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…
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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…
An Expert Answers Your Questions About Cybersecurity
PropertyCasualty360.com has a post up on its site today that features a question-and-answer session with Troy Stairwalt, chief information security officer of Westfield Insurance. I encourage you to read the entire…
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…
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…
Your Clients Might Not Have Enough Rental Reimbursement Coverage
Persistent supply chain problems are creating shortages of some auto parts, and that could mean some of your clients will be underinsured when they have to rent cars to subsitute…
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…
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