republic-os/legislation/us/states/tn/111/sb-645.md

---
type: "Bill"
title: "Insurance Companies, Agents, Brokers, Policies - As enacted, revises various provisions governing insurance and bona fide associations. - Amends TCA Title 56."
description: "Insurance Companies, Agents, Brokers, Policies - As enacted, revises various provisions governing insurance and bona fide associations. - Amends TCA Title 56."
jurisdiction: "us/states/tn"
legislature: "Tennessee General Assembly"
session: "111"
identifier: "SB 645"
citation: "Tennessee SB 645 (111)"
classification: ["bill"]
subjects: ["Insurance Companies", "Agents", "Brokers", "Policies"]
status: "enacted"
primary_sponsors: ["Curcio", "Roberts"]
version_count: 4
action_count: 56
vote_count: 10
first_action: "2019-02-05"
last_action: "2020-02-19"
source: "openstates"
source_identifier: "ocd-bill/90b894ee-6f48-47b6-8e8b-e030c681eb46"
source_url: "http://wapp.capitol.tn.gov/apps/BillInfo/default.aspx?BillNumber=SB0645&GA=111"
source_hash: "56eb9cab68639cfa8dd504ed172e6dc29fd01b10dc78596bed796470592f8526"
vintage: "2026-07-01"
source_snapshot: "https://data.openstates.org/daily/2026-07-01/public.pgdump"
retrieved_at: "2026-07-06"
confidence: "reported"
tags: ["legislation", "bill", "us-tn"]
---

# Tennessee SB 645 (111) — Insurance Companies, Agents, Brokers, Policies - As enacted, revises various provisions governing insurance and bona fide associations. - Amends TCA Title 56.

## Version chain

The bill's text revisions, in order — the diff chain from filing to enrollment.

1. **Amendment HA0097** (committee substitute) — [source](http://www.capitol.tn.gov/Bills/111/Amend/HA0097.pdf)
2. **Amendment SA0175** (committee substitute) — [source](http://www.capitol.tn.gov/Bills/111/Amend/SA0175.pdf)
3. **Amendment SA0471** (committee substitute) — [source](http://www.capitol.tn.gov/Bills/111/Amend/SA0471.pdf)
4. **Current Version** (committee substitute) — [source](http://www.capitol.tn.gov/Bills/111/Bill/SB0645.pdf)

## Votes

- FLOOR VOTE: REGULAR CALENDAR AS AMENDED PASSAGE ON THIRD CONSIDERATION 4/22/2019 Passed (1) — **93–0** (pass) · lower
- FLOOR VOTE: MESSAGE CALENDAR CONCUR IN SENATE AMENDMENT # 2 1/30/2020 Passed — **89–3** (pass) · lower
- HOUSE LIFE & HEALTH INSURANCE SUBCOMMITTEE: Rec for pass if am by s/c ref. to Insurance Committee 3/13/2019 — **0–0** (fail) · lower
- HOUSE FINANCE, WAYS, AND MEANS COMMITTEE: Rec. for pass; ref to Calendar & Rules Committee 4/17/2019 (3) — **0–0** (pass) · lower
- HOUSE INSURANCE: Rec. for pass. if am., ref. to Government Operations Committee 3/19/2019 — **0–0** (pass) · lower
- HOUSE CALENDAR & RULES COMMITTEE: H. Placed on Regular Calendar for 4/22/2019 4/18/2019 (2) — **0–0** (fail) · lower
- HOUSE GOVERNMENT OPERATIONS COMMITTEE: Rec. for pass. if am., ref. to Finance, Ways, and Means Committee 3/25/2019 — **0–0** (pass) · lower
- SENATE COMMERCE AND LABOR COMMITTEE: Recommended for passage with amendment/s, refer to Senate Calendar Committee Voice Vote Ayes 7, Nays 0 PNV 0 1/21/2020 — **0–0** (pass) · upper
- FLOOR VOTE: as Amended Third Consideration 1/27/2020 Passed — **25–5** (pass) · upper
- HOUSE FINANCE, WAYS, AND MEANS SUBCOMMITTEE: Rec. for pass by s/c ref. to Finance, Ways, and Means Committee 4/3/2019 (4) — **0–0** (pass) · lower

## Sponsors

- Curcio — primary (person)
- Roberts — primary (person)

## Timeline

The legislative action history — every referral, reading, and vote.

- **2019-02-05** Filed for introduction `reading-1, introduction`
- **2019-02-05** Filed for introduction `reading-1, introduction`
- **2019-02-06** Introduced, Passed on First Consideration `introduction`
- **2019-02-06** Intro., P1C. `introduction`
- **2019-02-07** Passed on Second Consideration, refer to Senate Commerce and Labor Committee
- **2019-02-07** P2C, caption bill, held on desk - pending amdt.
- **2019-03-06** Placed on s/c cal Life & Health Insurance Subcommittee for 3/13/2019
- **2019-03-06** Assigned to s/c Life & Health Insurance Subcommittee `referral-committee`
- **2019-03-06** Ref. to Insurance Committee-- Government Operations for Review `referral-committee`
- **2019-03-13** Placed on cal. Insurance Committee for 3/19/2019
- **2019-03-13** Rec for pass if am by s/c ref. to Insurance Committee `referral-committee`
- **2019-03-19** Placed on Senate Commerce and Labor Committee calendar for 3/26/2019
- **2019-03-19** Rec. for pass. if am., ref. to Government Operations Committee `committee-passage-favorable`
- **2019-03-20** Placed on cal. Government Operations Committee for 3/25/2019
- **2019-03-25** Rec. for pass; ref to Finance, Ways, and Means Committee `committee-passage-favorable`
- **2019-03-26** Placed on Senate Commerce and Labor Committee calendar for 4/2/2019
- **2019-03-26** Action deferred in Senate Commerce and Labor Committee to 4/2/2019
- **2019-03-27** Placed on s/c cal Finance, Ways, and Means Subcommittee for 4/3/2019
- **2019-03-27** Assigned to s/c Finance, Ways, and Means Subcommittee `referral-committee`
- **2019-04-02** Action deferred in Senate Commerce and Labor Committee to 4/9/2019
- **2019-04-03** Placed on Senate Commerce and Labor Committee calendar for 4/9/2019
- **2019-04-03** Placed on cal. Finance, Ways, and Means Committee for 4/9/2019
- **2019-04-03** Rec. for pass by s/c ref. to Finance, Ways, and Means Committee `committee-passage-favorable`
- **2019-04-09** Action deferred in Senate Commerce and Labor Committee to 4/16/2019
- **2019-04-09** Action def. in Finance, Ways, and Means Committee to 4/16/2019
- **2019-04-10** Placed on Senate Commerce and Labor Committee calendar for 4/16/2019
- **2019-04-10** Placed on cal. Finance, Ways, and Means Committee for 4/17/2019
- **2019-04-16** Action deferred in Senate Commerce and Labor Committee to 2020
- **2019-04-17** Placed on cal. Calendar & Rules Committee for 4/18/2019
- **2019-04-17** Rec. for pass; ref to Calendar & Rules Committee `committee-passage-favorable`
- **2019-04-17** Taken off notice for cal. in Finance, Ways, and Means Committee
- **2019-04-18** H. Placed on Regular Calendar for 4/22/2019
- **2019-04-22** Passed H., as am., Ayes 93, Nays 0, PNV 1 `passage`
- **2019-04-22** H. adopted am. (Amendment 1 - HA0097) `amendment-passage`
- **2019-04-23** Engrossed; ready for transmission to Sen.
- **2019-04-24** Received from House, Passed on First Consideration `introduction`
- **2020-01-08** Placed on Senate Commerce and Labor Committee calendar for 1/14/2020
- **2020-01-14** Action deferred in Senate Commerce and Labor Committee to 1/21/2020
- **2020-01-15** Placed on Senate Commerce and Labor Committee calendar for 1/21/2020
- **2020-01-21** Recommended for passage with amendment/s, refer to Senate Calendar Committee, Ayes 7, Nays 0 PNV 0
- **2020-01-23** Placed on Senate Regular Calendar for 1/27/2020
- **2020-01-27** Companion House Bill substituted
- **2020-01-27** Passed Senate as amended, Ayes 24, Nays 5 `passage`
- **2020-01-27** Senate adopted Amendment (Amendment 2 - SA0471)
- **2020-01-27** Amendment withdrawn. (Amendment 1 - SA0175)
- **2020-01-27** Senate substituted House Bill for companion Senate Bill.
- **2020-01-29** H. Placed on Message Calendar for 1-30-2020
- **2020-01-30** Enrolled; ready for sig. of H. Speaker.
- **2020-01-30** H. concurred in S. am. no. 2 Ayes 89, Nays 3 PNV 0 HB0874
- **2020-02-03** Signed by H. Speaker
- **2020-02-05** Signed by Senate Speaker
- **2020-02-06** Transmitted to Governor for his action. `executive-receipt`
- **2020-02-14** Signed by Governor. `executive-signature`
- **2020-02-19** Comp. became Pub. Ch. 515
- **2020-02-19** Pub. Ch. 515
- **2020-02-19** Effective date(s) 07/01/2020

## Source

OpenStates / OpenCivicData bulk snapshot [2026-07-01](https://data.openstates.org/daily/2026-07-01/public.pgdump); origin `ocd-bill/90b894ee-6f48-47b6-8e8b-e030c681eb46`. Confidence: reported (aggregated from official Tennessee legislature records).