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…
maddytomkos
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…
Submitting Non-Standard Certificates of Insurance Forms
Question: “Is it legal for someone to complete and submit a non-standard certificate of insurance form?” Answer: Yes. New York’s certificates of insurance law does not prohibit anyone from using…
NYS Resident & Non-Resident License Requirements
Question: “My employee lives in another state but does not write any insurance there, and she works remotely out of our office in New York. Does she need a resident…
NYS Agent’s & Broker’s License Renewal Late Fee
Question: “Why does the New York State Department of Financial Services charge me $10 if I renew my agent’s or broker’s license less than 60 days before renewal?” Answer: The…
A Consumer’s Guide to Non-Admitted Insurance Companies
An admitted insurance company (also known as a “licensed” or “authorized” company) is one that holds a license issued by the insurance regulators in a particular state. (The Department of…
What Does the Workers’ Comp Endorsement to the Homeowners Policy Cover?
[The following is a re-publication of a post that originally ran in 2011.] Question from an IIABNY member: “I have a personal lines customer who called saying he has a person…
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