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…
Ask Tim
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.
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.
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…
Filters
- Auto Insurance (25)
- Homeowners Insurance (19)
- Commercial Lines (19)
- Personal Lines (17)
- Conditional Renewals (14)
- Liability Insurance Policy (13)
- Policy Non-Renewals (13)
- Workers' Compensation (11)
- Cybersecurity Regulation (10)
- Department of Financial Services (10)
- Policy Cancellations (9)
- Scaffold Law (9)
- Property-Casualty Agent's (PC) License (7)
- Flood Insurance (6)
- General Liability (6)
- National Flood Insurance Program (5)
- Multi-Factor Authentication (MFA) (5)
- Premium (5)
- Excess Liability Coverage (5)
- Auto Collision (4)
- Supplemental Spousal Liability (4)
- Bodily Injury and Property Damage Liability (4)
- Personal Liability Coverage (4)
- Rental vehicle (4)
- Property-Casualty Broker's (BR) License (4)
- Excess & Surplus Lines (E&S) (4)
- Third-Party Service Provider (3)
- Declination Form (3)
- Data breach (3)
- E&O (3)
- Cybersecurity Incident (3)
- Certificates of Insurance (3)
- Umbrella Insurance (3)
- Rental Property (3)
- Insurance Services Office (ISO) (3)
- New York City (3)
- Licensed Insurance Agent (3)
- Licensed Insurance Broker (3)
- Labor Laws (3)
- Absolute Liability (3)
- Department of Financial Services (DFS) (2)
- Notice of Exemption (2)
- Cybersecurity Awareness Training (2)
- Carrier cancellations (2)
- Insurance Disciplinary Action Report (2)
- License Revocation (2)
- Damaged property (2)
- Pet Damage (2)
- Car Accident (2)
- Unlicensed Personnel (2)
- Endorsement Form (2)
- Natural Disaster (2)
- Disability Benefits Law (2)
- Electronic Delivery (2)
- Electronic Signatures and Records Act (ESRA) (2)
- New Business (2)
- Package Policy (2)
- Terminated Agency Contract (2)
- Willful or Reckless Act (2)
- Non-Payment of Premium (2)
- No-Fault Insurance (2)
- ISO Policy Form (2)
- Continuing Education (CE) (2)
- Commercial Property (2)
- Ridesharing (2)
- Transportation Network Companies (TNCs) (2)
- Additional Insured Coverage (2)
- Hold Harmless Agreement (2)
- Contributory Negligence (2)
- Hurricane Deductible Trigger (1)
- New York Court of Appeals (1)
- Lost Policy Release (LPR) (1)
- Acknowledgement of Noncompliance (1)
- Certificate of Compliance (1)
- Information System Assets Inventory (1)
- Agency Management System (1)
- Fire Prevention and Building Code (1)
- Third Party Litigation Funding (TPLF) (1)
- Beneficial Ownership Information (BOI) Report (1)
- Corporate Transparency Act (CTA) (1)
- Insurance Producer Exception (1)
- NYAIP (1)
- National Association of Mutual Insurance Companies (1)
- Annual 10-K Report (1)
- Section 500.11 (1)
- Third-Party Service Provider Security Policy (1)
- Insurance Markets (1)
- Workers Compensation Assessment (1)
- Social Engineering (1)
- Multifactor Authentification (1)
- Carrier Markets (1)
- AM Best (1)
- New York Schools Insurance Reciprocal (NYSIR) (1)
- New York Compensation Insurance Rating Board (1)
- New York State Insurance Fund (1)
- AIE (1)
- Residential Property Insurance Market (1)
- Subsidized Housing (1)
- Independent Contractor (1)
- Unlicensed Agency Name (1)
- Insurance Penalties (1)
- Insurer Fines (1)
- Guidance Letter (1)
- Commercial Property Insurance (1)
- Earthquake Insurance (1)
- Luxury cars (1)
- Retail worker safety (1)
- CGL (1)
- OCP (1)
- Owners and Contractors Protective Liability Policy (1)
- Liquor Legal Liability Coverage (1)
- Global Conflict (1)
- Hard Market (1)
- Young driver (1)
- Supplementary Uninsured/Underinsured Motorists Coverage (1)
- Uninsured Motorist Coverage (1)
- U.S. Virgin Islands (1)
- Car Sharing Programs (1)
- Tier Assignment (1)
- Property Damage Liability (1)
- Late Filing Fee (1)
- NAIC Producer Licensing Model Act (1)
- Non-Resident License (1)
- Resident License (1)
- Pre-licensing (1)
- Agency Owner (1)
- Non-standard certificate (1)
- Countersignature (1)
- Waiver of Subrogation (1)
- Business Income Coverage (1)
- Business Income Worksheet (1)
- Commuting (1)
- Sole proprietorship (1)
- Paid Family Leave (1)
- Professional Employer Organization (PEO) (1)
- Certificate of Liability Insurance (1)
- Non-Admitted Company (1)
- Property Casualty Insurance Security Fund (1)
- Insurance Regulation 87 (1)
- Motor Vehicle Report (1)
- Giveaway (1)
- Social Media (1)
- Discounts (1)
- Trade Association (1)
- Documentation (1)
- Service Fee (1)
- Insurance Binder (1)
- Mortgage Loan (1)
- 220 Letters (1)
- Audit (1)
- Policy Provisions (1)
- Commercial Risk Insurance (1)
- Professional Liability Insurance (1)
- Public Entity Insurance (1)
- Geographical Location (1)
- Redlining (1)
- Premium Changes (1)
- Bankruptcy (1)
- Alternative Renewal Notice (1)
- Business Owner's Policy (BOP) (1)
- Short-Term Renewal (1)
- Policy Renewal (1)
- Enhanced Actual Cash Value (ACV) Roof Loss Settlement Endorsement (1)
- Free Trade Zone (1)
- Policy Void (1)
- Hired and Non-Owned Auto Liability Coverage (1)
- Comprehensive Coverage (1)
- Subrogation (1)
- Photo Inspection (1)
- Landlord Insurance (1)
- Vandalism (1)
- Class Loss Costs (1)
- Anti-Arson Application (1)
- Actual Cash Value (ACV) (1)
- Coinsurance penalty (1)
- Insurance Coverage Limit (1)
- Replacement Cost (RC) (1)
- Infestation and Animal Damage Exclusion (1)
- Personal Property Insurance (1)
- Renters Insurance (1)
- Host Liquor Liability (1)
- Fostering (1)
- Long Island (1)
- Domestic Employees (1)
- Workers' Compensation Endorsement (1)
- Child Victims Act (CVA) (1)
- Insolvent Insurer (1)
- Airbnb (1)
- Home-Based Business (1)
- Home Sharing (1)
- Host Damage Protection (1)
- Host Liability Protection (1)
- Vrbo (1)
- Arbitration Endorsements (1)
- Merit Rating Plans (1)
- Personal Injury Protection (PIP) Insurance (1)
- Supplemental Uninsured/Underinsured Motorist (SUM) Coverage (1)
- Unfair Claims Settlement Practices (1)
- New York State Trail Lawyers Association (NYSTLA) (1)
- Occupational Safety and Health Administration (OSHA) (1)
- Labor Law (1)
- Temporary Worker (1)
- Customer Service (1)
- Backdating (1)
- Licensing (1)
- Government Shutdown (1)
- Cisco (1)
- Zero-Day Vulnerability (1)
- Encryption (1)
- Association for Cooperative Operations Research and Development (ACORD) (1)
- Mid-America Insurance Conference (1)
- National Council on Compensation Insurance (NCCI) (1)
- Agency cyberthreats (1)
- Ransomware (1)
- Supply Chain Management (1)
- Third-Party Vendors (1)
- Transportation Expenses Coverage (1)