As used in this chapter:

(1) “Aggregator site” means a website that provides access to information regarding insurance products from more than one (1) insurer, including product and insurer information, for use in comparison shopping;
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Terms Used In Tennessee Code 56-33-102

  • Commissioner: means the commissioner of commerce and insurance, or the commissioner's designee. See Tennessee Code 56-33-102
  • Contract: A legal written agreement that becomes binding when signed.
  • Department: means the department of commerce and insurance. See Tennessee Code 56-1-102
  • Eligible group: means two (2) or more persons who are engaged in a common enterprise, or have an economic, educational, or social affinity or relationship, including:
    (A) A person engaged in the business of providing travel or travel services, including:
    (i) Tour operators. See Tennessee Code 56-33-102
  • Employer: means a person that employs one (1) or more employees within this state. See Tennessee Code 56-33-102
  • Person: means a business entity or a natural person. See Tennessee Code 56-33-102
  • Property: includes both personal and real property. See Tennessee Code 1-3-105
  • State: when applied to the different parts of the United States, includes the District of Columbia and the several territories of the United States. See Tennessee Code 1-3-105
  • Trustee: A person or institution holding and administering property in trust.
(2) “Blanket travel insurance” means a policy of travel insurance issued to an eligible group providing coverage for specific classes of persons defined in the policy with coverage provided to all members of the eligible group without a separate charge to individual members of the eligible group;
(3) “Cancellation fee waiver” means a contractual agreement between a supplier of travel services and its customer to waive some or all of the non-refundable cancellation fee provisions of the supplier’s underlying travel contract with or without regard to the reason for the cancellation or form of reimbursement;
(4) “Commissioner” means the commissioner of commerce and insurance, or the commissioner’s designee;
(5) “Eligible group” means two (2) or more persons who are engaged in a common enterprise, or have an economic, educational, or social affinity or relationship, including:

(A) A person engaged in the business of providing travel or travel services, including:

(i) Tour operators;
(ii) Lodging providers;
(iii) Vacation property owners;
(iv) Hotels;
(v) Resorts;
(vi) Travel clubs;
(vii) Travel agencies;
(viii) Property managers;
(ix) Cultural exchange programs; or
(x) Common carriers or the operator, owner, or lessor of a means of transportation of passengers, including airlines, cruise lines, railroads, steamship companies, or public bus carriers, where with regard to a particular travel or type of travel or type of traveler or travelers, all members or customers of the group have a common exposure to risk attendant to that travel;
(B) An institute of higher education, school, or other institution of learning, covering students, teachers, employees, or volunteers;
(C) An employer covering a group of employees, volunteers, contractors, board of directors, dependents, or guests;
(D) A sports team, camp, or sponsor thereof, covering participants, members, campers, employees, officials, supervisors, or volunteers;
(E) A religious, charitable, recreational, educational, or civic organization, or branch thereof, covering a group of members, participants, or volunteers;
(F) A financial institution or financial institution vendor, or parent holding company, trustee, or agent of or designated by one (1) or more financial institutions or financial institution vendors, including accountholders, credit card holders, debtors, guarantors, or purchasers;
(G) An incorporated or unincorporated association, including labor unions, with a common interest, constitution and bylaws, and organized and maintained in good faith for purposes other than obtaining insurance for members or participants of the association covering its members;
(H) A trust or the trustees of a fund established, created, or maintained for the benefit of and covering members, employees, or customers, subject to:

(i) The commissioner permitting the use of a trust; and
(ii) The state‘s premium tax provisions in § 56-4-205 of one (1) or more associations meeting the requirements of subdivision (5)(G);
(I) An entertainment production company covering a group of participants, volunteers, audience members, contestants, or workers;
(J) A volunteer fire department, ambulance, rescue, police, court, or a first aid, civil defense, or another volunteer group;
(K) A preschool, daycare institution for children or adults, or a senior citizen club;
(L) An automobile or truck rental or leasing company:

(i) Covering a group of individuals who may become renters, lessees, or passengers defined by their travel status on the rented or leased vehicles; and
(ii) For whom the common carrier, operator, owner, or lessor of a means of transportation, or the automobile or truck rental or leasing company, is the policyholder under a policy to which this chapter applies; or
(M) Another group where the commissioner has determined that the members are engaged in a common enterprise or have an economic, educational, or social affinity or relationship, and that issuance of the policy would not be contrary to the public interest;
(6) “Employer” means a person that employs one (1) or more employees within this state;
(7) “Fulfillment materials” means documentation sent to the purchaser of a travel protection plan confirming the purchase and providing the travel protection plan’s coverage and assistance details;
(8) “Group travel insurance” means travel insurance issued to an eligible group;
(9) “Person” means a business entity or a natural person;
(10) “Travel assistance services”:

(A) Means services for which the consumer is not indemnified based on a fortuitous event, and where providing the service does not result in transfer or shifting of risk that would constitute the business of insurance; and
(B) Include:

(i) Security advisories;
(ii) Destination information;
(iii) Vaccination and immunization information services;
(iv) Travel reservation services;
(v) Entertainment;
(vi) Activity and event planning;
(vii) Translation assistance;
(viii) Emergency messaging;
(ix) International legal and medical referrals;
(x) Medical case monitoring;
(xi) Coordination of transportation arrangements;
(xii) Emergency cash transfer assistance;
(xiii) Medical prescription replacement assistance;
(xiv) Passport and travel document replacement assistance;
(xv) Lost luggage assistance;
(xvi) Concierge services; or
(xvii) Another service that is furnished in connection with planned travel; and
(11) “Travel protection plans” means plans that provide at least one (1) of the following:

(A) Travel insurance;
(B) Travel assistance services; or
(C) Cancellation fee waivers.
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