Tennessee Code Title 56. Insurance § 56-16-102

(1) “Reciprocal” means the aggregation of subscribers under a common name; and

(2) “Reciprocal insurance” means insurance resulting from the mutual exchange of insurance contracts among persons in an unincorporated association under a common name through an attorney-in-fact having authority to obligate each person both as insured and insurer.

(1) “Attorney” means the person designated and authorized by subscribers as the attorney-in-fact having authority to obligate them on reciprocal insurance contracts;

(2) “Commissioner” means the commissioner of commerce and insurance;

(3) “Department” means the department of commerce and insurance;

(5) “Subscriber” means a person obligated under a reciprocal insurance agreement.