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NYAIP Manual
The New York Automobile Insurance Plan (NYAIP) is the central mechanism established pursuant to Article 53 of New York Insurance Law to provide auto liability and physical damage coverages to insureds unable to obtain such insurance in the voluntary market. All insurers writing auto insurance in New York State must participate in the NYAIP. The NYAIP operates pursuant to rules contained in its Plan of Operations. Amendments to these rules are made by the 22 member Governing Committee, subject to the approval of the Superintendent of Financial Services, who may also direct amendments to the Plan of Operations. For the most current NYAIP Manual and the latest Important Notices issued, visit the NYAIP website regularly.
Regulation 79 Statement Waivers and Plan of Operation Filings
Effective May 15, 2024, insurers may waive the requirement to inspect some or all automobiles prior to providing auto physical damage coverage. An insurer must submit a statement waiving its right to inspections for ALL automobiles prior to implementation. If waiving the right to inspections for only SOME automobiles, a revised plan of operation that specifies the automobiles subject to inspection and the automobiles for which the insurer is waiving the inspection must be filed prior to implementation.
All Reg 79 submissions should be submitted in PDF format via email to [email protected].
The Department does NOT accept these submissions in any other way including via SERFF or regular mail.
Regulation 41
Workers' Compensation
- Worker's Comp Loss Cost Multipliers and Expense Constants currently in use as of April 17, 2026 (PDF)
- Circular Letter No. 6 (2008)
Supplemental Spousal Liability Insurance
Prior to March 26, 2025 Insurance Law § 3420(g) required an insurer issuing or delivering a policy that satisfies Vehicle and Traffic Law (VTL) Article 6 to provide supplemental spousal liability (SSL) insurance, unless the named insured declines SSL insurance in writing. Learn more about how Supplemental Spousal Liability Insurance has changed, and access the Declination form.
Common Forms
Unless otherwise noted, the resources below are in PDF format.
- Resolution Regarding Untrustworthy And Change In Plan Of Operations Commitments - Applicant
- Resolution Regarding Untrustworthy And Change In Plan Of Operations Commitments - Parent
- Resolution Regarding Limitation on Writing Commitment - Applicant
- Resolution Regarding Limitation on Writing Commitment - Parent
- Resolution Regarding Shareholder Dividends Commitment - Applicant
- Resolution Regarding Shareholder Dividends Commitment - Parent
- Resolution Pursuant to Section 1106 of New York Insurance Law - Foreign Company
- Custodian Agreement Conforming with Section 1314 of New York Insurance Law - Domestic Applicant
Selected Statutes, Regulations, and Circular Letters
Selected statutes, regulations, and circular letters referenced in Compliance Questionnaires and Review Standards Checklists for certain Property and Casualty Insurance Products.
Medical Malpractice Insurance Providers
Regulation No. 170 established the New York Medical Malpractice Insurance Plan (MMIP) to provide for the equitable distribution of eligible health care providers and facilities unable to obtain insurance in the voluntary market to authorized medical malpractice insurers. Medical providers and facilities needing insurance, should first contact the insurers writing this coverage in the voluntary market. Individuals and facilities unable to obtain medical malpractice insurance in the voluntary market, and who have been declined by at least three insurers (or the number writing the coverage if less than three) may contact the MMIP at (212) 576-9687.
Publicly Available Property & Casualty Rate, Rule, and Form Filings
The Department makes certain Property/Casualty rate and form filings available for public viewing online via the NAIC SERFF State Filing Access website. You may also obtain access to filings by submitting a Freedom of Information Law (FOIL) request to DFS.
Note: It is possible a filing has been substantively or editorially updated by a subsequent filing. Always search for the most recent version of the filing. DFS is not responsible for any errors in or omissions from the filings.