Ask Tim

Is That Injury Covered by Workers’ Comp?

I got an interesting question yesterday that I was unable to answer. Hopefully, you’re still reading; I’ll go on. The IIABNY member who called me has a client who fell…

A man helping a woman who had slipped and fell

No-Fault vs. Workers’ Comp: Which One is Primary?

One question that comes up frequently concerns how New York No-Fault insurance coordinates with Workers’ Compensation insurance when both apply to the same accident. In other words, which policy pays…

A hand wrapped in gauze.

Is That a Legal Reason to Non-Renew a Policy?

I often receive questions from IIABNY members about non-renewal notices and the reasons given for non-renewal. The member usually wants to know whether it is legal under New York law…

A gavel and scale of justice stand beside a clipboard.

Filters

  1. Posts (166)

  1. News (3)
    1. Ask Tim (166)
    2. Industry News (30)
    3. Advocacy (6)
    4. Cyber (25)
    5. Education (1)
    6. Marketing (1)
    7. Carriers (3)

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