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Below is a listing of the documents that are available. Simply click on the document title to select that documents. The index is updated on a regular basis.
Browse by topic
Legislative/regulatory issues
’Steering’ to repair shops
This resource kit explains the law regarding the steering of policyholders to preferred repair facilities. 2 pages
2023 PIACT legislative priorities
A comprehensive look at PIACT’s major legislative priorities for the 2023 legislative session. 2 pages
An engaging article on e-delivery of documents
A discussion about the importance of following the law when it comes to e-delivery of insurance documents. 3 pages
Connecticut Minimum Wage Law
A overview of the Connecticut Minimum Wage Law, which went into effect Oct. 1, 2019. 1 page
Connecticut notary public application and manual
Connecticut manual for notaries to include the information on the appointment process, fees, duties, responsibilities and application form. 59 pages
Distorted patents and exorbitant premiums
Offers information on the background of patents and why they are costly to insure. 2 pages
Does the Red Flags Rule affect me?
A brief overview of who is affected by these rules and what precautions must be taken to comply. 2 pages
Employee vs. independent contractor assessment—ABC test and control
An overview of the ABC test and control for Connecticut on determining employees vs. independent contractors. 3 pages
Employee vs. independent contractor assessment—ABC test and control
An overview of the ABC test and control for New Hampshire on determining employees vs. independent contractors. 3 pages
Employee vs. independent contractor assessment—ABC test and control
An overview of the ABC test and control for Connecticut on determining employees vs. independent contractors. 3 pages
Employee vs. independent contractor—ABC test and control
An overview of the ABC test and control for New Jersey on determining employees vs. independent contractors. 3 pages
FAQ: PIANY’s anti-arson application repeal law
A comprehensive FAQ outlining the repeal of the anti-arson application in Buffalo, N.Y. 1 page
Federal and state do-not-call rules: a guide for PIA members
Provides specific advice about individual legal, business or other questions relating to do-not-call rules. 13 pages
Get the facts on the do-not-fax law
A comprehensive summary of the federal do-not-fax law so you can act in accordance with this rule. 3 pages
How high is your duty-of-care?
This resource kit discusses how an agent must interact with their client to avoid breaching his/her duty of care. 2 pages
Insurance for punitive damages
A comprehensive discussion of punitive damages, their insurability and how certain states approach the issue. 2 pages
Insurance producers: independent contractors or employees?
This resource kit offers guidance on how to make the proper determination as to whether a producer is an independent contractor or an employee. 2 pages
Life insurance settlements—proceed with care
Comprehensive review of life-settlement arrangements and how they can affect your insureds. 9 pages
N.Y. tie-in sales—OGC Opinion 87-2
Text of an opinion of general counsel for New York state where the New York State Department of Financial Services discusses tie-in sales, which are when an insurer refuses to write a particular policy unless the insured purchases an additional policy. 2 pages
National Association of Professional Insurance Agents 2022 issues of focus
Overview of the federal legislative issues papers that support the independent agency system and the consumer they protect. 10 pages
New Jersey Department of Banking and Insurance Order No. A22-06 re: disclosure of policy limits disclosures pursuant to P.L. 2022, c.95
A DOBI order outlining the requirements for automobile insurers to disclose policy limits upon request.
New Jersey legislative wrap-up
A comprehensive look at the bills PIANJ tracked during the recent legislative session. 2 pages
New Jersey marketing practices
Outlines the rules and regulations applicable to insurance producers marketing including advertisements. 6 pages
New Jersey unfair claims rules
An in-depth discussion of the New Jersey unfair claims statutes and regulations to assist producers in helping their clients through the claims process. 20 pages
New York City Department of Transportation permit bond requirements
An overview of the changes made by the New York City Department of Transportation regarding permit bonds for contractors doing work within the New York City metropolitan area. 2 pages
New York City passes sidewalk liability to property owners
An accurate summary of the new legislation whereby responsibility for claims is passed from New York City to property owners, in certain circumstances. 5 pages
New York cybersecurity regulation compliance checklist
A comprehensive checklist to assist association members in complying with the new cybersecurity regulation, which took effect Jan. 1, 2017. 1 page
New York laws regulating insurance agency advertising, giveaways, inducements and rebates
A comprehensive analysis of the insurance statutes and regulations as they relate to insurance agency advertisement efforts. 4 pages
New York loss runs
This resource kit discusses the laws relating to an insurer’s requirement to furnish loss runs. 2 pages
New York telemarketing rules
Comprehensive resource kit explaining the telemarketing law, facts on the "do not call" list and applicable regulations. 26 pages
NY HERO Act: What are your responsibilities?
This resource kit provides guidance on the NY HERO Act and offers guidance to employers for developing an airborne infectious disease prevention plan. 2 pages
NYPIUA shutdown fact sheet
A question-and-answer on what can be expected and events surrounding the shutdown of the New York Property Insurance Underwriting Association. 2 pages
Online marketing, social media and insurance advertising laws
A review of different states’ rules with regard to online marketing or advertising. 2 pages
PIA multistate windstorm and hurricane deductible guide
A comprehensive review of the hurricane deductible rules for Connecticut, New Hampshire, New Jersey, New York, Vermont and other neighboring states. 2 pages
PIA’s guide to the CAN-SPAM Act
An in-depth look at the Controlling the Assault of Non-Solicited Pornography and Marketing Act of 2003 and how it affects the insurance industry when using email solicitation. 6 pages
PIACT’s 2019 legislative wrap-up
An overview of the insurance-related bills and their recent actions, including those signed by Gov. Malloy during the past legislative session. 3 pages
PIANH 2018 legislative wrap-up
A recap of issues addressed in the recent legislative session and of particular interest to PIANH members. 2 pages
PIANH 2023 legislative priorities
A comprehensive look at PIANH’s major legislative priorities for the 2017 legislative session. 2 pages
PIANJ 2022 legislative priorities
A comprehensive look at PIANJ’s major legislative priorities for the 2022 legislative session. 2 pages
PIANY hails law raising auto surcharge threshold
A comprehensive look at Chapter 277 of the Laws of 2010 raising the auto threshold from $1,000 to $2,000. 2 pages
PIANY legislative wrap-up—2022
Offers an overview of 2022 insurance-related legislative bills and the governor’s subsequent action. 5 pages
PIANY’s 2023 legislative priorities
PIANY position paper on the legislative issues most important to insurance agents and brokers. 4 pages
PIAVT 2018 legislative wrap-up
An overview of the insurance-related bills and recent actions, including those signed into law during the past legislative session. 2 pages
Prejudice and the claims-made policy
This resource kit discusses what can happen when a claim is reported late to a carrier on a claims-made policy. 2 pages
Price optimization (or, how a goat is gotten)
This resource kit discusses the issues surrounding price optimization and how some states are dealing with it. 2 pages
Producer notification requirements regarding administrative actions
Outlines requirements in different states with regard to notifying the state insurance department when a producer is involved in an administrative action. 2 pages
Protect your agency: copyright and trademarks
A discussion of how to protect your agency with copyrights and trademarks. 2 pages
Providing maximum federal deposit insurance protection to premiums held in fiduciary capacity
A question-and-answer resource explaining the protection afforded by the Federal Deposit Insurance Corp. for premium accounts. 2 pages
Red Flags Rule—PIA offers guidance
Some of the most commonly asked questions about a producer’s requirement to comply with the Red Flags Rule. 2 pages
Regulation 79 and the weekend car deal
Important information to share with your clients on purchasing a vehicle over the weekend. 1 page
Rules on Electronic Transactions
A summary using a question-and-answer format of the rules adopted by the New Jersey Department of Banking and Insurance relating to electronic transactions. 3 pages
Sample customer letter: Explanation of an impending insurance company rate increase
A sample letter that producers can send to their customers letting them know of an impending rate increase by their insurance company. 1 page
Sample fax consent form
Sample fax consent form for agencies to use in getting their clients’ permission to fax to comply with the do-not-fax rule effective July 1, 2005. 1 page
Sample homeowners insurance effective date notice
A sample notice to provide real-estate lenders/closing offices regarding binders prior to closing dates. 3 pages
Summary of the Harbor Shuttle case
Overview of the pertinent facts in the Harbor Shuttle legal action. 3 pages
Summary of the Consolidated Appropriations Act of 2021 and sample disclosure form
An overview of the Consolidated Appropriations Act of 2021 requiring brokers and consultants to group health plans to disclose their compensation if they expect to receive $1,000 or more in direct or indirect compensation for providing their services. 3 pages
The Pinto decision—duty imposed on producers
An in-depth look at the Pinto decision and how it affects New Jersey producers and their obligations to their business automobile insureds, along with a corresponding sample letter. 5 pages
The commercial-lines deregulation law in New York state
Discussion of the effects this law could have on you and the customers you serve. 8 pages
The facts on New Jersey’s ’do-not-call’ law
Provides details of the law that prohibits telemarketers from making calls to New Jersey residents who place their names on a "do-not-call" list. 3 pages
The FYI on UVAs ASAP
This resource kit provides information on rules and regulations in place for the use of drones for agencies and underwriting purposes. 2 pages
The history and origins of state anti-rebating laws
This resource kit gives you the background and a firm understanding of state anti-rebating laws and how to apply them in a business context. 3 pages
Unfair claim settlement practices
Discusses what is considered to be unfair claims settlement practices by insurers according to Insurance Law. 1 page
Unfair claims practices—Regulation 64 and New York Insurance Law Section 2601
This resource kit discusses rules carriers must follow in respect to claims processing as set forth in Regulation 64. 2 pages
Unfair insurance trade practices
Discusses the Insurance Law that defines trade practices in the insurance business which constitute unfair methods of competition or unfair acts or practices. 5 pages
Upstate New York ride hailing becomes law
A review of the newly passed upstate New York ride-hailing legislation. 3 pages
Vermont laws regulating insurance agency advertising
A comprehensive analysis of the insurance statutes as they relate to insurance agency advertising efforts. 1 page
Violent Crime Control and Law Enforcement Act of 1994—the Reason Carriers are Conducting Background Checks on Their Agents
Outlines the requirements of the Violent Crime Control and Law Enforcement Act of 1994 and discusses the issue of agent background checks, as well as, information on carriers requesting Social Security numbers. 4 pages
Violent Crime Control and Law Enforcement Act of 1994—the reason carriers are conducting background checks on their agents
This resource kit outlines the requirements of the Violent Crime Control and Law Enforcement Act of 1994, and discusses the issue of agent background checks as well as information on carriers requesting Social Security numbers. 5 pages
Violent Crime Control and Law Enforcement Act of 1994—the reason carriers are conducting background checks on their agents
This resource kit outlines the requirements of the Violent Crime Control and Law Enforcement Act of 1994, and discusses the issue of agent background checks as well as information on carriers requesting Social Security numbers. 4 pages
Violent Crime Control and Law Enforcement Act of 1994—the reason carriers are conducting background checks on their agents
This resource kit outlines the requirements of the Violent Crime Control and Law Enforcement Act of 1994, and discusses the issue of agent background checks as well as information on carriers requesting Social Security numbers. 5 pages
Violent Crime Control and Law Enforcement Act of 1994—the reason carriers are conducting background checks on their agents
This resource kit outlines the requirements of the Violent Crime Control and Law Enforcement Act of 1994, and discusses the issue of agent background checks as well as information on carriers requesting Social Security numbers. 23 pages
What insurance producers should know about New York City Department of Buildings insurance requirements
A comprehensive review of the New York City Department of Buildings insurance requirements. 4 pages
What is bad faith?
A discussion about bad faith during the claims process. 2 pages
What you need to know about New Jersey’s new handgun liability insurance law
A discussion of the new handgun liability law which recently passed in New Jersey. 2 pages
What you need to know about New Jersey’s new insurance requirements law for landlords
An FAQ which outlines a New Jersey law requiring minimum liability limits for landlords. 2 pages
What you need to know about New Jersey’s new mandatory insurance requirements law for businesses
An FAQ on the mandatory insurance requirements for New Jersey businesses. 2 pages
What’s going on with the Dram Shop Act?
An in-depth look at the changes to Connecticut’s Dram Shop Act including sample customer letters to assist in explaining the new rules to your clients. 6 pages