VIDEO: NYS Peer-To-Peer Car Sharing
Watch this two-minute video to learn what new car-sharing regulations mean to your clients and you.
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Will Making a Claim for Actual Cash Value Help the Insured Avoid a Coinsurance Penalty?
Question: “We have a fire claim on a building, and I know I have a coinsurance problem. The building limit is around 55% of what it should have been. The…
Discussing Disability Insurance With Clients as a P&C Agent
Question: “I am licensed for property and casualty, and our agency handles New York State Disability Benefits Law (DBL) and Paid Family Leave (PFL) policies/questions in our commercial lines department.…
Can an Insurance Company Retroactively Charge for a Young Driver?
Question from a member: “On a personal auto application for one of our carriers, it requests information on all residents in the household, including young children. This insured was written…
Is Damage From a Skunk, Chewing, etc., Covered by a Homeowners Policy?
Question: “Is damage from a skunk, chewing, etc., covered by a Homeowners policy? My initial research tells me that a skunk is not a rodent, and as such, damage would…
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…
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…
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