Do Homeowners Insurance Policies Cover Host Liquor Liability?
Question: “As this is party/graduation season, do Homeowners insurance policies cover Host Liquor Liability? My example: If a guest or other third party was injured or killed in an auto…
Maddy Tomkos
Electronic Delivery of Policies Unless Paper Copies Are Requested
Question: “I know that historically we had to have the insureds sign off on receiving policies electronically, but I wanted to know if there have been any updates to how…
Are Businesses Required To Carry Disability Benefits Law (DBL) and Paid Family Leave (PFL) Insurance With Employees From a Professional Employer Organization (PEO)?
Question: “My client is leasing its employees from a professional employer organization (PEO). Does New York law still require the business to carry Disability Benefits Law (DBL) and Paid Family…
Non-Renewal Notice on a Commercial General Liability Insurance Policy
Question: “My insured received the attached non-renewal notice on their Commercial General Liability insurance policy. Is it a legal notice? The coverage is provided by a non-admitted carrier.” Answer: Commercial…
Can an Agency Run MVRs? Can They Reveal That Information to the Insured?
Question: “Can an agency run MVRs? If we do run an MVR or receive information on a driver, can we give that out to the insured?” Answer: It is permissible…
Rules for Social Media Giveaways
Question: “I was hoping to get some clarity on any kind of rules in regards to promotions/giveaways on our social media accounts to grow our followers? For example, running a…
Does the UM Coverage in a Business Auto Policy Cover an Injured Worker Who Collected Workers’ Comp?
Question: “Is workers’ compensation the sole remedy for a worker who is injured in an auto accident on company time in a company vehicle, or can he make a claim…
If an Insured Rents a Car and Damages It, Does a Deductible Apply to the Rental Vehicle’s Physical Damage Coverage?
Question: “If an insured rents a car and damages it, does a deductible apply to the rental vehicle physical damage coverage?” Answer: No. The New York Rental Vehicle Coverage Endorsement…
Insurance Agency Ownership as an Unlicensed Individual
Question: “Is it legal for a person who does not hold a New York insurance license to be an owner of an insurance agency?” Answer: Yes. However, because New York…
NY Agent’s and Broker’s License Reinstatement Requirements
Question: “I’m hiring someone who used to have a New York insurance license but let it lapse several years ago. Do they have to retake the pre-licensing course in order…
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