The Myths About New York’s Certificates of Insurance Law
In just 18 days, New York’s certificates of insurance law will take effect. The New York State Department of Financial Services has posted an initial list of certificate forms it…
News
New York’s Scaffold Law and a Temporary Worker Exclusion
This endorsement excludes Labor Law claims and other injury claims involving temporary workers.
A Manhole-Sized Bad Court Decision
Last year, I developed and taught a continuing education course titled Absolute Liability: New York’s Scaffold Law and the Courts. The course looked at the history and interpretation of New York…
New York’s Scaffold Law: Why Worker Conduct Doesn’t Matter
New York’s so-called “scaffold law” (Sections 240(1) and 241(6) of the state’s Labor Law) has become notorious. Detractors in the insurance, construction, and real estate industries say it is unfair, redundant, and the…
Countering the Scaffold Law Rhetoric
Claim: Reforming the Scaffold Law would be unfair to workers, who would have no recourse in court.Response: Reform would not limit any worker’s right to sue, nor would it shield…
Does New York Rental Car Coverage Apply To a Borrowed Car?
Question from member: “A client of ours incurred damage on a loaner car that was provided to them while their car was in for service. We filed a claim with their…
Will HO Policy Cover Accidental Injury to Foster Children?
Question from an IIABNY member: “We have an insured who is taking in three foster children from Family Court. The mother of the children is heading to jail for a year. She is…
It’s Not the Wind, It’s the Water
“Hurricane Sandy revealed just how real storm surge risk is,” commented Dr. Claire Souch, vice president, model solutions at RMS. “Our model shows there is a 20 percent chance that…
Insurance Carriers Do The Darndest Things!
[This post appeared in the June 26, 2013, issue of IIABNY Insider] Every week, IIABNY’s Research Department gives members information about what New York State law allows insurance carriers to…
Scaffold Law Fact Check
New York State Trail Lawyers Association (NYSTLA) says… New York’s Scaffold Law makes construction safer. It doesn’t. OSHA’s rigorous scaffold safety regulations far exceed those put forth under the Scaffold…
Filters
- News (1)
- Ask Tim (162)
- Advocacy (89)
- Industry News (87)
- Cyber (26)
- Association News (19)
- Culture Corner (16)
- NextGen (9)
- Tech (8)
- Consulting (4)
- Carriers (4)
- Marketing (4)
- Education (4)
- On Our Minds (3)
- Human Resources (3)
- Your Good News (2)
- Solutions (2)
- Agency Valuation & Perpetuation (2)
- Get to Know Your Board (2)
- Get to Know Our Staff (1)
- Sue's Picks (1)
- Auto Insurance (42)
- Department of Financial Services (DFS) (34)
- Homeowners Insurance (26)
- Personal Lines (24)
- Workers' Compensation (23)
- Commercial Lines (22)
- Scaffold Law (17)
- Liability Insurance Policy (16)
- Cybersecurity Regulation (15)
- Fraud (15)
- Conditional Renewals (14)
- Policy Non-Renewals (14)
- Third Party Litigation Funding (TPLF) (13)
- Governor Kathy Hochul (13)
- Premium Changes (10)
- Multi-Factor Authentication (MFA) (10)
- Labor Law (10)
- Policy Cancellations (9)
- Excess & Surplus Lines (E&S) (9)
- Grassroots Advocacy (9)
- New York City (9)
- Flood Insurance (8)
- Affordability (8)
- Property-Casualty Agent's (PC) License (7)
- Certificates of Insurance (7)
- Supplemental Spousal Liability (SSL) (6)
- Hard Market (6)
- National Flood Insurance Program (NFIP) (6)
- Cybersecurity Incident (6)
- E&O (6)
- Anti-Arson Application (6)
- Go Big (6)
- General Liability (6)
- Excess Liability Coverage (6)
- Legal System Abuse (6)
- Albany (5)
- Small Business (5)
- IAPAC (5)
- Auto Collision (5)
- New York Auto Insurance Plan (NYAIP) (5)
- NY First (5)
- Staged Accident (5)
- G100 (5)
- NextGen (5)
- Young Agents (5)
- Wrongful Death (5)
- Continuing Education (CE) (5)
- New York State Insurance Fund (NYSIF) (5)
- Commercial Property (5)
- Rental Vehicle (5)
- No-Fault Insurance (5)
- AI (5)
- ACORD (5)
- Third-Party Service Provider (4)
- Declination Form (4)
- State Lawmakers (4)
- Carrier Cancellations (4)
- Cybersecurity Awareness Training (4)
- Photo Inspection (4)
- Bodily Injury and Property Damage Liability (4)
- Property-Casualty Broker's (BR) License (4)
- Additional Insured Coverage (4)
- Transportation Network Companies (TNCs) (4)
- Absolute Liability (4)
- Loss ratios (4)
- Modernization (4)
- Community Involvement (3)
- Insurance Industry Charitable Foundation (IICF) (3)
- Hurricane Windstorm Deductible Trigger (3)
- Agency Management System (3)
- Natural Disaster (3)
- Data Breach (3)
- Event (3)
- Remote Work (3)
- Professional Development (3)
- New York Compensation Insurance Rating Board (3)
- Residential Property Insurance Market (3)
- Single Producer License (3)
- Personal Liability Coverage (3)
- Damaged Property (3)
- Car Accident (3)
- Supplemental Uninsured/Underinsured Motorist (SUM) Coverage (3)
- Disability Benefits Law (3)
- Personal Umbrella Insurance (PUP) (3)
- Rental Property (3)
- Insurance Services Office (ISO) (3)
- Licensed Insurance Agent (3)
- Licensed Insurance Broker (3)
- Ridesharing (3)
- Jamaal Bailey (3)
- Commission Rates (3)
- Big "I" Legislative Conference (3)
- Women in Insurance Summit (3)
- Networking (3)
- Cyber Threats (3)
- Producer Advertising Law (3)
- Consumer Protection Law (2)
- FAIR Act (2)
- Leroy Comrie (2)
- Letitia James (2)
- Micah Lasher (2)
- Capitol Hill (2)
- Acknowledgement of Non-Compliance (2)
- Certification of Material Compliance (2)
- Notice of Exemption (2)
- Information System Assets Inventory (2)
- Tariffs (2)
- Third-Party Service Provider Security Policy (2)
- New York P&C Insurance Summit (2)
- Public Policy Issues (2)
- AgencyFocus (2)
- Virtual Assistant (VA) (2)
- Board of Directors (2)
- Leadership Academy (2)
- Team Building (2)
- Grieving Families Act (2)
- Local Associations (2)
- Education (2)
- Webinar (2)
- Property Casualty Insurance Security Fund (2)
- Legislation (2)
- Unfair Business Practices Law (2)
- Golf (2)
- Insurance Disciplinary Action Report (2)
- License Revocation (2)
- Comprehensive Coverage (2)
- Global Conflict (2)
- Pet Damage (2)
- Retroactive Charge (2)
- Young Driver (2)
- Unlicensed Personnel (2)
- Endorsement Form (2)
- Electronic Delivery (2)
- Electronic Signatures and Records Act (ESRA) (2)
- New Business (2)
- Package Policy (2)
- Terminated Agency Contract (2)
- Willful or Reckless Act (2)
- Non-Payment of Premium (2)
- ISO Policy Form (2)
- Actual Cash Value (ACV) (2)
- Insurance Coverage Limit (2)
- Replacement Cost (RC) (2)
- Renters Insurance (2)
- Infrastructure Expansion Act (2)
- Kelly Gonyo (2)
- Hold Harmless Agreement (2)
- Occupational Safety and Health Administration (OSHA) (2)
- Contributory Negligence (2)
- Loss Costs (2)
- Agency Compensation 360 (2)
- INBOUND (2)
- InsurPac (2)
- New Hires (2)
- Automatic Rate Hikes (2)
- Auto Insurance Consumer Relief Act (2)
- Cybersecurity (2)
- Identity Theft (2)
- Emergency Weather (2)
- Cybersecurity Policy (2)
- Advocacy (2)
- DFS ID (2)
- New York State Budget (2)
- Carrie Woerner (2)
- $10 Tuesday (2)
- Excessive Litigation (2)
- YAC (1)
- New York Court of Appeals (1)
- Assembly Bill 8065 (1)
- Lost Policy Release (LPR) (1)
- ACORD Advantage subscription (1)
- Fire Prevention and Building Code (1)
- Beneficial Ownership Information (BOI) Report (1)
- Corporate Transparency Act (CTA) (1)
- Insurance Producer Exception (1)
- In-District Legislative Meetings (1)
- Emmanuel Osuyah (1)
- City & State New York (1)
- Global Challenges (1)
- National Association of Mutual Insurance Companies (NAMIC) (1)
- Annual 10-K Report (1)
- Section 500.11 (1)
- Lisa Lounsbury (1)
- Travis Wattie (1)
- Operational Services (1)
- Assembly Bill 9232-B (1)
- Department of Labor (1)
- Insurtech (1)
- Mergers and Acquisitions (M&A) (1)
- Adirondack Insurance Exchange (1)
- Workers' Compensation Assessment (1)
- Strategic Vision (1)
- Community College (1)
- InVEST (1)
- Holidays (1)
- Thanksgiving (1)
- Anti-Concurrent Causation Clause (1)
- Agency Operations (1)
- Fair Market Valuation (1)
- Virtual Private Network (VPN) (1)
- Social Engineering (1)
- Insurance Policies (1)
- Consumer Privacy (1)
- Legislative Call to Action (1)
- Carrier Markets (1)
- AM Best (1)
- New York Schools Insurance Reciprocal (NYSIR) (1)
- Big Book of Form Letters (1)
- IIABA Appointees (1)
- ELANY (1)
- Sexual Harrassment (1)
- Trusted Choice (1)
- Council of Technology (1)
- AIE (1)
- Subsidized Housing (1)
- Independent Contractor (1)
- Unlicensed Agency Name (1)
- New York Property Insurance Underwriting Association (1)
- Insurance Penalties (1)
- Insurer Fines (1)
- New York State Compensation Board (1)
- Guidance Letter (1)
- Energage (1)
- Top Workplaces (1)
- Chair of the Board (1)
- Awards (1)
- Agency Agreements (1)
- Federal Trade Commission (1)
- Big "I" Legislative Breakfast (1)
- Charles Symington (1)
- Earthquake Insurance (1)
- New York State Assembly (1)
- Senate (1)
- Jim Keidel (1)
- Carrier Requirements (1)
- New York Carriers (1)
- Work From Home (WFH) (1)
- Luxury cars (1)
- Retail Worker Safety Act (1)
- CGL (1)
- OCP (1)
- Owners and Contractors Protective Liability Policy (1)
- Liquor Legal Liability Coverage (1)
- DFS Consultant Authorization (1)
- Lead Paint Exclusion Prohibition (1)
- Online Insurance Verification (1)
- Reasonable (FAIR) Business Practices Act (1)
- Standardized definitions (1)
- Internet Point Insurance Reduction Program (1)
- Property Resiliency Initiatives (1)
- Lobbying (1)
- Legislative Success (1)
- Washington DC (1)
- Uninsured Motorist Coverage (1)
- U.S. Virgin Islands (1)
- Car Sharing Programs (1)
- Tier Assignment (1)
- Property Damage Liability (1)
- Department of Health (1)
- Essential Plan Health Coverage (1)
- National Association of Benefits and Insurance Professionals (NABIP) (1)
- NY State of Health Marketplace (1)
- Late Filing Fee (1)
- NAIC Producer Licensing Model Act (1)
- Non-Resident License (1)
- Resident License (1)
- Pre-licensing (1)
- Agency Owner (1)
- Non-Standard Certificate (1)
- Countersignature (1)
- Waiver of Subrogation (1)
- Business Income Coverage (1)
- Business Income Worksheet (1)
- Commuting (1)
- Sole Proprietorship (1)
- Paid Family Leave (1)
- Professional Employer Organization (PEO) (1)
- Certificate of Liability Insurance (1)
- Non-Admitted Company (1)
- Insurance Regulation 87 (1)
- Motor Vehicle Report (1)
- Giveaway (1)
- Social Media (1)
- Discounts (1)
- Trade Association (1)
- Documentation (1)
- Service Fees (1)
- Insurance Binder (1)
- Mortgage Loan (1)
- 220 Letters (1)
- Audit (1)
- Policy Provisions (1)
- Commercial Risk Insurance (1)
- Professional Liability Insurance (1)
- Public Entity Insurance (1)
- Geographical Location (1)
- Redlining (1)
- Bankruptcy (1)
- Alternative Renewal Notice (1)
- Business Owner's Policy (BOP) (1)
- Short-Term Renewal (1)
- Policy Renewal (1)
- Enhanced Actual Cash Value (ACV) Roof Loss Settlement Endorsement (1)
- Free Trade Zone (1)
- Policy Void (1)
- Hired and Non-Owned Auto Liability Coverage (1)
- Subrogation (1)
- Landlord Insurance (1)
- Vandalism (1)
- Class Loss Costs (1)
- Tenant Improvements and Betterments (TIBs) (1)
- Coinsurance penalty (1)
- Infestation and Animal Damage Exclusion (1)
- Personal Property Insurance (1)
- Host Liquor Liability (1)
- Fostering (1)
- Long Island (1)
- Domestic Employees (1)
- Workers' Compensation Endorsement (1)
- Child Victims Act (CVA) (1)
- Insolvent Insurer (1)
- Airbnb (1)
- Home-Based Business (1)
- Home Sharing (1)
- Host Damage Protection (1)
- Host Liability Protection (1)
- Vrbo (1)
- Non-Compete Agreement Bans (1)
- Arbitration Endorsements (1)
- Merit Rating Plans (1)
- Personal Injury Protection (PIP) Insurance (1)
- Unfair Claims Settlement Practices (1)
- New York State Trail Lawyers Association (NYSTLA) (1)
- Temporary Worker (1)
- Aerial Imaging (1)
- National Council of Insurance Legislators (NCOIL) (1)
- Experience Rating (1)
- NYAIP Governing Committee (1)
- NYAIP Peer Review Panel (1)
- Customer Service (1)
- Staffing Shortages (1)
- The Lawsuit Reform Alliance of NY (1)
- Backdating (1)
- Compensation survey (1)
- Build More New York (1)
- Independent Agent Penetration (1)
- P&C Insurance Marketplace Report (1)
- Surplus line utilization (1)
- Pass-Through Entity (1)
- Qualified Business Income (QBI) (1)
- Answer Engine Optimization (AEO) (1)
- Generative Engine Optimization (GEO) (1)
- HubSpot (1)
- Licensing (1)
- Local Leaders Summit (1)
- Government Shutdown (1)
- Adrienne Harris (1)
- Kaitlin Asrow (1)
- Ashley Engl (1)
- Cisco (1)
- Zero-Day Vulnerability (1)
- NYS Secure Choice Savings Program (1)
- Private Sector (1)
- Retirement (1)
- Roth IRA (1)
- Encryption (1)
- Mid-America Insurance Conference (1)
- National Council on Compensation Insurance (NCCI) (1)
- NYSIF Insure+ (1)
- Payroll Estimates (1)
- Waiver of Audit Program (1)
- Borg Insurance Agency (1)
- Member Engagement (1)
- Robert L. Kelly General Insurance (1)
- Insurance Information and Enforcement System (IIES) (1)
- Rate and Form Filing (1)
- Beds for Buffalo (1)
- Buffalo I-Day (1)
- Career Civility (1)
- Day in the Life (1)
- Shop 'Til You Drop (1)
- Shot Clock Social (1)
- Legislative Breakfast (1)
- Civil Procedure Law and Rules (1)
- Foreign Business (1)
- Negotiating Contracts (1)
- Data Privacy (1)
- Cyberthreats (1)
- Ransomware (1)
- Supply Chain Management (1)
- Third-Party Vendors (1)
- Agency Acquisitions (1)
- Jackware (1)
- Affinity HR Group (1)
- HR Tools (1)
- Workplace Electronic Monitoring (1)
- COVID (1)
- COVID-19 (1)
- Employment Practices Liability Insurance (EPLI) (1)
- Hurricane Season (1)
- Recession (1)
- Photo Inspections (1)
- Agents Advocacy Week (1)
- Excess Lines Diligent Effort Bill (1)
- Public Protection and Good Government (1)
- Transportation Expenses Coverage (1)
- Federal Lawmakers (1)
- Fundraising (1)
- National Big "I" (IIABA) (1)
- E&O Exposure (1)
- Book of Business Review (1)
- Carrier Appetite (1)
- Cross-Selling (1)
- Client Guidance (1)
- Snow Day Protocol (1)
- Phishing (1)
- Diversity (1)
- Tinsley English (1)
- Women in Insurance (1)
- Voice Phishing (1)
- Presidents' Day (1)
- Liability Insurance (1)
- Computer Systems (1)
- Cyber & Privacy Liability (1)
- MyAgencyCampus (1)
- Testimonial (1)
- Data Exchange (1)
- Electronic Document (1)
- Technology (1)
- Action Center (1)
- Executive Budget (1)
- Operational Consulting (1)
- Technical Consulting (1)
- Automated Processing (1)
- Large Language Models (LLMs) (1)
- Machine Learning (1)
- Risk Assessment (1)
- Compliance (1)
- Dwelling Coverage (1)
- Optional Basic Economic Loss (OBEL) Coverage (1)
- Political Action Committee (1)
- Cash Payments (1)
- License Renewal (1)
- Washington D.C. (1)
- Assembly Speaker Carl Heastie (1)
- Market Access (1)
- Travelers (1)
- Agency AI Labs (1)
- Agents Council for Technology (ACT) (1)
- Surface Transportation Reauthorization Bill (1)
- Big I New York Election Center (1)
- Primary Elections (1)
- Excess Profits (1)
- Flex Rating (1)
- Chatbot (1)
- Dale Steinke (1)
- Insurance Legislation (1)
- Insurance Anti-Discrimination Laws (1)
- Pet Insurance (1)
- Surveillance Pricing (1)