Statutes, Regulations and Circular Letters for Property & Casualty Lines
The tables contain listings of statutes, department regulations, and circular letters referenced in Compliance Questionnaires and Review Standards Checklists for certain Property and Casualty Insurance Products.
New York Insurance Law (Statutes)
- The complete New York State statutes are available on the New York State Legislature Laws of New York website.
|
Section # |
Title |
|---|---|
| §107 |
Definitions of terms of general use in this chapter |
| §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 became effective November 15, 2011. |
| §6503 |
Limitations |
| §6905 |
Policy forms and rates |
| §6909 |
Relationship to security fund |
| §9110 |
Motor vehicle law enforcement fee |
Insurance Regulations
The online version of the New York Codes, Rules and Regulations (NYCRR) is available online.
|
Regulation # |
Title |
|---|---|
|
11NYCRR13 (Regulation 58) |
Mass Merchandising of Personal Property-Liability Insurance |
|
11NYCRR16 (Regulation 86) |
Special Risk Insurance |
|
11NYCRR60-1 (Regulation 35-A) |
Minimum Provisions for Automobile Liability Insurance Policies |
|
11NYCRR60-2 (Regulation 35-D) |
Supplementary Uninsured Motorists Insurance |
|
11NYCRR 64 (Regulation 35-B) |
Liability Insurance Covering All Terrain Vehicles |
|
11NYCRR64-2 (Regulation 35-C) |
Liability Insurance Covering Snowmobiles |
|
11NYCRR65 (Regulation 68) |
Regulations Implementing the Comprehensive Automobile Insurance Reparations Act |
|
11NYCRR66 (Regulation 76) |
Surety Bonds Forms - Waiver of the Filing and Prior Approval Requirements of Article VII of the Insurance Law |
|
11NYCRR67 (Regulation 79) |
Mandatory Underwriting Inspections Requirements for Private Passenger Automobiles |
|
11NYCRR70 (Regulation 101) |
Medical Malpractice Insurance Rate Modifications, Provisional Rates, Required Policy Provisions and Availability of Additional Coverages |
|
11NYCRR71 (Regulation 107) |
Legal Defense Costs in Liability Policies |
|
11NYCRR72 (Regulation 110) |
Indemnification of Directors & Officers |
|
11NYCRR73 (Regulation 121) |
Claims-Made Policies for Other Than Physicians and Surgeons |
|
11 NYCRR 74.0 (Regulation 159) |
Homeowner's Insurance Disclosure Information |
|
11NYCRR86 (Regulation 95) |
Reports of Suspected Insurance Frauds to Insurance Frauds Bureau; Required Warning Statements |
|
11NYCRR152 (Regulation 124) |
Physicians and Surgeons Professional Insurance Merit Rating Plan; Risk Management Credits |
|
11NYCRR153 (Regulation 135) |
Property/Casualty Insurance Group and Quasi-Group Standards |
|
11NYCRR154 (Regulation 150) |
Private Passenger Motor Vehicle Insurance Multi-Tier Programs |
|
11NYCRR160 (Regulation 57) |
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 |
|
11NYCRR161 (Regulation 129) |
Flexible-Rating System; Rating Plans; Tort Reform Refiling Requirements |
|
11NYCRR163 (Regulation 153) |
Flexible rating for nonbusiness automobile insurance policies |
|
11NYCRR169 (Regulation 100) |
Non-Commercial Private Passenger Automobile Insurance Merit Rating Plan |
|
11NYCRR186 (Regulation 27-B) |
Insurance-Covering (a) Debtors or (b) Personal Property Purchased on Installment or Deferred Payment Plans |
|
11NYCRR216 (Regulation 64) |
Unfair Claims Settlement Practices and Claim Cost Control Measures |
|
11NYCRR262 (Regulation162) |
Legal Services Insurance |
|
11NYCRR310 (Regulation 167) |
Product or System Group Insurance Policies |
|
11NYCRR301 (Regulation 134) |
Purchasing Groups |
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 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 |
| Insurance Coverage for Discrimination Claims based upon Disparate Impact & Vicarious Liability | |
| CL 13 (1994) |
Excess Workers' Comp. Insurance polices for Self-Insured Employers |
| CL 18 (1994) |
Flood Insurance Notice Required by NYIL §3444 |
| CL 14 (1995) |
Force-Placed Insurance |
|
Implementation of chapter 305 of laws of 1995 increasing required minimum limits of liability for motor vehicle insurance |
|
| Supplement No. 2 to CL 15 (1995) |
Implementation of chapter 305 of 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/personal injury protection for public autos subject to the rules of the NYC TLC |
| 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 |