Business Details
50+ Years
experience
Tennessee Insurance Guaranty Association - Protecting Policyholders in Tennessee
Established in 1971, the Tennessee Insurance Guaranty Association (TIGA) serves as a critical safety net for Tennessee policyholders and claimants. Our organization specializes in managing claims and unearned premium reimbursements when property and casualty insurance companies become insolvent. Governed by a five-member board of directors and led by an Executive Secretary, we operate under statutory authority to ensure timely resolution of covered claims while maintaining compliance with Tennessee Code Annotated regulations. Through strategic collaboration with the Tennessee Department of Commerce and Insurance, we provide transparent processes for claim assessment, implement standardized procedures for premium reimbursements, and coordinate with liquidators to maintain industry stability.Our funding model combines assessments from member insurers and disbursements from liquidating entities to sustain operations. With decades of experience handling complex insolvency cases, we prioritize claimant protection while maintaining strict adherence to legal frameworks. Our team combines deep insurance industry knowledge with specialized expertise in guaranty fund administration to deliver reliable solutions for policyholders and businesses across Tennessee.
Services
Claims Handling
Unearned Premium Reimbursement
Insolvency Management
Legal Compliance Support
Policyholder Protection
Details
- Year established: 1971
Highlights and features
- We operate under Tennessee statutory authority with specialized insolvency expertise
- Our team manages claims with transparent, standardized procedures
- We maintain industry stability through structured assessment processes
- Our organization coordinates directly with state insurance regulators
- We provide timely resolution of covered claims during insurer insolvencies
Services
Claims Handling
We manage property and casualty insurance claims when licensed insurers become insolvent. Our team evaluates covered claims under Tennessee statutory guidelines, ensuring timely payments while maintaining compliance with legal requirements. This service protects policyholders and claimants through structured assessment processes.
Unearned Premium Reimbursement
We process unearned premium claims for policies canceled due to insurer insolvency. Reimbursements follow statutory limits with $250 deductibles and $10,000 maximums. Our system verifies eligibility through loss run reports while excluding large net worth insureds exceeding $10M thresholds.
Insolvency Management
We coordinate with liquidators and courts during insurance company insolvencies. Our processes include claim validation, file transfers following UDS standards, and implementing stay orders for pending litigation. We maintain records and provide status updates throughout the liquidation process.
Legal Compliance Support
We ensure adherence to Tennessee Code Annotated statutes and NAIC guidelines. Our compliance framework includes reporting to the National Practitioner Data Bank, handling large deductible cases, and maintaining documentation for state and federal audits.
Policyholder Protection
We protect Tennessee residents through statutory coverage limits and standardized procedures. Our safeguards include handling emergency claims through dedicated hotlines, managing subrogation rights, and providing clear information about coverage exclusions and claim priorities.
People
Lorrie Brouse
Executive Secretary
Lorrie Brouse oversees TIGA's daily operations and implements board directives. With extensive insurance industry experience, she manages claims resolution processes and maintains regulatory compliance while serving as primary liaison with state officials.
Kerry Nations
Administrator
Kerry Nations manages administrative operations and coordinates with liquidators during insolvency cases. He ensures proper documentation handling and maintains procedural compliance with Tennessee insurance statutes through systematic process implementation.
Beth Ann Dufur
Claims Manager
Beth Ann Dufur supervises claims assessment and processing. She ensures accurate evaluation of covered claims, implements statutory reimbursement guidelines, and maintains quality control over claim resolution timelines and documentation standards.
Questions
What is TIGA's primary function?
TIGA protects Tennessee policyholders by handling claims and unearned premium reimbursements when property and casualty insurers become insolvent, operating under statutory authority.
How do I file a claim with TIGA?
Contact TIGA directly at (615) 242-6839 during business hours or use the dedicated hotline for specific insolvencies to initiate the claim filing process.
What types of insurance does TIGA cover?
TIGA covers property and casualty insurance policies. Life and health insurance claims are handled by the Tennessee Life & Health Insurance Guaranty Association.
Are there coverage limits?
Unearned premium claims have a $250 deductible and $10,000 maximum. Large net worth insureds exceeding $10M may be excluded from certain coverages.
How is TIGA funded?
TIGA receives funding through assessments on member insurers and disbursements from liquidating entities, maintaining financial stability to fulfill its statutory obligations.
What happens during an insolvency?
When an insurer becomes insolvent, TIGA assumes responsibility for covered claims. We coordinate with liquidators, implement stay orders, and manage claims processing according to statutory guidelines.
