Tennessee insurance fraud training

The requirement

What Tennessee requires

Tennessee Code Annotated 56-53-111 requires every insurer with direct written premiums over $10,000,000 to keep an anti-fraud plan. Section 56-47-112, part of the Workers' Compensation Fraud Act, requires workers compensation insurers to submit a plan to the Department of Commerce and Insurance, with no premium threshold. Viatical settlement providers and brokers have a similar duty under 56-50-114.

Both plan sections require procedures to educate appropriate employees on fraud detection and on the insurer's anti-fraud plan, along with procedures to prevent, detect and investigate fraud, use fraud investigators, report fraud and pursue restitution.

The statutes set no training hours, frequency or new-hire deadline. The Commissioner may review plans and ask for a summary of anti-fraud activities, and penalties can reach $500 a day.

• Insurers over $10 million in direct written premium
• All workers compensation insurers
• Educate appropriate employees on fraud detection and the plan

Sources, checked October 2026

• Tennessee Code 56-53-111 (FindLaw copy of the official code) (unofficial copy)
• Tennessee Code 56-47-112 (FindLaw copy of the official code) (unofficial copy)

How NATG helps

Meet the Tennessee mandate with one program

• Annual and new-hire anti-fraud courses in versions for each line of business and department
• Online, or instructor-led at your location
• Completion records, certificates and reports for your fraud plan and examiners
• One program for every state you write in, tracked in one place

NATG specializes in insurance fraud and investigations. Our compliance courses are built around the detection, referral and reporting duties in state fraud plans.