Tennessee House Bill HB1826

Tennessee 2025-2026 Regular Session

• Introduced: 1/21/26
• Refer: 2/2/26
• Refer: 3/11/26
• Refer: 3/24/26
• Chaptered: 5/4/26
• Passed: 5/4/26

Caption

AN ACT to amend Tennessee Code Annotated, Title 56, Chapter 22, relative to county mutual insurance companies.

Summary

HB1826 amends Tennessee’s county mutual insurance company law in Title 56, Chapter 22 by increasing the statutory dollar threshold from $100,000 to $250,000 in two places. The bill specifically updates Tennessee Code Annotated § 56-22-106(c)(1)(B) and § 56-22-106(c)(2), raising the amount referenced in those provisions and leaving the rest of the county mutual insurance framework unchanged. The act takes effect July 1, 2026. In practical terms, the bill expands the financial limits applicable to county mutual insurance companies under state law, which may affect how these insurers are structured, regulated, or authorized to operate under the cited provisions. Because the change is limited to a numeric threshold, it is a targeted statutory update rather than a broad rewrite of insurance law.

Impact

The bill directly amends Tennessee Code Annotated Title 56, Chapter 22, increasing a key dollar amount from $100,000 to $250,000 in two subsections governing county mutual insurance companies. This changes the legal threshold used in those provisions and may broaden the capacity or eligibility of affected county mutual insurers under state regulation. The bill affects county mutual insurance companies and, indirectly, the policyholders and counties served by those entities.

Sentiment

The bill appears to have been received very favorably and without significant opposition. It passed the Insurance Subcommittee unanimously, advanced from the House Insurance Committee unanimously, and then passed the House on third consideration by a wide margin on the consent calendar. The voting pattern suggests broad bipartisan agreement and a routine, noncontroversial technical adjustment to insurance law.

Contention

There is little evidence of substantive contention around HB1826. No committee transcript objections are provided, and the recorded votes were overwhelmingly in favor, with only one no vote on final passage. Any potential concern would likely have centered on whether increasing the statutory threshold to $250,000 meaningfully changes the regulatory scope for county mutual insurance companies, but the available record shows no organized opposition or debate.