TDCI’s “How To Buy WC Insurance and How To Access The Tennessee Residual Market” page tells employers to start in the voluntary market. Tennessee, the agency writes, “has a voluntary competitive workers’ compensation market comprised of around four hundred (400) companies licensed to sell workers' compensation insurance,” mostly through independent agents, with the largest single carrier under a five percent market share.
If an employer has “been rejected for WC coverage by two (2) or more non-affiliated workers’ compensation insurance companies writing in Tennessee” and cannot obtain voluntary coverage, TDCI says the employer may seek the Tennessee Workers' Compensation Insurance Plan (WCIP), commonly called the residual market. WCIP applications are managed by NCCI; TDCI lists 800-NCCI-123 (800-622-4123) and ncci.com.
TDCI also states there are currently ten (10) companies that process policies and claims for Tennessee’s WCIP, listing AmGuard, LM Corporation, Travelers Property Casualty Co of America, Accident Fund, Ace American, American Zurich, Auto Owners, Builders Mutual, Continental Casualty, and Hartford Underwriters.
Seasons change. So should your coverage. For a free personal policy review, call 865-263-1400 or visit asigtn.com/get-a-quote/.
By All Seasons Insurance Group — informational only; no coverage or eligibility promise.
| Step | TDCI guidance |
|---|---|
| Voluntary market | ~400 licensed WC companies; start with your commercial agent when possible. |
| Residual trigger | Two or more non-affiliated rejections; then WCIP via NCCI. |
| NCCI contact | 800-NCCI-123 (800-622-4123) or ncci.com. |
| WCIP processors | Ten named companies process policies and claims. |
How large is Tennessee’s voluntary workers’ comp market on TDCI’s buy-WC page?
TDCI states Tennessee has a voluntary competitive workers’ compensation market comprised of around four hundred (400) companies licensed to sell workers' compensation insurance, mostly through independent agents.
When can an employer seek the Tennessee residual market (WCIP)?
TDCI says if you have been rejected for WC coverage by two (2) or more non-affiliated workers’ compensation insurance companies writing in Tennessee and cannot obtain voluntary coverage, you may seek the Tennessee Workers' Compensation Insurance Plan (WCIP).
Who manages Tennessee’s WCIP application process?
TDCI states WCIP is managed by the National Council on Compensation Insurance (NCCI). Contact NCCI at 800-NCCI-123 (800-622-4123) or ncci.com.
How many companies process WCIP policies and claims?
TDCI writes there are currently ten (10) companies that process policies and claims for Tennessee’s WCIP, naming AmGuard, LM Corporation, Travelers Property Casualty Co of America, Accident Fund, Ace American, American Zurich, Auto Owners, Builders Mutual, Continental Casualty, and Hartford Underwriters.
What should employers try before residual-market placement?
TDCI’s first step is the voluntary market: submit applications through an agent, and if you already buy commercial auto or general liability, start with that agent.
Does residual-market eligibility have unpaid-premium conditions?
TDCI states you must not have any undisputed workers’ compensation premium owed to a previous insurance company, and you must comply with all reasonable workplace safety recommendations.
Is this a guarantee that All Seasons can place every WC risk?
No. The article restates TDCI’s public how-to page. Placement still depends on underwriting and an actual application.
How can East Tennessee businesses get a review?
Call 865-263-1400 or visit asigtn.com/get-a-quote/ for a free policy review conversation about commercial placements.
