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  1. URL does not need to be a licensed name | Ask PIA

    Our agency’s URL is different than the name that appears on our agency license. Does using this URL cause any issues? Specifically, do we need to be licensed under that name?

    Having a URL that does not exactly conform to your licensed name should not be an issue. The New York Office of General Counsel, which is the legal arm of the New York State Department of Financial Services, actually issued an opinion that is directly on point with your question....

  2. Soliciting door to door | Ask PIA

    I understood that my agent/broker/producer license gives me the authority to sell, negotiate and solicit insurance across my entire state. However, I was going door-to-door leaving advertising door hangers and was stopped by a law-enforcement officer and was told I could not solicit in that town/city/village, or at least not...

    You are correct in interpreting your license as granting you the right to sell, negotiate and solicit insurance business all across your entire state of licensure. Soliciting as defined in the insurance laws of a state and soliciting as contemplated by a town’s ordinances are different concepts, though. A private...

  3. ChoicePoint/Lexis Nexis Insurance Exchange MVRs—sponsoring company | Ask PIA

    I contacted LexisNexis Risk Solutions Inc. to pull a motor vehicle record for a client, but was told that I needed to have a “sponsoring company” before they would allow me to go forward. Can you shed some light on this?

    LexisNexis Risk Solutions Inc.’s internal rules require an agency to have a sponsoring company. The following statement is shown on the LexisNexis service application: A minimum of one sponsor is required. You may reference up to six total sponsors to assist us with the proper setup of your account. If...

  4. Neighbor’s tree | Ask PIA

    I have a homeowners insured and their neighbor has a dead tree on their property that is leaning toward the insured’s home. The insured has contacted the neighbor about the tree, but the neighbor has done nothing about it. What further action can the insured take?

    There is an underlying legal theory known as the “ad coelum doctrine”—which in simple English means that ownership of property extends to the edges of the universe, upward as well as downward. In other words, if you own land, your ownership rights extend to the center of the earth as...

  5. Termination run-off periods | Ask PIA

    What are the agency termination run-off periods in Vermont?

    If a company terminates your agency appointment, you as an agent have rights. Contracts and/or state laws outline the run-off period following termination; this is the period of time after termination in which a carrier must continue to renew and pay commissions on policies you wrote when you represented the...

  6. Licensing for Canada | Ask PIA

    What steps must I take to become licensed to sell insurance in Canada?

    Like the U.S., Canada licenses producers on a state-by-state or province-by-province basis. Thus, you should identify the provinces you are interested in selling insurance in. Given the proximity of Quebec and Ontario to PIACT, PIANH, PIANJ, PIANY and PIAVT’s service area, we have included licensing information on those two provinces....

  7. Change in coverage by nonadmitted carrier | Ask PIA

    In Connecticut when a carrier is going to substantially change the terms of coverage (e.g., adding an exclusion), to my knowledge, they are required to provide 60 days’ notice to the insured by statute. Does this apply to a nonadmitted carrier?

    Surplus lines is subject to the termination statutes of Section 38a-323: "No insurer shall refuse to renew any policy that is subject to the requirements of Sections 38a-663 to 38a-696, inclusive, unless such insurer or its agent sends, by registered or certified mail or by...

  8. Student interns | Ask PIA

    I have an insured who conducts research sessions and puts the results in a report which is presented to the client. They occasionally hire students to compile the results and type it up. Do they need to keep a workers’ compensation policy for them?

    In a word—yes. The Connecticut Workers’ Compensation Act defines “employee” to mean any person who “has entered into or works under any contract of service or apprenticeship with an employer whether the contract contemplated the performance of duties within or outside the state.” If they are an employee, they need...

  9. PAIP certification—principals | Ask PIA

    We have a principal who is still on the agency’s New Jersey Personal Automobile Insurance Plan certification, but he has retired. Do we need to remove him entirely now or wait until he’s totally out of the picture? He’s still an owner, just no longer involved in the insurance business....

    First, you do not need to remove the retired owner. You can just put on the certification document that he is retired and no longer transacting business. Secondly, ALL principals need to be certified, as well as anyone else who will be transacting Plan business in your office.

  10. Calculating the 60-45 day-notice time frame for personal lines | Ask PIA

    An insurance company sent a homeowner client of ours a nonrenewal notice. It was mailed on Oct. 1, and the policy expiration date is Nov. 30. Is this a valid nonrenewal notice, or did they send it too soon? It seems to us that they provided 61 days’ notice, which...

    The company is “just” within the legal timeframe for mailing. You have correctly cited the wording of the Insurance Law Section 3425 governing homeowners, personal auto and other personal-lines nonrenewals: Unless the insurer, at least 45 but not more than 60 days in advance of the...

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