reglab/housing_qa huggingface dataset:
IA Code § 517.2 (2021)
2021 Iowa Code|Title XIII - COMMERCE|Chapter 517 - EMPLOYERS LIABILITY INSURANCE|Section 517.2 - Terms defined.

517.2 Terms defined.   As used in this chapter, unless the context otherwise requires:   1. a. “Earned premiums” shall include gross premiums charged on all policies written, including all determined excess and additional premiums, less returned premiums, other than premiums returned to policyholders as dividends, and less reinsurance premiums and premiums on policies canceled, and less unearned premiums on policies in force.   b. Any participating company which has charged in its premiums a loading solely for dividends shall not be required to include such loading in its earned premiums, provided a statement of the amount of such loading has been filed with and approved by the commissioner of insurance.   2. “Compensation” shall relate to all insurances affected by virtue of statutes providing compensation to employees for personal injuries irrespective of fault of the employer.   3. “Liability” shall relate to all insurance, except compensation insurance, against loss or damage from accident to or injuries suffered by an employee or other person and for which the insured is liable.   4. “Loss payments” and “loss expense payments” shall include all payments to claimants, including payments for medical and surgical attendance, legal expenses, salaries and expenses of investigators, and field personnel, rents, stationery, telegraph and telephone charges, postage, salaries and expenses of office employees, home office expenses, and all other payments made on account of claims, whether such payments shall be allocated to specific claims or unallocated.  [C24, 27, 31, 35, 39, §9026; C46, 50, 54, 58, 62, 66, 71, 73, 75, 77, 79, 81, §517.2]  2015 Acts, ch 30, §166
IA Code § 517.4 (2021)
2021 Iowa Code|Title XIII - COMMERCE|Chapter 517 - EMPLOYERS LIABILITY INSURANCE|Section 517.4 - Reports required.

517.4 Reports required.   Each insurer that writes liability or compensation policies shall include in the annual statement required by law a schedule of its experience thereunder in such form as the commissioner of insurance may prescribe.  [C24, 27, 31, 35, 39, §9028; C46, 50, 54, 58, 62, 66, 71, 73, 75, 77, 79, 81, §517.4]  Annual statement, §515.63
IA Code § 517.5 (2021)
2021 Iowa Code|Title XIII - COMMERCE|Chapter 517 - EMPLOYERS LIABILITY INSURANCE|Section 517.5 - Inspection not basis for civil liability.

517.5 Inspection not basis for civil liability.   No inspection of any place of employment made by insurance company inspectors or other inspectors inspecting for group self-insurance purposes shall be the basis for the imposition of civil liability upon the inspector or upon the insurance company employing the inspector or upon any group organized for self-insurance purposes which employs an inspector and is regulated by the insurance departments; but this provision refers only to liability arising out of the making of an inspection and shall not be construed to deny or limit the liability of any employer to the employer’s employees or the liability of any insurance carrier on its insurance policy.  [C79, 81, §517.5]
IA Code § 517.6 (2021)
2021 Iowa Code|Title XIII - COMMERCE|Chapter 517 - EMPLOYERS LIABILITY INSURANCE|Section 517.6 - Issuance of employers’ liability coverage.

517.6 Issuance of employers’ liability coverage.   An insurer intending to issue a policy providing employers’ liability insurance only and covering a corporate officer excluded from workers’ compensation coverage by the signing of a written rejection of workers’ compensation coverage under section 87.22, shall file the policy with and obtain the approval of the commissioner of insurance. The filing shall include the premium rates which will apply to the employers’ liability coverage.  83 Acts, ch 36, §6, 8
IA Code § 517A.1 (2021)
2021 Iowa Code|Title XIII - COMMERCE|Chapter 517A - LIABILITY INSURANCE FOR PUBLIC EMPLOYEES|Section 517A.1 - Authority to purchase.

517A.1 Authority to purchase.   All state commissions, departments, boards and agencies and all commissions, departments, boards, districts, municipal corporations and agencies of all political subdivisions of the state of Iowa not otherwise authorized are hereby authorized and empowered to purchase and pay the premiums on liability, personal injury and property damage insurance covering all officers, proprietary functions and employees of such public bodies, including volunteer fire fighters, while in the performance of any or all of their duties including operating an automobile, truck, tractor, machinery or other vehicles owned or used by said public bodies, which insurance shall insure, cover and protect against individual personal, corporate or quasi corporate liability that said bodies or their officers or employees may incur.   The form and liability limits of any such liability insurance policy purchased by any commission, department, board, or agency of the state of Iowa shall be subject to the approval of the attorney general.  [C54, 58, 62, 66, 71, 73, 75, 77, 79, 81, §517A.1]
IA Code § 518.1 (2021)
2021 Iowa Code|Title XIII - COMMERCE|Chapter 518 - COUNTY MUTUAL INSURANCE ASSOCIATIONS|Section 518.1 - Incorporation.

518.1 Incorporation.   Corporations formed to operate as county mutual insurance associations shall be governed by the provisions of chapter 491, except as modified by the provisions of this chapter.  [C66, 71, 73, 75, 77, 79, 81, §518.1]
IA Code § 518.2 (2021)
2021 Iowa Code|Title XIII - COMMERCE|Chapter 518 - COUNTY MUTUAL INSURANCE ASSOCIATIONS|Section 518.2 - Articles — approval — bylaws.

518.2 Articles — approval — bylaws.   The articles of incorporation, and any subsequent amendments, of an organization shall be filed with and approved by the commissioner of insurance before filing with the secretary of state. The organization shall file with the commissioner bylaws and subsequent amendments to the bylaws within thirty days of adoption of the bylaws or amendments.  [C66, 71, 73, 75, 77, 79, 81, §518.2]  99 Acts, ch 165, §15; 2009 Acts, ch 145, §26
IA Code § 518.3 (2021)
2021 Iowa Code|Title XIII - COMMERCE|Chapter 518 - COUNTY MUTUAL INSURANCE ASSOCIATIONS|Section 518.3 - Certificate — recording.

518.3 Certificate — recording.   If the commissioner of insurance approves the articles of incorporation, the commissioner shall so certify and the articles with the certificates of approval shall then be recorded and certified by the secretary of state.  [C66, 71, 73, 75, 77, 79, 81, §518.3]
IA Code § 518.4 (2021)
2021 Iowa Code|Title XIII - COMMERCE|Chapter 518 - COUNTY MUTUAL INSURANCE ASSOCIATIONS|Section 518.4 - Identification as to type of insurer.

518.4 Identification as to type of insurer.   Any association incorporated under the laws of this state for the purpose of furnishing insurance as provided for in this chapter shall be known as a county mutual insurance association. The words “mutual” and “association” shall be incorporated in and become a part of its name.  [C97, §1760; S13, §1759-b; C24, 27, 31, 35, 39, §9030; C46, 50, 54, 58, 62, §518.2; C66, 71, 73, 75, 77, 79, 81, §518.4]
IA Code § 518.5 (2021)
2021 Iowa Code|Title XIII - COMMERCE|Chapter 518 - COUNTY MUTUAL INSURANCE ASSOCIATIONS|Section 518.5 - Commencement of business — conditions.

518.5 Commencement of business — conditions.   A county mutual insurance association formed on or after July 1, 2009, shall not issue policies until applications for insurance of not less than one hundred thousand dollars, representing at least two hundred applicants, have been received, and no application for insurance during the period of organization shall exceed two percent of the amount required for organization, any reinsurance taking effect simultaneously with the policy being deducted in determining such maximum single risk.  [C66, 71, 73, 75, 77, 79, 81, §518.5]  2009 Acts, ch 145, §27
IA Code § 518.6 (2021)
2021 Iowa Code|Title XIII - COMMERCE|Chapter 518 - COUNTY MUTUAL INSURANCE ASSOCIATIONS|Section 518.6 - Powers of the members.

518.6 Powers of the members.   Members of the association shall have the power to make or amend articles of incorporation at any membership meeting, provided that notice of such addition or amendment has been mailed to each member at least ten days in advance of the meeting in which such proposed action is to be considered, and provided that no amendment shall become effective until approved by the commissioner of insurance and recorded in the office of the secretary of state.  [C66, 71, 73, 75, 77, 79, 81, §518.6]
IA Code § 518.7 (2021)
2021 Iowa Code|Title XIII - COMMERCE|Chapter 518 - COUNTY MUTUAL INSURANCE ASSOCIATIONS|Section 518.7 - Officers and directors — election.

518.7 Officers and directors — election.   Officers or directors shall be elected in the manner and for the length of time prescribed in the articles of incorporation. The same person shall not simultaneously hold the offices of president and secretary. A director shall be a member of the association.  [C66, 71, 73, 75, 77, 79, 81, §518.7]  97 Acts, ch 186, §22; 2000 Acts, ch 1023, §35
IA Code § 518.8 (2021)
2021 Iowa Code|Title XIII - COMMERCE|Chapter 518 - COUNTY MUTUAL INSURANCE ASSOCIATIONS|Section 518.8 - Bylaws.

518.8 Bylaws.   The directors of the association shall have the authority to enact such bylaws and regulations not inconsistent with law as they consider necessary for the regulation and conduct of the business. No change in the bylaws shall have the effect of limiting coverage under existing policies of insurance. An association shall file with the commissioner bylaws and subsequent amendments to the bylaws within thirty days of the adoption of the bylaws and amendments.  [C66, 71, 73, 75, 77, 79, 81, §518.8]  2000 Acts, ch 1023, §36
IA Code § 518.9 (2021)
2021 Iowa Code|Title XIII - COMMERCE|Chapter 518 - COUNTY MUTUAL INSURANCE ASSOCIATIONS|Section 518.9 - Eligibility for membership.

518.9 Eligibility for membership.   The members of the association shall consist of those persons or organizations insured therein. The words “persons” and “members” as used in this chapter shall be construed to mean trustees, administrators, and all other individuals, public or private corporations or associations. Insurance on the property of one or more minors may be granted on application of an adult parent, friend or guardian who consents to become a member as representing such minor.  [C66, 71, 73, 75, 77, 79, 81, §518.9]
IA Code § 518.10 (2021)
2021 Iowa Code|Title XIII - COMMERCE|Chapter 518 - COUNTY MUTUAL INSURANCE ASSOCIATIONS|Section 518.10 - Territorial limitations.

518.10 Territorial limitations.   The territory of any association shall be limited to the county in which its principal place of business is located, and to the counties contiguous thereto, and no coverage shall be placed on property located outside of this territory; provided, however, that the insurance may be extended, if the policy so provides, to cover personal property while temporarily removed to other locations.  [C97, §1760; S13, §1759-b; C24, 27, 31, 35, 39, §9030; C46, 50, 54, 58, 62, §518.2; C66, 71, 73, 75, 77, 79, 81, §518.10]
IA Code § 518.11 (2021)
2021 Iowa Code|Title XIII - COMMERCE|Chapter 518 - COUNTY MUTUAL INSURANCE ASSOCIATIONS|Section 518.11 - Kinds of insurance.

518.11 Kinds of insurance.   1. Any association organized under this chapter is authorized to insure or to accept reinsurance against loss or damage by:   a. Any peril or perils resulting in physical loss or damage to property;   b. Theft of personal property;   c. Injury, sickness or death of animals and the furnishing of veterinary service.   2. Such contracts of insurance shall be subject only to such provisions as are contained in this chapter and shall consist of:   a. An application on blanks furnished by the association and signed by the insured or the insured’s representatives;   b. A policy issued by the association in accordance with its rules, and approved by the commissioner of insurance.  [C66, 71, 73, 75, 77, 79, 81, §518.11]  2012 Acts, ch 1023, §157  Referred to in §518.17
IA Code § 518.12 (2021)
2021 Iowa Code|Title XIII - COMMERCE|Chapter 518 - COUNTY MUTUAL INSURANCE ASSOCIATIONS|Section 518.12 - Properties to be insured.

518.12 Properties to be insured.   County mutual insurance associations are permitted to insure only the following classes of property:   1. Farm property, including residences and other farm buildings and all classes of personal property in connection therewith;   2. Buildings and personal property used in the processing of agricultural products in conjunction with a farming operation;   3. City and suburban residences, including household and personal effects;   4. Churches, schools and community buildings.  [C66, 71, 73, 75, 77, 79, 81, §518.12]
IA Code § 518.13 (2021)
2021 Iowa Code|Title XIII - COMMERCE|Chapter 518 - COUNTY MUTUAL INSURANCE ASSOCIATIONS|Section 518.13 - Premium charges.

518.13 Premium charges.   Any association may by action of its board of directors establish premium charges for the purpose of payment of losses and expenses and for the establishment or maintenance of a reserve fund.  [C66, 71, 73, 75, 77, 79, 81, §518.13]  2009 Acts, ch 145, §28
IA Code § 518.13A (2021)
2021 Iowa Code|Title XIII - COMMERCE|Chapter 518 - COUNTY MUTUAL INSURANCE ASSOCIATIONS|Section 518.13A - Assessments prohibited.

518.13A Assessments prohibited.   An association doing business under this chapter shall not levy an assessment on any member of the association.  2000 Acts, ch 1023, §37
IA Code § 518.15 (2021)
2021 Iowa Code|Title XIII - COMMERCE|Chapter 518 - COUNTY MUTUAL INSURANCE ASSOCIATIONS|Section 518.15 - Reports, examinations, and renewals.

518.15 Reports, examinations, and renewals.   1. The president or the vice president and secretary of each association authorized to do business under this chapter shall annually before the first day of March prepare under oath and file with the commissioner of insurance a full, true, and complete statement of the condition of such association on the last day of the preceding year. The commissioner of insurance shall prescribe the report forms and shall determine the information and data to be reported.   2. Such associations shall pay the same expenses of any examination made or ordered to be made by the commissioner of insurance and the same fees for the annual reports and annual certificates of authority as are required to be paid by domestic companies organized and doing business under chapter 515.   3. A certificate of authority of an association formed under this chapter expires on June 1 succeeding its issue and shall be renewed annually so long as the association transacts its business in accordance with all legal requirements. An association shall submit annually, on or before March 1, a completed application for renewal of its certificate of authority.   4. The commissioner shall refuse to renew the certificate of authority of an association that fails to comply with the provisions of this chapter.   5. An association formed under this chapter that fails to timely file the statement required under subsection 1 or the application for renewal required under subsection 3 is in violation of this section and shall pay an administrative penalty of five hundred dollars to the treasurer of state for deposit as provided in section 505.7. The association’s right to transact new business in this state shall immediately cease until the association has fully complied with this chapter.   6. The commissioner may give notice to an association that the association has not timely filed the statement required under subsection 1 or an application for renewal under subsection 3 and is in violation of this section. If the association fails to file the required statement or application and comply with this section within ten days of the date of the notice, the association shall pay an additional administrative penalty of one hundred dollars for each day that the failure continues to the treasurer of state for deposit as provided in section 505.7.  [C66, 71, 73, 75, 77, 79, 81, §518.15]  88 Acts, ch 1112, §108; 2006 Acts, ch 1117, §91; 2009 Acts, ch 181, §83
IA Code § 518.16 (2021)
2021 Iowa Code|Title XIII - COMMERCE|Chapter 518 - COUNTY MUTUAL INSURANCE ASSOCIATIONS|Section 518.16 - Soliciting application for insurance — license required.

518.16 Soliciting application for insurance — license required.   A person shall not solicit any application for insurance for an association in this state without having procured from the commissioner of insurance a license authorizing the person to act as an insurance producer pursuant to chapter 522B.  [C66, 71, 73, 75, 77, 79, 81, §518.16; 82 Acts, ch 1003, §8]  95 Acts, ch 185, §27; 2001 Acts, ch 118, §16
IA Code § 518.16A (2021)
2021 Iowa Code|Title XIII - COMMERCE|Chapter 518 - COUNTY MUTUAL INSURANCE ASSOCIATIONS|Section 518.16A - Limitation on termination of independent insurance producers.

518.16A Limitation on termination of independent insurance producers.   A county mutual insurance association authorized to do business in this state shall not terminate a contract of an insurance producer who is an independent contractor but who is not an exclusive insurance producer as defined in section 522B.1 without at least one hundred eighty days’ notice, except for loss of license, fraud, nonpayment of association premiums that are due and not in dispute by the producer, or the withdrawal of operations in the state by the association.  2002 Acts, ch 1111, §25
IA Code § 518.17 (2021)
2021 Iowa Code|Title XIII - COMMERCE|Chapter 518 - COUNTY MUTUAL INSURANCE ASSOCIATIONS|Section 518.17 - Reinsurance.

518.17 Reinsurance.   1. A county mutual insurance association may reinsure a part or all of its coverages written pursuant to this chapter with an association operating under this chapter, or with any other association or company licensed in this state and authorized to write the kinds of insurance enumerated in section 518.11.   2. Reinsurance sufficient to protect the financial stability of the county mutual insurance association is also required. In general, reinsurance coverage obtained by a county mutual insurance association shall not expose the association to losses from coverages written pursuant to this chapter of more than fifteen percent from surplus in any calendar year. The commissioner of insurance may require additional reinsurance if necessary to protect the policyholders of the association.  [C66, 71, 73, 75, 77, 79, 81, §518.17]  91 Acts, ch 26, §47; 99 Acts, ch 165, §16; 2000 Acts, ch 1023, §38; 2002 Acts, ch 1111, §26; 2002 Acts, ch 1119, §183; 2009 Acts, ch 145, §32  Referred to in §521.13
IA Code § 518.18 (2021)
2021 Iowa Code|Title XIII - COMMERCE|Chapter 518 - COUNTY MUTUAL INSURANCE ASSOCIATIONS|Section 518.18 - Premium tax.

518.18 Premium tax.   After January 1, 1966, every association doing business under this chapter shall be required to pay to the director of the department of revenue, or a depository designated by the director, as taxes an amount equal to the following:   1. The applicable percent of the gross amount of premiums received during the preceding calendar year, after deducting the amount returned upon the canceled policies, certificates, and rejected applications; and after deducting premiums paid for windstorm or hail reinsurance on properties specifically reinsured. However, the reinsurer of such windstorm or hail risks shall pay the applicable percent of the gross amount of reinsurance premiums received upon such risks after deducting the amounts returned upon canceled policies, certificates, and rejected applications. For purposes of this section, “applicable percent” means the same as specified in section 432.1, subsection 4.   2. Except as provided in subsection 3, the premium tax shall be paid on or before March 1 of the year following the calendar year for which the tax is due. The commissioner of insurance may suspend the certificate of authority of a county mutual insurance association that fails to pay its premium tax on or before the due date.   3. a. Each county mutual insurance association transacting business in this state whose Iowa premium tax liability for the preceding calendar year was one thousand dollars or more shall remit on or before June 1, on a prepayment basis, an amount equal to one-half of the premium tax liability for the preceding calendar year.   b. In addition to the prepayment amount in paragraph “a”, each association shall remit on or before August 15, on a prepayment basis, an additional amount equal to the following percent of the premium tax liability for the preceding calendar year as follows:   (1) For prepayment in the 2003 and 2004 calendar years, eleven percent.   (2) For prepayment in the 2005 calendar year, twenty-six percent.   (3) For prepayment in the 2006 and subsequent calendar years, fifty percent.   c. The sums prepaid by a county mutual insurance association under this subsection shall be allowed as credits against its premium tax liability for the calendar year during which the payments are made. If a prepayment made under this subsection exceeds the annual premium tax liability, the excess shall be allowed as a credit against subsequent prepayment or tax liabilities. The commissioner of insurance may suspend the certificate of authority of an association that fails to make a prepayment on or before the due date.  [C66, 71, 73, 75, 77, 79, 81, §518.18]  2003 Acts, ch 145, §286; 2003 Acts, ch 179, §136, 159; 2004 Acts, ch 1175, §339, 348  Referred to in §432.1
IA Code § 518.19 (2021)
2021 Iowa Code|Title XIII - COMMERCE|Chapter 518 - COUNTY MUTUAL INSURANCE ASSOCIATIONS|Section 518.19 - Proof of loss.

518.19 Proof of loss.   A proof of loss shall contain such information as is required by the policy provisions of the association, which information shall be signed and sworn to by the insured.  [C66, 71, 73, 75, 77, 79, 81, §518.19]  2009 Acts, ch 145, §33
IA Code § 518.20 (2021)
2021 Iowa Code|Title XIII - COMMERCE|Chapter 518 - COUNTY MUTUAL INSURANCE ASSOCIATIONS|Section 518.20 - Reporting of livestock losses.

518.20 Reporting of livestock losses.   In the event of loss of livestock, the insured shall give notice to the association in sufficient time to permit the performance by a licensed veterinarian of a postmortem examination of the livestock for which claim is made, but in no event later than forty-eight hours from the time of occurrence.  [C66, 71, 73, 75, 77, 79, 81, §518.20]
IA Code § 518.21 (2021)
2021 Iowa Code|Title XIII - COMMERCE|Chapter 518 - COUNTY MUTUAL INSURANCE ASSOCIATIONS|Section 518.21 - Reporting of losses of crops by hail.

518.21 Reporting of losses of crops by hail.   In the event of loss to growing crops by hail, notice of such loss must be given by mailing to the association a certified letter within ten days from the time such loss or damage occurred.  [C66, 71, 73, 75, 77, 79, 81, §518.21]
IA Code § 518.22 (2021)
2021 Iowa Code|Title XIII - COMMERCE|Chapter 518 - COUNTY MUTUAL INSURANCE ASSOCIATIONS|Section 518.22 - Limitation of action.

518.22 Limitation of action.   A suit or action on a policy for the recovery of any claim shall not be sustainable in any court of law or equity unless all requirements of the policy have been complied with, and unless commenced within twelve months next after the inception of the loss.  [C66, 71, 73, 75, 77, 79, 81, §518.22]  2009 Acts, ch 145, §34