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:

Property Coverage – All Risk Replacement Cost

Comprehensive General Liability – General Liability, Personal Injury, Law Enforcement Liability

Automobile Liability

School Board and Public Officials Errors and Omissions

Worker’s Compensation and Employers Liability

Employee Benefits Liability


Athletics and Student Accident Liability

Cyber Liability