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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
PIANY’s 2026 legislative priorities
A PIANY position paper on the legislative issues most important to insurance agents and brokers. 4 pages
PIANY legislative wrap-up—2026
Offers an overview of the 2026 legislative session on issues of importance to association members. 5 pages
New York credit card surcharge law
A comprehensive overview of the credit card surcharge law, which went into effect on Feb. 11, 2024.
New York tie-in sales: OGC Opinion 87-2
Text of an opinion of general counsel for New York state in which the New York State Department of Financial Services discusses tie-in sales, situations in which an insurer refuses to write a particular policy unless the insured purchases an additional policy. 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
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
Regulation 79 and the weekend car deal
Important information to share with your clients on purchasing a vehicle over the weekend. 1 page
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
The commercial-lines deregulation law in New York state
A discussion of the effects that this law could have on you and the customers you serve. 8 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
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
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
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 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 cyber security regulation compliance checklist—covered entities and Class A companies
A comprehensive checklist to assist association members in complying with the new cyber security regulation, which took effect Jan. 1, 2017. 1 page
Upstate New York ride hailing becomes law
A review of the newly passed upstate New York ride-hailing legislation. 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
New York loss runs
This resource kit discusses the laws relating to an insurer’s requirement to furnish loss runs. 2 pages
NY HERO Act: What are your responsibilities?
This resource kit provides guidance on the NY HERO Act and offers employers guidance for developing airborne infectious disease prevention plans. 2 pages
‘Steering’ to repair shops
This resource kit explains the law regarding the steering of policyholders to preferred repair facilities. 2 pages
Unfair claims practices—regulation 64 and New York Insurance Law Section 2601
This resource kit discusses rules that carriers must follow with respect to claims processing as set forth in Regulation 64. 2 pages
New York State Pay Transparency Act requirements
A comprehensive review of the requirements of the New York State Pay Transparency Act. 1 page
New York Credit Card Surcharge Law
A summary of New York’s Credit Card Surcharge Laws and what agents need to know
Explainer: How New York’s new cash-acceptance law affects insurance agencies
A primer on New York’s new cash‑acceptance law requiring insurance agencies with public‑facing offices to accept cash for in‑person consumer transactions, prompting agencies to update payment policies, train staff, and strengthen cash‑handling controls to remain compliant and avoid penalties.
National Association of Professional Insurance Agents 2026 issues of focus
An overview of the federal legislative issues papers that support the independent agency system and the consumers they protect. 10 pages
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
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
Sample fax consent form
A 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
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
Life insurance settlements—proceed with care
Comprehensive review of life-settlement arrangements and how they can affect your insureds. 9 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
Producer notification requirements regarding administrative actions
Outlines requirements in different states regarding to notifying the state insurance department when a producer is involved in an administrative action. 2 pages
PIA offers guidance on the Red Flag Rule
Some of the most asked questions about a producer’s requirement to comply with the Red Flags Rule. 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
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
Online marketing, social media, and insurance advertising laws
A review of different states’ rules regarding to online marketing or advertising. 2 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
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
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
The unmanned aerial vehicle
This resource kit provides information on rules and regulations in place for the use of drones for agencies and underwriting purposes. 2 pages
Sample homeowners insurance effective date notice
A sample notice to provide real-estate lenders and closing offices regarding binders prior to closing dates. 3 pages
What is bad faith?
A discussion about bad faith during the claims process. 2 pages
An engaging article on the e-delivery of documents
A discussion of the importance of following the law when it comes to the e-delivery of insurance documents. 3 pages
National Association of Insurance Commissioners’ Pet Insurance Model Act
A model developed by the NAIC regarding pet insurance. 2 pages
Protect your agency—copyright and trademarks
A discussion of how to protect your agency with copyrights and trademarks. 2 pages
Distorted patents and exorbitant premiums
Offers information on the background of patents and why they are costly to insure. 2 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 their services. 3 pages
Corporate Transparency Act
An overview of the federal Corporate Transparency Act requirements. 2 pages
2024 overtime rule overturned by federal court
A summary of the background of the overtime rule, the 2024 rule, its legal challenge, and the court ruling that followed. 2 pages
What is third-party litigation funding? How it works and its impact on insuranceÂ
An explanation of how third-party litigation funding affects insurance. 2 pages