Can an Insurer Pick and Choose What to Re-Tier at Renewal?
QUESTION: “I have a company that increased an insured’s renewal premium by over $1,000 because of a deer collision claim (payout was $6,000 for a comprehensive claim). I do not…
maddytomkos
Can an Insurer Delete Business Income Coverage Mid-Term Due to Insured Not Submitting a Worksheet?
Question: “We have a manufacturer/warehouse/winery risk that is with a company that has ISO forms plus their own proprietary coverage. The proprietary coverage does not mention that the Agreed Value…
Should a Seasonal Home Occasionally Rented to Others Be Insured Under an HO-3 or a DP-3?
Question: “We have an insured who owns a secondary seasonal home, which she occupies. She also occasionally will rent it out to someone else for a month or so when…
Are Auto Photo Inspections Required When an Agent Is Doing a Book Transfer Between Insurers?
Question: “Doesn’t the New York auto photo inspection regulation say that the insurer does not have to have vehicles inspected if it’s insuring them under a book transfer by an…
Requirements for Service Fee Agreements
Question: “Are there any disclaimers or any other special information we need to include in a service fee agreement in addition to what’s in the attached form?” Answer: The only…
Does a Bank Have To Accept a Binder at a Home Mortgage Closing?
Question: “My client is trying to close on the purchase of a house, and his bank won’t accept an insurance binder at the closing as proof of insurance. Doesn’t the…
Sole Proprietorship & Workers’ Compensation
Question: “How do I prove to my client’s customer that my client, a sole proprietor with no employees, is not required to carry Workers’ Compensation insurance? The New York State…
Is Mailing a USB File Containing the Policy to the Insured Considered Electronic Delivery?
Question: “We’re being asked to print off policies more and more. How does the New York State Department of Financial Services (DFS) feel about us mailing USB drives to insureds?…
What’s in a Name? How To Change the Name on Your NY License
You can ask the New York State Department of Financial Services to change the name on your license by writing an email to its Licensing Bureau and providing six pieces…
Insurers, Get Your Act Together on Commercial Lines Renewals
You must give your policyholders at least two months’ warning if you’re going to drop them, change or reduce their coverage, or hike their premiums.
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