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…
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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…
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…
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