Directory · Tennessee · Credit

Who writes credit in Tennessee

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

Arch Insurance Group wrote the most credit in Tennessee in 2025, $12.2M and 16.7% of the state's premium; the top five groups hold 58%. 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: 28 - Credit

The insurer groups that write the most credit 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	Arch Insurance Group	$12.2M	16.69%	21%	Arch Insurance (UK) Limited, Arch Mortgage Insurance Company, Arch Indemnity Insurance Company, Arch Specialty Insurance Company
2	American Financial Group	$11.6M	15.94%	27%	Great American Insurance Company, Great American Assurance Company, National Interstate Insurance Company, Great American Alliance Insurance Company
3	Amtrust Financial Serv Group	$7.3M	10.05%	85%	Wesco Insurance Company, Technology Insurance Company, Inc., Security National Insurance Company, AmTrust Insurance Company
4	Ohio Indemnity Company	$5.7M	7.84%	33%	—
5	Allianz Insurance Group	$5.5M	7.50%	34%	Allianz Global Risks US Insurance Company, Jefferson Insurance Company, Fireman's Fund Insurance Company, AGCS Marine Insurance Company
6	Tiptree Financial Group	$4.9M	6.71%	35%	Lyndon Southern Insurance Company, Response Indemnity Company of California, Fortegra Specialty Insurance Company, Insurance Company of the South
7	Onemain Holdings Inc Group	$3.9M	5.41%	74%	Triton Insurance Company
8	Intact Financial Group	$3.8M	5.21%	66%	Atlantic Specialty Insurance Company, Homeland Insurance Company of New York, OBI National Insurance Company, Homeland Insurance Company of Delaware
9	Brookfield Wealth Solutions Group	$2.9M	3.96%	107%	American National Property and Casualty Company, American National Lloyds Insurance Company, Argonaut Insurance Company, Colony Insurance Company
10	Minnesota Mutual Group	$2.5M	3.36%	50%	Securian Casualty Company, Securian Specialty Lines, Inc.

Turned down?

Last resort for credit 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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