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Legislative/regulatory issues

060001-00

Premium billing notice
Who is responsible to deliver the premium billing notice for policy renewals?...

060004-00

Rebating
Along with their homeowners insurance policy, a company included a discount coupon from a company that sells alarm systems. Would this be a form......

060008-00

Company withdrawal
One of the insurers we represent is withdrawing from Connecticut, although it has not terminated our agency contract. Now it has started sending......

060013-00

Credit card premium payments
Does Connecticut have any laws concerning the issue of whether an insurance agent may accept premium payments through the use of credit cards?...

060018-00

Sexual harassment
What are the rules governing sexual harassment affecting Connecticut businesses. Could you explain them?...

060044-00

Connecticut comparative negligence law
How does Connecticut’s comparative negligence law work when there are multiple defendants?...

060055-00

Mass-marketing plans
What are the rules governing mass-marketing programs in Connecticut?...

060059-00

Punitive damages
How are punitive damages treated in Connecticut?...

060083-00

Rebates
What can you tell me about rebates in Connecticut?...

060086-00

Referral fees
Can an insurance agent pay a referral fee to an unlicensed person, or a licensed person with different authorities than mine?...

060092-00

Mandatory SR-22 forms
Are SR-22 forms still mandatory?...

060098-00

Subrogation time frame
Is there a time frame when a company has to advise an insured that they are subrogating and is there a time limit on filing the subrogation......

060113-00

Acceptable proof of insurance
My insured currently has a package policy covering multiple commercial buildings and is in the process of buying an additional building. I......

060119-00

Rate filing
What is the process in Connecticut to obtain a carrier’s rate filing?...

060132-00

Under-age alcohol possession charges and license suspension
I’ve heard that in Connecticut, when a minor is cited for possession of alcohol, even if he or she was not driving or in a car, his or her......

060138-00

Approval of underwriting guidelines
Does the Connecticut Insurance Department require underwriting guidelines to be filed or approved by the commissioner’s office?...

060143-00

Agents legal duty at the time of procurement of coverage
Which statement most accurately describes the legal duty of an insurance agent at the time of procurement of coverage?...

060144-00

Illegal discrimination
In Connecticut, an insurance company may not engage in illegal discrimination. Would refusing to issue, renew, cancel or limit the amount or......

060145-00

Failure of agent to pay premium
I received notice from the commissioner of the Insurance Department that my license is being suspended for failure to pay premiums to the......

060147-00

Connecticut prejudice rule
I heard that the law regarding late notice of claim changed in Connecticut. Is this true? If so, what does it mean?...

060166-00

Disruptive client—agency refusal to write coverage
What do you do with a client that you don’t want anymore? We have an insured that is very disruptive when he comes into the office to make a......

900024-00

Family Leave Act—who pays?
I would like a clarification of the Family and Medical Leave Act of 1993. Who pays for the employee’s medical coverage if the employee takes......

900060-00

Management services for 401(k) plans
I think I saw something about a new law that lets insurance agents provide investment advice in connection with 401(k) plans. Can you give me the......

900061-00

Captive insurers
Can PIA provide me with some information on captive insurance companies?...

900083-00

C.L.U.E. reports
Does a company using Comprehensive Loss Underwriting Exchange, a data bank maintained by LexisNexis, have to release a copy of the C.L.U.E.......

900119-00

Cut-throughs
What is a “cut through”? If an insurance company becomes insolvent, are the company’s reinsurers responsible to pay claims......

900120-00

Lost policy
We have a client who is involved in a dispute with an insurance company over pollution coverage. The issue involves an old policy; our client no......

900121-00

OSHA log form sources
How do we get OSHA log forms? What forms are needed?...

900126-00

Reformation of policy language
In a settlement agreement we saw recently, the company consented to a “reformation” of its policy. Specifically, the company stated......

900184-00

Statute of limitations in subrogation action
My client, ABC Swim Club, has a commercial general liability policy with Small Insurance Co. ABC had a swim meet at XYZ Swim Club who has a......

900190-00

Waiver of subrogation vs. waiver of transfer of rights
If our insured is contractually required to name the other party as an additional insured on his policy, wouldn’t the request to also attach......

900236-00

W-9 IRS tax forms—request by policyholder
We have been asked by a client to provide a W-9 Form. What is this and why does the client need it?...

900277-00

Disclosure of customer’s records—pending lawsuit
Do the Gramm-Leach-Bliley Act (GLBA) privacy rules that restrict the disclosure of nonpublic financial information prohibit me from sharing or......

900371-00

Raffle to current customers
Our agency wants to run a raffle to increase our visibility. We plan to reach out to our existing homeowners insurance customers and give away a......

900401-00

The mailbox rule
My client received a notice of cancellation for nonpayment and mailed the premium before the date of cancellation. If the payment isn’t......

900403-00

Recreational drone registration
My client just bought a drone for each of her sons and herself. Does she have to register them, and how does she go about doing so?...

900405-00

Subpoenas
I just received a subpoena in connection with policies placed on behalf of my client. What is it and how should I respond?...

900415-00

DOL overtime—bonuses
I have an employee who makes $22,000 a year, but he receives a $3,000 bonus every year in December. Would this employee meet the overtime......

900416-00

Exemptions from DOL overtime
How do I know if my employees are exempt from overtime?...

900417-00

Waive DOL overtime
Can my employees waive their right to overtime?...

900418-00

DOL overtime—biweekly pay
Employees in my agency are on a biweekly pay schedule. If one of my employees who is eligible for overtime works over 40 hours in the first week......

900419-00

DOL overtime—outside-sales exemption
Will my producers qualify for the outside-sales exemption, even though many of them maintain office space at the agency?...

900427-00

Website accessibility
Does my website have to be accessible to people with disabilities?...

900447-00

Hemp and marijuana
What is the difference between hemp and marijuana under the 2018 Farm Bill?...