Tuscarora Wayne Insurance Company is entering the Tennessee commercial property market with its first filing for commercial lines, including both package and monoline policies.

The insurer is adopting Keystone National’s rules, rates, and forms, while replacing ISO’s terrorism loss costs and premium computation rules with AAIS methodology. Minimum premium rules have also been updated.

The filing shows no active policyholders or written premium and reflects no rate impact, though a total loss cost multiplier of 1.954 is specified. Key parties include Keystone National as the source of adopted materials, ISO whose methodologies are being replaced, AAIS for terrorism coverage, and Hartford Steam Boiler, referenced in an endorsement copyright. ISO rules are effective March 15, 2025, and the SERFF pipeline was generated on July 30, 2025.