Casualty Groups and Companies by State. A group is the parent and its insurance companies together; share is the group's part of the state total for the line; loss ratio is losses incurred over premium earned.

#	Insurer group	Premium written	Share	Loss ratio	Member companies here
1	Fm Group	$25.7M	39.28%	31%	Factory Mutual Insurance Company, Affiliated F M Insurance Company, Appalachian Insurance Company
2	Travelers Group	$5.6M	8.49%	12%	Travelers Property Casualty Company of America, Standard Fire Insurance Company (The), Travelers Personal Insurance Company, Travelers Casualty and Surety Company of America
3	Liberty Mutual Group	$4.0M	6.06%	—	Safeco Insurance Company of America, Liberty Insurance Underwriters, Inc., Liberty Mutual Fire Insurance Company, Liberty County Mutual Insurance Company
4	Munich Re Group	$3.7M	5.67%	—	American Modern Property and Casualty Insurance Company, American Modern Home Insurance Company, American Alternative Insurance Corporation, Next Insurance US Company
5	Chubb Ltd Group	$3.3M	5.04%	9%	Federal Insurance Company, Ace American Insurance Company, Ace Property and Casualty Insurance Company, Chubb Lloyd's Insurance Company of Texas
6	Selective Insurance Group	$2.5M	3.83%	7%	Selective Insurance Company of America, Selective Insurance Company of the Southeast, Selective Insurance Company of South Carolina, Mesa Underwriters Specialty Insurance Company
7	American International Group	$1.8M	2.76%	37%	National Union Fire Insurance Company of Pittsburgh, Pennsylvania, AIG Property Casualty Company, Lexington Insurance Company, AIU Insurance Company
8	Cna Insurance Group	$1.6M	2.38%	14%	Continental Casualty Company, Continental Insurance Company, (The), American Casualty Company of Reading, Pennsylvania, National Fire Insurance Company of Hartford
9	Cincinnati Financial Group	$1.4M	2.15%	25%	Cincinnati Insurance Company (The), Cincinnati Casualty Company (The), Cincinnati Indemnity Company (The), Cincinnati Specialty Underwriters Insurance Company (The)
10	Zurich Insurance Group	$1.4M	2.09%	30%	Zurich American Insurance Company, Rural Community Insurance Company, American Zurich Insurance Company, American Guarantee and Liability Insurance Company

Turned down?

Last resort for equipment breakdown in Tennessee

Last resort	Lines	Where	How to get in
Surplus lines and Lloyd's open market	all	all states, under each state's diligent-search rules	Through surplus lines wholesalers; commercial property and liability have no guaranteed plan, so this is their last step	Source

Method and source

Source: the Tennessee insurance regulator company list, read 2026-10-18 and the surplus lines list. TDCI List of Licensed Companies (DataTable JSON feed; page says 'As of September 30, 2026'). admitted = rows with STATUS_REASON 'Licensed' of every COMPANY_TYPE except SURPLUS LINES; the list mixes P&C with life/health/title/fraternal/HMO/captive/county mutual, so 'type' is kept as given (filter type == 'PROPERTY' for admitted P&C). No lines of authority are published; 'lines' is always []. 'since' is empty for licensed rows (STATUS_DATE is only populated for suspended/restricted companies). surplus_lines = COMPANY_TYPE 'SURPLUS LINES' with STATUS_REASON 'Eligible' (foreign/US insurers only; TN keeps no alien list and defers to the NAIC IID Quarterly Listing, so alien is false for every row). Not included: LIFE/Restricted: 1; LIFE/Suspended: 4; PROPERTY/Restricted: 1; PROPERTY/Suspended: 9; REINSURER/Accredited: 35; REINSURER/Certified (passported): 8; REINSURER/RJ (passported): 51; REINSURER/Trusteed: 13; RISK RETENTION GROUP/Registered: 147; RISK RETENTION GROUP/Restricted: 1; RISK RETENTION GROUP/Suspended: 2. Risk retention groups ('Registered') and accredited/trusteed/certified/reciprocal-jurisdiction reinsurers are not admitted direct writers and were left out. Source page: https://www.tn.gov/commerce/insurance/consumer-resources/list-of-licensed-companies.html ; surplus lines definition: https://www.tn.gov/commerce/insurance/types-of-insurance-companies/surplus-lines.html. "Premium" is direct premium written in the state for the year shown; "share" is that company's part of the state total for the line. A company can be licensed for a line and write none of it, and a surplus lines insurer can write a line without a state license for it.

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