reglab/housing_qa huggingface dataset:
MD. Insurance Code Ann. §  10-802 (2021)
2021 Maryland Statutes|Insurance|Title 10 - Regulation of Insurance Professions|Subtitle 8 - Self-Service Storage Producers|Section 10-802 - License Required; Exception

    (a)    The Commissioner shall issue a limited lines license as a self–service storage producer to:        (1)    an owner of a self–service storage facility who meets the requirements of this subtitle; and        (2)    an individual who:            (i)    is designated by the owner as responsible for the owner’s compliance with insurance laws, rules, and regulations of the State; and            (ii)    meets the requirements of this subtitle.    (b)    A limited lines license as a self–service storage producer authorizes the licensee to offer or sell insurance only:        (1)    in connection with and incidental to the rental of storage space at a self–service storage facility on a master, a corporate, a commercial, a group, or an individual policy basis; and        (2)    with respect to personal property insurance that provides coverage to occupants at the self–service storage facility, for the loss of or damage to stored personal property that occurs at the self–service storage facility.    (c)    An owner of a self–service storage facility may not offer or sell insurance under this subtitle unless the owner, as a business entity:        (1)    holds a limited lines license under this subtitle; and        (2)    has a designated responsible producer.    (d)    An owner of a self–service storage facility is not required to be licensed under this subtitle merely to display and make available to prospective occupants brochures and other promotional materials created by or on behalf of an authorized insurer provided that the owner does not engage in the sale, solicitation, or negotiation of insurance advertised in the brochures and promotional materials.
MD. Insurance Code Ann. §  10-803 (2021)
2021 Maryland Statutes|Insurance|Title 10 - Regulation of Insurance Professions|Subtitle 8 - Self-Service Storage Producers|Section 10-803 - Application

    (a)    An applicant for a limited lines license as a self–service storage  producer shall file a written application with the Commissioner in the form the Commissioner requires.    (b)    The application shall include:        (1)    the physical address of the company headquarters of the self–service storage  producer; and        (2)    a list of all self–service storage facilities where the self–service storage  producer will conduct business under the limited lines license.
MD. Insurance Code Ann. §  10-804 (2021)
2021 Maryland Statutes|Insurance|Title 10 - Regulation of Insurance Professions|Subtitle 8 - Self-Service Storage Producers|Section 10-804 - Separate Licenses Not Required; Notification of Locations

    (a)    A self–service storage  producer is not required to have a separate limited lines license for each self–service storage facility where insurance is offered or sold.    (b)    A self–service storage  producer shall notify the Commissioner of:        (1)    any additional locations of self–service storage facilities in the State where the self–service storage  producer will do business under the limited lines license within 30 days after commencing business at those locations; and        (2)    those locations of self–service storage facilities in the State where the self–service storage  producer will cease to do business under the limited lines license within 30 days after ceasing business at those locations.
MD. Insurance Code Ann. §  10-805 (2021)
2021 Maryland Statutes|Insurance|Title 10 - Regulation of Insurance Professions|Subtitle 8 - Self-Service Storage Producers|Section 10-805 - Continuing Education Not Required

    A self–service storage producer is not required to meet the continuing education requirements for insurance producers under Subtitle 1 of this title.
MD. Insurance Code Ann. §  10-806 (2021)
2021 Maryland Statutes|Insurance|Title 10 - Regulation of Insurance Professions|Subtitle 8 - Self-Service Storage Producers|Section 10-806 - General Requirements

    A self–service storage producer may not offer or sell insurance under this subtitle unless:         (1)    the self–service storage producer makes readily available to prospective occupants brochures or other written materials that:            (i)    summarize the material terms of insurance coverage offered to occupants, including the identity of the insurer and the price, benefits, deductibles, exclusions, and conditions of the insurance;            (ii)    disclose that the policies offered by the self–service storage producer may provide coverage that is comparable to coverage already provided by an occupant’s homeowner’s insurance policy, renter’s insurance policy, vehicle insurance policy, watercraft insurance policy, or other type of property insurance coverage;            (iii)    state whether the purchase of coverage under a policy offered under this subtitle would make the coverage primary to any other coverage, including duplicate coverage;            (iv)    state that the purchase of insurance coverage is not required as a condition of rental at a self–service storage facility if the occupant presents evidence of other applicable insurance coverage;            (v)    describe the process for filing a claim; and            (vi)    include contact information for filing a complaint with the Commissioner;        (2)    all costs related to the insurance are stated in writing;        (3)    evidence of coverage in a form approved by the Commissioner is provided to each occupant who purchases the coverage;        (4)    the insurance is provided by an insurer authorized to transact the applicable kinds of insurance in the State; and        (5)    as a condition of the sale of insurance, the self–service storage producer:            (i)    requires the occupant to execute a document acknowledging the amount of coverage under the policy purchased; and            (ii)    if the occupant has contents in the leased space of a value greater than the coverage under the policy:                1.    advises the occupant in writing to contact a property and casualty insurance producer licensed under Subtitle 1 of this title to obtain additional coverage to reflect the value of the contents in the leased space; and                2.    requires the occupant to acknowledge receipt of the notice under item 1 of this item.
MD. Insurance Code Ann. §  10-807 (2021)
2021 Maryland Statutes|Insurance|Title 10 - Regulation of Insurance Professions|Subtitle 8 - Self-Service Storage Producers|Section 10-807 - Responsibilities for Employees or Authorized Representatives

    (a)    An employee or authorized representative of a self–service storage producer may act on behalf of and under the supervision of the self–service storage producer in matters relating to the conduct of business under a limited lines license issued under this subtitle if the employee or authorized representative receives the training under § 10–808 of this subtitle.    (b)    The conduct of an employee or authorized representative of a self–service storage producer acting within the scope of employment or agency is considered to be the conduct of the self–service storage producer for purposes of this subtitle.    (c)    The designated responsible producer:        (1)    is responsible for the acts of the employees or authorized representatives of the owner who offer or sell limited lines insurance, as authorized under this subtitle, on behalf of the owner;        (2)    shall use reasonable means to ensure compliance by the employees or authorized representatives with this subtitle;        (3)    shall maintain a register, on a form the Commissioner requires, of each employee or authorized representative of the owner who offers limited lines insurance on behalf of the owner; and        (4)    shall submit the register for inspection by the Commissioner within 30 days after receiving a request by the Commissioner for inspection.
MD. Insurance Code Ann. §  10-808 (2021)
2021 Maryland Statutes|Insurance|Title 10 - Regulation of Insurance Professions|Subtitle 8 - Self-Service Storage Producers|Section 10-808 - Training Program

    (a)    Each self–service storage producer shall provide a training program approved by the Commissioner for employees and authorized representatives of the self–service storage producer.    (b)    The training program required by subsection (a) of this section shall:        (1)    include general information about homeowners, renters, business, and similar insurance that an occupant may have that may provide coverage for property located in a self–storage facility;        (2)    include information about the material terms of insurance coverage offered to occupants under this subtitle, including the price, benefits, deductibles, exclusions, and conditions of the insurance;        (3)    provide basic instruction about the provisions of this subtitle; and        (4)    include any other information the Commissioner may require.
MD. Insurance Code Ann. §  10-809 (2021)
2021 Maryland Statutes|Insurance|Title 10 - Regulation of Insurance Professions|Subtitle 8 - Self-Service Storage Producers|Section 10-809 - Prohibited Acts

    A self–service storage producer or any of its employees or authorized representatives may not:         (1)    offer or sell insurance except in connection with and incidental to the rental of space at a self–service storage facility; or        (2)    advertise, represent, or otherwise hold themselves out as authorized insurers or licensed insurance producers.
MD. Insurance Code Ann. §  10-810 (2021)
2021 Maryland Statutes|Insurance|Title 10 - Regulation of Insurance Professions|Subtitle 8 - Self-Service Storage Producers|Section 10-810 - Suspensions Of, Revocations Of, or Refusals to Renew Licenses

    (a)    The Commissioner may suspend, revoke, or refuse to renew a limited lines license issued under this subtitle after notice and opportunity for a hearing under Title 2, Subtitle 2 of this article if the self–service storage producer or an employee or authorized representative of the self–service storage producer who offers or sells limited lines insurance on behalf of the self–service storage producer has:        (1)    willfully violated this article or another law of the State that relates to insurance;        (2)    operated without a limited lines license as required under this subtitle;        (3)    failed to provide the disclosures required under § 10–806 of this subtitle;        (4)    offered or sold unapproved insurance products;        (5)    failed to train employees or authorized representatives as required under § 10–808 of this subtitle; or        (6)    misrepresented pertinent facts or policy provisions concerning a policy for a self–service storage facility.    (b)    Instead of, or in addition to, suspending or revoking a limited lines license issued under this subtitle, the Commissioner may:        (1)    impose on the self–service storage producer a penalty of not more than $2,500 for each violation of this subtitle; and        (2)    require that restitution be made to any person who has suffered financial injury because of a violation of this subtitle.
MD. Insurance Code Ann. §  10-811 (2021)
2021 Maryland Statutes|Insurance|Title 10 - Regulation of Insurance Professions|Subtitle 8 - Self-Service Storage Producers|Section 10-811 - Subtitle Not Construed to Prohibit Commissions, Service Fees, or Other Consideration

    This subtitle may not be construed to prohibit:         (1)    an insurer from paying and a self–service storage producer from receiving a commission, service fee, or any other valuable consideration dependent on the sale of insurance; or        (2)    the payment of compensation by the self–service storage producer to an employee or authorized representative who offers or sells limited lines insurance that is incidental to the employee’s or authorized representative’s overall compensation and not dependent on the sale of insurance.
MD. Insurance Code Ann. §  10-812 (2021)
2021 Maryland Statutes|Insurance|Title 10 - Regulation of Insurance Professions|Subtitle 8 - Self-Service Storage Producers|Section 10-812 - Regulations

    The Commissioner may adopt regulations to carry out this subtitle, including regulations concerning:        (1)    the form and content of required disclosures to customers;        (2)    the training requirements for employees or authorized representatives who offer or sell limited lines insurance under this subtitle; and        (3)    the qualifications of the individuals who provide the training required under § 10–808 of this subtitle.
MD. Insurance Code Ann. §  11-101 (2021)
2021 Maryland Statutes|Insurance|Title 11 - Insurance Rating Law|Subtitle 1 - Definitions|Section 11-101 - Definitions

    (a)    In this title the following words have the meanings indicated.    (b)    “Advisory organization” means a group, association, or other organization of insurers, located within or outside the State, that helps insurers that make their own filings or rating organizations in rate making, by collecting and providing loss or expense statistics or by submitting recommendations, but that does not make filings under this title.    (c)    “Rate” means rate of premium, policy or membership fee, or another charge made by an insurer for or in connection with an insurance contract or policy.    (d)    “Rating organization” means a person licensed under § 11-218 of this title.    (e)    “Supplementary rate information” includes a manual or plan of rates, statistical plan, classification, rating schedule, minimum premium, policy fee, rating rule, rate-related underwriting rule, minimum rate, class rate, rating plan, manual or schedule of rates or premiums, rule or regulation that governs the setting or making of rates or premiums, and any other information, not otherwise inconsistent with the purposes of this title, that the Commissioner requires by regulation.    (f)    “Working day” means a day when the Administration is open for business.
MD. Insurance Code Ann. §  11-401 (2021)
2021 Maryland Statutes|Insurance|Title 11 - Insurance Rating Law|Subtitle 4 - Title Insurance Rating|Section 11-401 - Scope of Subtitle

    (a)    This subtitle applies to all kinds and classes of insurance that:        (1)    insure or guarantee titles to real or leasehold property or an estate in real or leasehold property;        (2)    insure or guarantee against loss by reason of defects, encumbrances, liens, or charges on real or leasehold property or an estate in real or leasehold property;        (3)    insure or guarantee the validity, priority, and status of liens on real or leasehold property or an estate in real or leasehold property; or        (4)    insure or guarantee the correctness and sufficiency of searches for instruments, liens, charges, or other matters affecting the title to real or leasehold property or an estate in real or leasehold property.    (b)    This subtitle applies to a person that makes guarantees or issues insurance described in subsection (a) of this section.
MD. Insurance Code Ann. §  11-402 (2021)
2021 Maryland Statutes|Insurance|Title 11 - Insurance Rating Law|Subtitle 4 - Title Insurance Rating|Section 11-402 - Rate Making Principles Generally

    (a)    All title insurance rates shall be made in accordance with this section.    (b)    Rates shall be reasonable and adequate for the class of risks to which they apply.    (c)    Rates may not discriminate unfairly between risks that involve essentially the same hazards and expense elements.    (d)    Due consideration shall be given to:        (1)    past and prospective loss experience within and outside the State;        (2)    a reasonable margin for profit and contingencies;        (3)    the cost of participating insurance;        (4)    the percentage to be allocated to reserve;        (5)    operating expenses; and        (6)    all other relevant factors fairly attributable to the business of title insurance.    (e)    (1)    Guarantees may be grouped by classifications for the establishment of rates and minimum premiums.        (2)    A special or unusual guarantee that is more hazardous to the title insurer than ordinary title guarantees because of an alleged irregularity or a difference in interpretation or application of law that might affect marketability of title, may be classified individually and separately according to the circumstances peculiar to each case.
MD. Insurance Code Ann. §  11-403 (2021)
2021 Maryland Statutes|Insurance|Title 11 - Insurance Rating Law|Subtitle 4 - Title Insurance Rating|Section 11-403 - Rate Filings

    (a)    (1)    Except as otherwise provided in this subsection, each title insurer shall file with the Commissioner all rates or premiums, supplementary rate information, forms of contracts, policies, or guarantees of insurance, and all modifications of contracts, policies, or guarantees of insurance that it proposes to use.        (2)    A filing is not required for rates or premiums for a special or unusual guarantee as described in § 11–402(e)(2) of this subtitle.    (b)    Each filing shall indicate the character or extent of coverage contemplated under the rates and premiums for which it is made.    (c)    A title insurer may not make a change in rates or premiums or in the forms of contracts, policies, or guarantees of insurance unless a report that indicates the change has been filed with and approved by the Commissioner.    (d)    A title insurer may satisfy its obligation to make filings by:        (1)    being a member of or a subscriber to a licensed title rating organization that makes filings; and        (2)    authorizing the Commissioner to accept filings on its behalf from the title rating organization.
MD. Insurance Code Ann. §  11-404 (2021)
2021 Maryland Statutes|Insurance|Title 11 - Insurance Rating Law|Subtitle 4 - Title Insurance Rating|Section 11-404 - Approval or Disapproval of Filings

    (a)    (1)    Unless the Commissioner finds that a filing does not meet the requirements of this subtitle or is otherwise contrary to law, the Commissioner shall approve the filing.        (2)    As soon as reasonably possible after a filing is made, the Commissioner shall approve or disapprove the filing in writing.        (3)    If the Commissioner disapproves a filing, the Commissioner shall specify the ways that the Commissioner finds that the filing fails to meet the requirements of this subtitle or is otherwise contrary to law.    (b)    (1)    This subsection does not apply to filings by a rating organization on behalf of title insurers that are members or subscribers of the rating organization.        (2)    If a filing is not disapproved by the Commissioner within 15 days after the date of filing, or within 30 days after the date of filing if the Commissioner extends the waiting period in writing during the initial 15–day period, the filing is deemed approved and the effective date of the filing is the end of the 15–day or 30–day waiting period.    (c)    (1)    The Commissioner shall hold a hearing to review the approval or disapproval of a filing under this section if:            (i)    after approval of the filing, the Commissioner finds that the filing does not meet the requirements of this subtitle or is otherwise contrary to law;            (ii)    a person with an interest in the filing makes a complaint to the Commissioner in writing that sets forth specific and reasonable causes for complaint; or            (iii)    a title insurer or a rating organization on behalf of its members or subscribers, on notice of disapproval by the Commissioner under this section, requests a hearing.        (2)    A hearing under this subsection shall be held within 30 days after the occurrence of an action specified in paragraph (1) of this subsection.        (3)    The Commissioner shall give written notice of the hearing to all interested parties.        (4)    The Commissioner may confirm, modify, change, or rescind any previous action, if warranted by the facts shown at the hearing.
MD. Insurance Code Ann. §  11-405 (2021)
2021 Maryland Statutes|Insurance|Title 11 - Insurance Rating Law|Subtitle 4 - Title Insurance Rating|Section 11-405 - Financial Data and Other Information

    (a)    The Commissioner shall require that each title insurer subject to this subtitle provide to the Commissioner on a uniform basis financial data and any other information that the Commissioner requires in the regulation of rates.    (b)    The financial data to be provided shall include:        (1)    rates, taxes, general expenses, allocated and unallocated loss adjustment expenses, licenses, and fees; and        (2)    all other expenses that relate to the procurement of business not specifically listed as commissions, including dividends, retainers, stock, office space, or any other valuable consideration.    (c)    The information to be provided under this section shall be supplied on forms provided by the Commissioner.
MD. Insurance Code Ann. §  11-406 (2021)
2021 Maryland Statutes|Insurance|Title 11 - Insurance Rating Law|Subtitle 4 - Title Insurance Rating|Section 11-406 - Exchange of Information and Experience Data

    To further more equitable establishment and adjustment of rates and premiums and forms of contracts, policies, or guarantees of insurance, the Commissioner and each title insurer may:         (1)    exchange information and experience data with each other, with insurance supervisory officials and insurers in other states, and with national organizations and associations; and        (2)    consult and cooperate with them about rate and premium making and forms of contracts, policies, and guarantees of insurance.
MD. Insurance Code Ann. §  11-407 (2021)
2021 Maryland Statutes|Insurance|Title 11 - Insurance Rating Law|Subtitle 4 - Title Insurance Rating|Section 11-407 - Prohibited Contracts, Policies, and Guarantees of Insurance; Commissions Authorized

    (a)    A title insurer may not make or issue a contract, policy, or guarantee of insurance except in accordance with filings approved as provided in this subtitle, except for special or unusual risks for which a filing has not yet been provided.    (b)    Each title insurer must hold to the rates or premiums as approved by the Commissioner and may not deviate from the rates or premiums or allow to or for the account of an insured a rebate or discount on the rates or premiums payable.    (c)    A title insurer may pay or allow a commission to a licensed insurance producer of the title insurer as compensation for procuring business.
MD. Insurance Code Ann. §  11-408 (2021)
2021 Maryland Statutes|Insurance|Title 11 - Insurance Rating Law|Subtitle 4 - Title Insurance Rating|Section 11-408 - False or Misleading Information

    A person may not knowingly give false or misleading information to the Commissioner, an insurer, or another person if the information will affect the proper determination of rates or premiums or the proper issuance of a contract, policy, or guarantee of insurance.