Tennessee Code Title 56. Insurance § 56-41-103

(1) Give consideration to the need for adequate and readily accessible coverage, to alternative methods of improving the market affected, to the preferences of insurers and agents, to the inherent limitations of the insurance mechanism, to the need for reasonable underwriting standards, and to the requirement of reasonable loss prevention measures;

(2) Establish procedures that will create minimum interference with voluntary markets;

(3) Spread the burden imposed by the association equitably and efficiently within the insurance industry; and

(4) Establish procedures for applicants and participants to have grievances reviewed by an impartial body.