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…
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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…
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…
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