Insurance Companies, Agents, Brokers, Policies - As introduced, decreases from 30 to 21 days, the amount of time each insurer of personal risk insurance must file with the commissioner of commerce and insurance before the proposed effective date of all rates, supplementary rate information, supporting information, policy forms, and endorsements. - Amends TCA Title 4; Title 56 and Title 71.

HB 1076 shortens the deadline for Tennessee insurance companies to submit rate changes and policy details to the state insurance commissioner. It reduces the filing period from 30 to 21 days before proposed effective dates for all rates, policy forms, and endorsements. This change applies directly to insurers, agents, and brokers who must now file materials 9 days faster under Tennessee insurance laws (amending TCA Title 4, 56, and 71). The bill focuses solely on streamlining the submission process without altering the substance of insurance regulations.