What We Do

What We Do

The Tennessee Risk Management Trust (TNRMT) provides broad coverage options that fit the unique and specific needs of Tennessee’s public entities. Our coverages are designed to protect the assets of Tennessee’s public entities in accordance to the Tennessee Tort Liability Act, while providing our members options in terms of deductibles, coverage limits, and excess insurance. Currently, we offer the following coverage products:


Inland Marine

Boiler & Machinery

Crime/Employee Dishonest


Auto Physical Damage


Workers Compensation

Employers Liability

General Liability

Auto Liability

Errors & Omissions

Directors & Officers

Employee Practices Liability

Specialty Lines

Pollution Liability

Student Accident

Cyber Liability

School Board Legal Liability

For Sales and Underwriting questions or inquiries please contact Next Generation Underwriters at www.ngutn.com or call 615-822-5454.