TN HB2345

Faith-based organizations (churches, synagogues, mosques, and religious 501(c)(3) nonprofits) that own or lease vehicles receive automatic state-backed secondary liability coverage when vehicles are used for community services like healthcare transportation, food delivery, disability assistance, elder care, or social services

Coverage is administered through the state risk management fund with minimums of $1,000,000 for bodily injury and $250,000 for property damage per occurrence

Faith-based organizations, clergy, and board members are shielded from liability for vehicle-related injuries during community service use unless harm resulted from gross negligence or willful/reckless misconduct

Private insurers are prohibited from denying coverage, excluding charitable use, or raising premiums solely because a faith-based organization uses vehicles for community service transportation

Effective July 1, 2026, applying to policies issued, renewed, or amended on or after that date