Directory · Tennessee · Commercial package (BOP, CMP)

Who writes commercial package (BOP, CMP) in Tennessee

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

Erie Insurance Group wrote the most commercial package (BOP, CMP) in Tennessee in 2025, $151.8M and 10.8% of the state's premium; the top five groups hold 36%. 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: 05 - Total Commercial Multiple Peril

The insurer groups that write the most commercial package (BOP, CMP) 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	Erie Insurance Group	$151.8M	10.77%	46%	Erie Insurance Exchange, Erie Insurance Company, Flagship City Insurance Company, Erie Insurance Company of New York
2	Travelers Group	$111.9M	7.93%	32%	Travelers Property Casualty Company of America, Standard Fire Insurance Company (The), Travelers Personal Insurance Company, Travelers Casualty and Surety Company of America
3	Auto Owners Group	$88.6M	6.28%	31%	Auto-Owners Insurance Company, Owners Insurance Company, California Capital Insurance Company, Monterey Insurance Company
4	Tennessee Farmers Group	$79.5M	5.63%	39%	Tennessee Farmers Mutual Insurance Company
5	Cincinnati Financial Group	$71.1M	5.04%	16%	Cincinnati Insurance Company (The), Cincinnati Casualty Company (The), Cincinnati Indemnity Company (The), Cincinnati Specialty Underwriters Insurance Company (The)
6	Hartford Fire & Casualty Group	$66.8M	4.73%	15%	Hartford Fire Insurance Company, Hartford Underwriters Insurance Company, Hartford Casualty Insurance Company, Twin City Fire Insurance Company (The)
7	Chubb Ltd Group	$59.4M	4.21%	19%	Federal Insurance Company, Ace American Insurance Company, Ace Property and Casualty Insurance Company, Chubb Lloyd's Insurance Company of Texas
8	State Farm Group	$57.5M	4.08%	45%	State Farm Mutual Automobile Insurance Company, State Farm Fire and Casualty Company, State Farm Lloyds, State Farm General Insurance Company
9	Tokio Marine Holdings Inc Group	$35.1M	2.49%	28%	Philadelphia Indemnity Insurance Company, Privilege Underwriters Reciprocal Exchange, PURE Risk Mgt, Atty-in-Fact, Safety National Casualty Corporation, Producers Agriculture Insurance Company
10	Westfield Group	$33.9M	2.40%	66%	Westfield Insurance Company, Westfield National Insurance Company, American Select Insurance Company, Westfield Specialty Insurance Company

Turned down?

Last resort for commercial package (BOP, CMP) 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.

Open to use. Cite "Alishahi Insurance insurance company directory" and link here. CSV · JSON.

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