Cancellations, Non-Renewals & Conditional Renewals

Return to Answer Center

FAQs & DISCUSSIONS.

Conditional Renewal Decision Notice Tree
How To File a Complaint With the NYS Financial Services Department
Insurers, Get Your Act Together On Commercial Lines Renewals
Your Questions About ‘220 Letters’ Answered
Ask Tim, Episode #31: Conditional Renewal Notices

How many days notice is required for conditional renewal of a commercial umbrella policy?
Can an insurer change a policy to auditable on renewal without sending a conditional renewal notice?
Is an agent or broker obligated to send a conditional renewal notice to the insured if the insurer does not do it?
Can an insurer cancel a commercial lines policy mid-term because the insured did not follow loss control recommendations?
Can an insurer delete Business Income coverage mid-term because the insured did not submit a worksheet?
Can an Insurer Non-Renew a Business That’s in Chapter 11 Bankruptcy?
Can an Insurer Renew a Policy Short-Term Then Non-Renew?
Can a Carrier Issue a Renewal and Still Non-Renew the Policy?
Can an insurer Cancel a Policy Flat if the Insured Never Pays?
Insurance Carriers Do The Darndest Things!
Is That a Legal Reason to Non-Renew a Policy?
My Insured Started a New Business Mid-Term. Can the Insurer Exclude It?

Is it legal for a carrier to non-renew a Homeowners policy based on exposure to catastrophic losses?
When an insurance company refuses to write homeowners or other property insurance in coastal areas, doesn’t that violate the laws against redlining?
What is the law regarding conditional renewal notice sent out on Homeowners policies that will be renewing with increases?
Can An Insurer Cancel the Policy Because of a Backyard Shooting Range?
Split the Payments on a Package, Cancel the Coverages Separately?
Think a NY Insurer Can’t Void a Policy for Misrepresentation? Think Again.

What is a carrier required to do if it’s pulling out of a market?
What are an insurance carrier’s obligations for continuing policies when it terminates an agency?
What does a personal lines insurer have to do with remaining policies when it terminates an agency?


LAWS, REGULATIONS & LEGAL OPINIONS.

Ins. Law s 3425: Personal lines cancellation, nonrenewal and conditional renewal​
Ins. Law s 3426: Commercial lines insurance; cancellation and renewal provisions
Ins. Law S. 3427: Gap insurance; cancellation, renewal and other provisions
OGC Opinion: Broker Termination of Relationship with Insured
OGC Opinion: Grounds for Cancellation Under § 3425
OGC Opinion: Premium payment following cancellation notice
OGC Opinion: Prior Year Audit Premiums & Cancellation of Renewal Policies​


Still Need Help?

Our team is here to help. Whether it’s a quick clarification or a complex question, we’re just an email away.

Ask an Expert