Amends TCA Title 6, Chapter 54, Part 1; Title 13, Chapter 24, Part 1 and Title 56.

This bill requires that the rate and premium for each policy of commercial general liability and property insurance include a provision for appropriate reductions, as actuarially justified, but not to exceed 5 percent, for any operator of a sober living home that:<br /> <br /> (1) Is chartered under, affiliated with, or certified by a 501(c)(3) nonprofit organization:<br /> (A) That serves as an umbrella organization and organizes homes into chapters and is governed by a council and board of directors that maintain the sole right to charter, and revoke the charter of, a home; or<br /> (B) Located in this state that pre-screens new affiliates, requires affiliates to adhere to a code of ethics, and requires affiliates to make an annual contribution based on the number of recovery residences; and<br /> (2) Meets any other criteria of the commissioner of commerce and insurance for a premium credit.<br /> <br /> This bill authorizes the commissioner of commerce and insurance to promulgate rules in accordance with this bill and requires the commissioner to collaborate with the department of mental health and substance abuse services for purposes of adopting any such rules.<br /> <br /> This bill defines "sober living home" as any home in which eight or fewer unrelated persons with disabilities reside that provides alcohol-free or drug-free housing; promotes independent living, life skill development, and reintegration; and provides structured activities that are directed primarily toward a group of unrelated individuals who are recovering from drug or alcohol addiction and who may be receiving outpatient healthcare services for substance abuse or addiction treatment while living in the home.<br /> <br />