Ask Tim

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…

The word 'fees' typed out into a calculator with money in the background

Why Does My Agent’s License Show as Inactive?

We are asked pretty frequently, “Why does my Agent’s License show as inactive?” An Agent’s License (PC or LA) is all about the relationship between the insurance company and the…

Man reading forms

A Guide to New York’s Scaffold Law

New York State’s so-called “scaffold law” is paragraph 1 of Section 240 and paragraph 6 of Section 241 of the state’s Labor Law. Its purpose is to protect construction workers…

Construction workers on scaffolding

Coverage Options for Customers Who Drive For TNCs

TNC Status in New York Transportation network companies (TNCs) were authorized to operate in New York State starting June 29, 2017. TNCs have been operating in New York City under…

Rideshare driver tapping on phone while in the driver's seat

Filters

  1. Posts (158)

  1. News (1)
    1. Ask Tim (158)
    2. Advocacy (6)
    3. Industry News (27)
    4. Cyber (23)
    5. Carriers (3)
    6. Marketing (1)
    7. Education (1)

  1. Auto Insurance (26)
  2. Homeowners Insurance (20)
  3. Commercial Lines (20)
  4. Personal Lines (19)
  5. Department of Financial Services (DFS) (15)
  6. Conditional Renewals (14)
  7. Liability Insurance Policy (13)
  8. Policy Non-Renewals (13)
  9. Cybersecurity Regulation (12)
  10. Workers' Compensation (11)
  11. Policy Cancellations (9)
  12. Scaffold Law (9)
  13. Multi-Factor Authentication (MFA) (8)
  14. Premium Changes (7)
  15. Property-Casualty Agent's (PC) License (7)
  16. Flood Insurance (6)
  17. General Liability (6)
  18. National Flood Insurance Program (NFIP) (5)
  19. Commercial Property (5)
  20. Excess Liability Coverage (5)
  21. Third-Party Service Provider (4)
  22. Auto Collision (4)
  23. Supplemental Spousal Liability (SSL) (4)
  24. Cybersecurity Awareness Training (4)
  25. E&O (4)
  26. Cybersecurity Incident (4)
  27. Bodily Injury and Property Damage Liability (4)
  28. New York City (4)
  29. Rental Vehicle (4)
  30. Property-Casualty Broker's (BR) License (4)
  31. Excess & Surplus Lines (E&S) (4)
  32. Labor Law (4)
  33. Declination Form (3)
  34. Data Breach (3)
  35. Personal Liability Coverage (3)
  36. Damaged Property (3)
  37. Certificates of Insurance (3)
  38. Personal Umbrella Insurance (PUP) (3)
  39. Rental Property (3)
  40. Insurance Services Office (ISO) (3)
  41. Licensed Insurance Agent (3)
  42. Licensed Insurance Broker (3)
  43. Additional Insured Coverage (3)
  44. Absolute Liability (3)
  45. Acknowledgement of Non-Compliance (2)
  46. Notice of Exemption (2)
  47. Information System Assets Inventory (2)
  48. Third-Party Service Provider Security Policy (2)
  49. Carrier Cancellations (2)
  50. Insurance Disciplinary Action Report (2)
  51. License Revocation (2)
  52. Comprehensive Coverage (2)
  53. Pet Damage (2)
  54. Car Accident (2)
  55. Retroactive Charge (2)
  56. Young Driver (2)
  57. Supplemental Uninsured/Underinsured Motorist (SUM) Coverage (2)
  58. Unlicensed Personnel (2)
  59. Endorsement Form (2)
  60. Natural Disaster (2)
  61. Disability Benefits Law (2)
  62. Electronic Delivery (2)
  63. Electronic Signatures and Records Act (ESRA) (2)
  64. New Business (2)
  65. Package Policy (2)
  66. Terminated Agency Contract (2)
  67. Willful or Reckless Act (2)
  68. Non-Payment of Premium (2)
  69. No-Fault Insurance (2)
  70. ISO Policy Form (2)
  71. Continuing Education (CE) (2)
  72. Actual Cash Value (ACV) (2)
  73. Insurance Coverage Limit (2)
  74. Replacement Cost (RC) (2)
  75. Renters Insurance (2)
  76. Ridesharing (2)
  77. Transportation Network Companies (TNCs) (2)
  78. Hold Harmless Agreement (2)
  79. Contributory Negligence (2)
  80. Hurricane Windstorm Deductible Trigger (1)
  81. New York Court of Appeals (1)
  82. Lost Policy Release (LPR) (1)
  83. Certificate of Compliance (1)
  84. Agency Management System (1)
  85. Fire Prevention and Building Code (1)
  86. Third Party Litigation Funding (TPLF) (1)
  87. Beneficial Ownership Information (BOI) Report (1)
  88. Corporate Transparency Act (CTA) (1)
  89. Insurance Producer Exception (1)
  90. New York Auto Insurance Plan (NYAIP) (1)
  91. National Association of Mutual Insurance Companies (NAMIC) (1)
  92. Annual 10-K Report (1)
  93. Section 500.11 (1)
  94. Insurance Markets (1)
  95. Workers' Compensation Assessment (1)
  96. Social Engineering (1)
  97. Carrier Markets (1)
  98. AM Best (1)
  99. New York Schools Insurance Reciprocal (NYSIR) (1)
  100. New York Compensation Insurance Rating Board (1)
  101. New York State Insurance Fund (NYSIF) (1)
  102. AIE (1)
  103. Residential Property Insurance Market (1)
  104. Subsidized Housing (1)
  105. Independent Contractor (1)
  106. Unlicensed Agency Name (1)
  107. Insurance Penalties (1)
  108. Insurer Fines (1)
  109. Guidance Letter (1)
  110. Earthquake Insurance (1)
  111. Luxury cars (1)
  112. Retail Worker Safety Act (1)
  113. CGL (1)
  114. OCP (1)
  115. Owners and Contractors Protective Liability Policy (1)
  116. Liquor Legal Liability Coverage (1)
  117. Global Conflict (1)
  118. Hard Market (1)
  119. Uninsured Motorist Coverage (1)
  120. U.S. Virgin Islands (1)
  121. Car Sharing Programs (1)
  122. Tier Assignment (1)
  123. Property Damage Liability (1)
  124. Late Filing Fee (1)
  125. NAIC Producer Licensing Model Act (1)
  126. Non-Resident License (1)
  127. Resident License (1)
  128. Pre-licensing (1)
  129. Agency Owner (1)
  130. Non-Standard Certificate (1)
  131. Countersignature (1)
  132. Waiver of Subrogation (1)
  133. Business Income Coverage (1)
  134. Business Income Worksheet (1)
  135. Commuting (1)
  136. Sole Proprietorship (1)
  137. Paid Family Leave (1)
  138. Professional Employer Organization (PEO) (1)
  139. Certificate of Liability Insurance (1)
  140. Non-Admitted Company (1)
  141. Property Casualty Insurance Security Fund (1)
  142. Insurance Regulation 87 (1)
  143. Motor Vehicle Report (1)
  144. Giveaway (1)
  145. Social Media (1)
  146. Discounts (1)
  147. Trade Association (1)
  148. Documentation (1)
  149. Service Fees (1)
  150. Insurance Binder (1)
  151. Mortgage Loan (1)
  152. 220 Letters (1)
  153. Audit (1)
  154. Policy Provisions (1)
  155. Commercial Risk Insurance (1)
  156. Professional Liability Insurance (1)
  157. Public Entity Insurance (1)
  158. Geographical Location (1)
  159. Redlining (1)
  160. Bankruptcy (1)
  161. Alternative Renewal Notice (1)
  162. Business Owner's Policy (BOP) (1)
  163. Short-Term Renewal (1)
  164. Policy Renewal (1)
  165. Enhanced Actual Cash Value (ACV) Roof Loss Settlement Endorsement (1)
  166. Free Trade Zone (1)
  167. Policy Void (1)
  168. Hired and Non-Owned Auto Liability Coverage (1)
  169. Subrogation (1)
  170. Photo Inspection (1)
  171. Landlord Insurance (1)
  172. Vandalism (1)
  173. Class Loss Costs (1)
  174. Anti-Arson Application (1)
  175. Tenant Improvements and Betterments (TIBs) (1)
  176. Coinsurance penalty (1)
  177. Infestation and Animal Damage Exclusion (1)
  178. Personal Property Insurance (1)
  179. Host Liquor Liability (1)
  180. Fostering (1)
  181. Long Island (1)
  182. Domestic Employees (1)
  183. Workers' Compensation Endorsement (1)
  184. Child Victims Act (CVA) (1)
  185. Insolvent Insurer (1)
  186. Airbnb (1)
  187. Home-Based Business (1)
  188. Home Sharing (1)
  189. Host Damage Protection (1)
  190. Host Liability Protection (1)
  191. Vrbo (1)
  192. Arbitration Endorsements (1)
  193. Merit Rating Plans (1)
  194. Personal Injury Protection (PIP) Insurance (1)
  195. Unfair Claims Settlement Practices (1)
  196. New York State Trail Lawyers Association (NYSTLA) (1)
  197. Occupational Safety and Health Administration (OSHA) (1)
  198. Temporary Worker (1)
  199. Customer Service (1)
  200. Backdating (1)
  201. Licensing (1)
  202. Government Shutdown (1)
  203. Cisco (1)
  204. Zero-Day Vulnerability (1)
  205. Encryption (1)
  206. Association for Cooperative Operations Research and Development (ACORD) (1)
  207. Mid-America Insurance Conference (1)
  208. National Council on Compensation Insurance (NCCI) (1)
  209. Cyberthreats (1)
  210. Ransomware (1)
  211. Supply Chain Management (1)
  212. Third-Party Vendors (1)
  213. Transportation Expenses Coverage (1)
  214. Tariffs (1)
  215. E&O Exposure (1)
  216. Voice Phishing (1)
  217. Certification of Material Compliance (1)
  218. Advocacy (1)
  219. Presidents' Day (1)
  220. Liability Insurance (1)
  221. Cybersecurity Policy (1)
  222. Computer systems (1)
  223. DFS ID (1)