Tennessee Insurance Guaranty Association


Welcome to the Tennessee Insurance Guaranty Association (TIGA) website.  We hope that you find this site helpful in providing information regarding the purpose of the TIGA and how it protects Tennessee policyholders and claimants in the event of a property and casualty insurance company insolvency.

Who Are We?

TIGA was created in 1971.  Our mission is to provide a safety-net on specific statutorily defined claims and claims for unearned premiums, for Tennessee companies and residents who purchase insurance from an insurance company licensed in the state of Tennessee.

TIGA is managed on a day-to-day basis by an Executive Secretary who reports to a five person board of directors.  The board, which is representative of member companies, sets the policy for TIGA.  Through a close relationship with the Tennessee Department of Commerce and Insurance, the Commissioner is kept informed of the activities of TIGA on a regular basis.

Funding is derived from disbursements from liquidating entities and assessments of member insurers.

What Do We Do?

TIGA is a not for profit unincorporated association created “to provide a mechanism for the payment of covered claims under certain insurance policies to avoid excessive delay in payment and to avoid financial loss to claimants or policyholders because of the insolvency of an insurer, and to provide an association to assess the cost of such protection among insurers.” (see T.C.A., § 56-12-102)

TIGA does not handle Life or Accident & Health claims.  Please direct all questions to the Tennessee Life & Health Insurance Guaranty Association at (615) 242-8758, or visit their website at www.tnlifega.org.  See Statute 56-12-103, for lines of business NOT covered by TIGA.