Tort Liability and Reform - As enacted, clarifies that any governmental entity may purchase any of the insurance authorized under state law, without the necessity of public bidding, as required by any public or private act or charter restriction, if such insurance is purchased through a plan authorized and approved by any organization of cities, counties, or other governmental entities as contemplated by state law. - Amends TCA Title 12; Title 12, Chapter 3 and Title 29.

HB 763 clarifies that Tennessee cities, counties, and other local governments can purchase certain insurance through approved plans without needing public bidding, removing a prior requirement under state law. The bill amends Tennessee Code to replace restrictive language about "governmental entities representing cities and counties" with broader authorization for all such entities. This change directly affects all local governments buying insurance via state-approved plans, streamlining their procurement process. The law, enacted as Chapter 260 in 2025, removes administrative barriers but does not alter insurance coverage or costs.