Your Questions About ‘220 Letters’ Answered
We get frequent questions (that is, six or more in the last two weeks) about cancellation, non-renewal, and conditional renewal letters from insurers. A lot of members refer to these…
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Is Vandalism Damage Caused by the Insured’s Tenant Covered?
Question: “We have an insured with a tenant property. The tenant was evicted and caused damage to the home before leaving. Some of the damage came from their animals left…
Rules for Workers’ Compensation When a New York Employee Has a Temporary Project in Another State
Question: “What are the rules for Workers’ Compensation when a New York employee has a temporary project in another state? I always try to list states under Item 3.C. in…
Can an Employee Who Gets Injured While Driving to or From Work Collect Workers’ Compensation Benefits?
Question: “Can an employee who gets injured while driving to or from work collect Workers’ Compensation benefits?” Answer: Unless a drive involves an employment-related errand, generally no. To be compensable,…
Will a New York State Personal Auto Policy Extend to a Rental Car Rented in the U.S. Virgin Islands?
Question: “Will a New York State personal auto policy extend to a rental car rented in the U.S. Virgin Islands?” Answer: For most coverages that are mandatory in New York,…
Is It Required To Maintain Signed Applications Even When the Carrier Allows Electronic Signatures?
Question: “Does New York State require us to maintain signed applications in our management system, specifically for the companies that allow e-signatures from their websites?” Answer: New York State insurance…
What Types of Commercial Properties Have To Be Specifically Rated by ISO? Class Loss Costs Eligible?
Question: “What types of commercial properties have to be specifically rated by the Insurance Services Office (ISO), and which are eligible for the class loss costs found in the manual?”…
Can an Agent Run a Trade Association for Clients and Offer Members Premium Discounts?
Question: “Suppose I was going to sell insurance to customers for a niche market product, and I wanted to start a trade association. These customers could pay annual membership dues…
Does the New York Anti-Arson Application for Improvements/Betterments Need To Be Completed for a Restaurant?
Question: “Must we complete the New York Anti-Arson Application for improvements/betterments in a restaurant?” Answer: I believe you do. The application is required by Section 3403 of the New York…
Authorized Representatives For an Endorsement Form’s Countersignature Line
Question: “A situation came up recently with one of your clients. They have entered into a contract and are required to provide a Waiver of Subrogation for the Workers’ Compensation…
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