§ 3426. Commercial lines insurance; cancellation and renewal provisions. (a) Definitions. As used in this section: (1) “Covered policy” means, for purposes of this section, a policy of commercial risk insurance, professional liability insurance or public entity insurance, and shall include any contract, certificate or other evidence of such insurance. (2) “Required policy period” means […]
§ 3427. Gap insurance; cancellation, renewal and other provisions. (a) Definitions. As used in this section: (1) “Covered policy” means, for purposes of this section, a policy or contract of gap insurance, issued or issued for delivery in this state, on a risk located or resident in this state. (2) “Nonpayment of premium” means the […]
§ 3428. Cancellation of insurance contracts; return premiums; financed insurance premiums. (a) Except as provided in subsection (e) of this section, whenever an insurance contract made or issued in this state is cancelled or otherwise terminated by the insured before the expiration thereof in accordance with the terms of such contract, the earned premium to […]
§ 3429. Geographical location of risks; fire, fire and extended coverage policies; private passenger automobile insurance policies. (a) No insurer shall refuse to issue or renew or shall cancel a policy of: (1) fire insurance or fire and extended coverage insurance, or (2) automobile insurance subject to section three thousand four hundred twenty-five of this […]
§ 3429-a. Geographical location of risks in area serviced by a volunteer fire department; fire, fire and extended coverage policies. (a) No insurer shall refuse to issue or renew or shall cancel a homeowner’s insurance policy including fire insurance or fire and extended coverage insurance based solely on the insured residing in an area that […]
§ 3430. Right of insured, agent or broker aggrieved on basis of geographical location of property or risks. (a) An insured aggrieved by an inability to obtain: (1) homeowner’s insurance, including fire insurance or fire and extended coverage insurance, other than from the New York property insurance underwriting association, or (2) automobile insurance subject to […]
§ 3431. Immunity; insurers’ reports to insureds, to applicants for insurance and to terminated agents or brokers. (a) In any written notice of: (1) refusal to issue, (2) cancellation, (3) reduction of limits, (4) substitution of policy form, (5) elimination of coverages, (6) conditioned renewal, (7) non-renewal, or (8) termination or refusal to renew a […]
§ 3432. Immunity; reports to certain public officials and to designated organizations. (a) In the absence of fraud or bad faith, there shall be no liability on the part of, and no cause of action of any nature shall arise against, an insurer or a hospital or any person acting on their behalf, with respect […]
§ 3433. Termination of contracts or accounts of licensed agents or brokers; prohibition; geographical location. (a) No insurer shall terminate or refuse to renew a contract or account of a licensed agent or broker who negotiated policies of: (1) fire insurance or fire and extended coverage insurance or (2) automobile insurance subject to section three […]
§ 3434. Motor vehicle insurance policies; disabled persons; prohibitions against cancelling, refusing to issue or renew policies. Insurers shall be prohibited from cancelling or refusing to issue or renew a motor vehicle insurance policy to any person with a disability, as defined in subdivision twenty-one of section two hundred ninety-two of the executive law, unless […]
§ 3435. Group property/casualty insurance. (a) This section shall apply to public entities as defined in section one hundred seven of this chapter, organizations described by section 501(c)(3) of the United States internal revenue code, charitable corporations as defined in paragraph (a) of section one hundred two (Definitions) of the not-for-profit corporation law and formed […]
§ 3435-a. Motor vehicle insurance policies; New York state licensed drivers; prohibitions against refusing to issue policies or renew policies. (a) Insurers shall be prohibited from refusing to issue a motor vehicle liability insurance policy to any person with a valid New York state driver’s license which has been maintained by such person for at […]
* § 3436. Medical malpractice insurance; type of coverage. (a) Every insurer which issues or renews policies for primary levels of medical malpractice insurance covering physicians licensed to practice in this state shall issue such policies on a claims-made or occurrence basis, as prescribed by the superintendent by regulation; provided, further, that nothing in this […]
§ 3436-a. Adverse action against legal reproductive health care or gender-affirming care. (a) Every insurer that issues or renews medical malpractice insurance covering a health care provider licensed to practice in this state shall be prohibited from taking any adverse action against a health care provider solely on the basis that the health care provider […]
* § 3436. Group credit unemployment insurance and individual credit unemployment insurance. (a) Any policy of credit unemployment insurance which covers more than one person shall be deemed a group credit unemployment policy. (b) No policy of group credit unemployment insurance, and no certificate thereunder, shall be delivered or issued for delivery in this state […]
§ 3439. Reinsurance contracts excepted. The provisions of this article shall not apply to contracts of reinsurance, except as otherwise provided by law.
§ 3440. Insurance covering private passenger motor vehicles; rental vehicle coverage. (a) For the purposes of this section, a “private passenger motor vehicle” is a motor vehicle: (1) of the private passenger or station wagon type that is owned or hired by an individual or by husband and wife under a long-term contract and is […]
§ 3442. Credit card, debit card, or checking account group policies. (a) For purposes of this section, unless the context requires otherwise: (1) “Account group member” means a person: (A) to whom a credit card account or debit card account is issued by a sponsor or who has agreed with the sponsor to pay obligations […]
§ 3443. Workers’ compensation and employers’ liability insurance; optional policyholder deductibles. An insurer issuing a workers’ compensation and employers’ liability insurance policy, and a group self-insurer for municipal corporations as defined in subdivision three-a of section fifty of the workers’ compensation law, may offer, as part of the policy or by endorsement, deductibles optional to […]
§ 3444. Flood insurance notice. 1. Insurers shall provide to their homeowners and dwelling fire personal lines insureds an annual notice prescribed or approved by the superintendent, explaining clearly and in plain language that: (a) such policies do not provide coverage for loss caused by mudslide or flood; and (b) insurance is available under separate […]
