Statutes, Regulations and Circular Letters for Property & Casualty Lines
The following tables contain links to statutes, department regulations, and circular letters referenced in Compliance Questionnaires and in Departmental Review Standards Checklists for certain Property and Casualty Insurance Products.
These listings are provide for your informaton.
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New York Insurance Law (Statutes)
The following table contains listings that link to PDF documents.
| Section # | Title |
|---|---|
| §107 | Definitions of terms of general use in this chapter |
| Updated! §403 | Prohibitions |
| §1101 | Definitions; doing an insurance business |
| §1113 | Kinds of insurance authorized |
| §1116 | Prepaid legal services plans and legal services insurance |
| §2303 | Standards for rates |
| §2304 | Rate making and supporting information |
| §2305 | Rates or rating plan; no prior approval; prior approval |
| §2306 | Delegation of rate filing obligation |
| §2307 | Rating classification or territories; policy forms |
| §2309 | Excess Rate |
| §2310 | Informational filings |
| §2328 | Certain motor vehicle insurance rates; prior approval |
| §2330 | No fault motor vehicle insurance rates; reflection of reduced exposure to loss |
| §2335 | Motor vehicle liability insurance rates;prohibition of surcharges for certain traffic infractions |
| §2336 | Motor vehicles liability, comprehensive and collision insurance rates; premium reductions in certain cases |
| §2336-a | Snowmobile liability insurance rates; premium reductions in certain cases |
| §2343 | Medical malpractice insurance rates; special additional provisions regarding such rates |
| §2344 | Flexible rate limitations in problem markets |
| §2345 | Disclosure of premium reductions and surcharges |
| §2349 | Multi-tier program |
| §2350 | Flexible rating for nonbusiness automobile insurance policies |
| §2351 | Homeowners' insurance policies |
| §2601 | Unfair claim settlement practices; penalties. |
| §2606 | Discrimination because of race, color, creed, national origin, or disability |
| §2607 | Discrimination because of sex or marital status |
| §2608 | Discrimination because of treatment for a mental disability |
| §2609 | Discrimination in the issuance of performance or surety bonds |
| §2610 | Collision or comprehensive coverage on motor vehicles; claims; repairs |
| §3102 | Requirements for the use of readable and understandable insurance policies |
| §3105 | Representations by the insured |
| §3106 | Warranty defined; effect of breach |
| §3404 | Fire Insurance contracts; standard policy provisions; permissible variations |
| §3407 | Property insurance; proof of loss; notice of loss |
| §3407-a | Property/casualty insurance contract and policy standard provisions |
| §3408 | Fire insurance; appraisal of loss; procedure for selection of umpire on failure to agree |
| §3411 | Automobile physical damage insurance covering private passenger automobiles; standard provisions; required inspections, duties of insurer and insureds |
| §3412 | Automobile physical damage insurance covering private passenger automobiles; salvage; total losses; thefts; duties of insurers |
| §3420 | Liability insurance; standard provisions; right of injured person |
| §3425 | Certain property/casualty insurance policies; cancellation and renewal provisions; agents' contracts and brokers' account |
| §3426 | Commercial lines insurance; cancellation and renewal provisions |
| §3427 | Gap insurance; cancellation, renewal and other provisions |
| §3435 | Group property/casualty insurance |
| §3440 | Insurance covering private passenger motor vehicles;rental vehicle coverage |
| §3442 | Credit card, debit card, or checking account group policies |
| §3443 | Workers' compensation and employers' liability insurance;optional policyholder deductibles |
| §3444 | Flood insurance notice |
| §3445 | Windstorm insurance notice |
| §3446 | Product or System group insurance policies |
| §4106 | Stock companies;participating policies |
| Article 63 | SPECIAL RISKS; FILING EXEMPTION Article 63 was amended on August 17, 2011 and becomes effective November 15, 2011. |
| §6503 | Limitations |
| §6905 | Policy forms and rates |
| §6909 | Relationship to security fund |
| §9110 | Motor vehicle law enforcement fee |
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Insurance Regulations
Note: In the following table, with the exception of the Regulation 68 listing, all links lead to the NYCRR referenced at the top of this page.
The complete unofficial NYCRR is now available online at no cost.
The online NYCRR now includes a table of contents. In addition, to find desired text, visitors may simply enter a search term or NYCRR citation.
| Regulation # | Title |
|---|---|
Mass Merchandising of Personal Property-Liability Insurance | |
Special Risk Insurance | |
Minimum Provisions for Automobile Liability Insurance Policies | |
Supplementary Uninsured Motorists Insurance | |
Liability Insurance Covering All Terrain Vehicles | |
Liability Insurance Covering Snowmobiles | |
Regulations Implementing the Comprehensive Automobile Insurance Reparations Act | |
Surety Bonds Forms - Waiver of the Filing and Prior Approval Requirements of Article VII of the Insurance Law | |
Mandatory Underwriting Inspections Requirements for Private Passenger Automobiles | |
Medical Malpractice Insurance Rate Modifications, Provisional Rates, Required Policy Provisions and Availability of Additional Coverages | |
Legal Defense Costs in Liability Policies | |
Indemnification of Directors & Officers | |
Claims-Made Policies for Other Than Physicians and Surgeons | |
Homeowner's Insurance Disclosure Information | |
Reports of Suspected Insurance Frauds to Insurance Frauds Bureau; Required Warning Statements | |
Physicians and Surgeons Professional Insurance Merit Rating Plan; Risk Management Credits | |
Property/Casualty Insurance Group and Quasi-Group Standards | |
Private Passenger Motor Vehicle Insurance Multi-Tier Programs | |
To Interpret and Implement the Purposes and Provisions of the new Article VII-A of the Insurance Law, and to set forth the Responsibilities of Insurer Managements in the Construction and Application of Rates | |
Flexible-Rating System; Rating Plans; Tort Reform Refiling Requirements | |
Flexible rating for nonbusiness automobile insurance policies | |
Non-Commercial Private Passenger Automobile Insurance Merit Rating Plan | |
Insurance-Covering (a) Debtors or (b) Personal Property Purchased on Installment or Deferred Payment Plans | |
Unfair Claims Settlement Practices and Claim Cost Control Measures | |
Legal Services Insurance | |
Product or System Group Insurance Policies | |
Purchasing Groups |
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Circular Letters
| Circular Letter (CL) Numbers | Title |
|---|---|
| CL 1 (1980) | Statutory Revisions affecting cancellation, nonrenewal, conditional renewal of commercial risk, professional liability & public entity Interpretation and enforcement of new statutory provisions relating to cancellation, nonrenewal, conditional renewal and alternative renewal of commercial lines insurance policies |
| CL 14 (1986) | Interpretation and enforcement of new statutory provisions relating to cancellation, nonrenewal, conditional renewal and alternative renewal of commercial lines insurance policies |
| Supplement No 1 To CL 17 (1987) | Scope, pricing and rating of commercial umbrella policies -- workers' compensation and employers' liability coverages |
| CL 11 (1989) | Statutory revisions affecting cancellation, conditional renewal and nonrenewal of commercial risk, professional liability and public entity insurance policies in New York State |
| Supplement No 1 To CL 11 (1989) | Statutory Revisions affecting cancellation, conditional renewal and nonrenewal of commercial risk, professional liability and public entity insurance policies in NYS. |
| CL 11 (1992) | Policy Declarations - Page(s) Requirements |
| CL 19 (1992) | Prospective Loss Costs and New Reporting Forms |
| CL 13 (1994) | Excess Workers' Comp. Insurance polices for Self-Insured Employers |
| CL 18 (1994) | Flood Insurance Notice Required by NYIL §3444 |
| CL 6 (1994) | Insurance Coverage for Discrimination Claims based upon Disparate Impact & Vicarious Liability |
| CL 14 (1995) | Force-Placed Insurance |
Supplement No. 1 to CL 15 (1995) (in PDF format) | Implementation of chapter 305 of the laws of 1995 increasing the required minimum limits of liability for motor vehicle insurance |
| Supplement No. 2 to CL 15 (1995) | Implementation of chapter 305 of the laws of 1995 increasing the required minimum limits of liability for motor vehicle insurance |
| CL 4 (1996) | Individual Risk Reporting Forms |
| CL 18 (1997) | Workers' Compensation Policies-Credit For Managed Care Programs |
| CL 11 (1998) | Procedures for the Filing of Policy Forms, Rules and Rates |
| Supplement No 1 to CL 11 (1998) | Optional Procedures for Obtaining Acknowledgement of Filings |
| Supplement No 2 to CL 11 (1998) | Procedures for the Filing of Policy Forms, Rules and Rates |
| Supplement No 3 to CL 11 (1998) | Optional Procedures for the Filing of Policy Forms, Rules and Rates |
| Supplement No 4 to CL 11 (1998) | New Mandatory Rate Filing Sequence Checklist |
| CL 18 (1998) | Increased minimum limits for bodily injury liability and personal injury protection for public autos subject to the rules of the New York City Taxi and Limousine Commission |
| CL 22 (2000) | Marine & Inland Marine Insurance |
| CL 14 (2003) | Application of NYIL §2610(b) |
| Supplement No. 1 to CL 20 (2003) | Motor Vehicle Liability and Collision Insurance Premium Reduction For Completion of an Accident Prevention Course Pursuant to Section 2336(a) and (d) of the New York Insurance Law |
Updated 01/20/2012
