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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.

For recent DFS activity, please visit our Legal landing page.

New York Insurance Law (Statutes)

The following table contains listings linking to documents in PDF format.

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

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

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Circular Letters

Circular Letter (CL) NumbersTitle
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

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