reglab/housing_qa huggingface dataset:
NV Rev Stat § 680A.265 (2021)
2021 Nevada Revised Statutes|Chapter 680A - Authorization of Insurers and General Requirements|NRS 680A.265 - Filing of annual financial statement; reporting of violation of law found during audit; penalty for failure to file statement; consolidation of statements prohibited; regulations.

  1. Except as otherwise provided in subsection 5, every:  (a) Domestic insurer;  (b) Fraternal benefit society authorized to do business in this State pursuant to chapter 695A of NRS; and  (c) Corporation subject to the provisions of chapter 695B of NRS,  shall file with the Commissioner, on or before June 1 of each year, a financial statement as of December 31 of the preceding calendar year that is certified by a certified public accountant who is not an employee of the insurer. The Commissioner may request a financial statement from a foreign or alien insurer.  2. If a certified public accountant finds any violation of the laws of this State during any audit he or she conducts pursuant to subsection 1, the certified public accountant shall, if the Commissioner has adopted regulations pursuant to subsection 6 pertaining to the reporting of a violation found during an audit, report the violation in accordance with those regulations.  3. An insurer who does not file a report pursuant to subsection 1 on or before June 1 of each year is subject to the penalty imposed pursuant to NRS 680A.280.  4. A statement filed with the Commissioner must not be a consolidated report with any other subsidiary, affiliate or parent company.  5. The provisions of this section do not apply to a domestic insurer who:  (a) Is not licensed or authorized to do business in any state other than Nevada; or  (b) Is exempted from the requirements of this section by order of the Commissioner for good cause shown.  6. The Commissioner may adopt reasonable regulations relating to annual audited financial reports to administer the provisions of this section.  (Added to NRS by 1991, 2026; A 1995, 1755)
NV Rev Stat § 680A.280 (2021)
2021 Nevada Revised Statutes|Chapter 680A - Authorization of Insurers and General Requirements|NRS 680A.280 - Penalties for late or false statements.

  1. Any insurer failing, without just cause beyond the reasonable control of the insurer, to file a statement as required in NRS 680A.265 and 680A.270 shall be required to pay a penalty of $100 for each day’s delay, but not to exceed $3,000 in aggregate amount, to be recovered in the name of the State of Nevada by the Attorney General.  2. Any director, officer, agent or employee of any insurer who subscribes to, makes or concurs in making or publishing, any annual or other statement required by law, knowing the same to contain any material statement which is false, is guilty of a gross misdemeanor.  (Added to NRS by 1971, 1588; A 2017, 2335; 2019, 1691)
NV Rev Stat § 680A.300 (2021)
2021 Nevada Revised Statutes|Chapter 680A - Authorization of Insurers and General Requirements|NRS 680A.300 - Agent required; execution of emergency bond.

  1. No authorized insurer may make, write, place, renew or cause to be made, placed or renewed, any policy or duplicate policy, endorsement or contract of insurance of any kind upon persons, property or risks resident, located or to be performed in this State, except through its duly appointed and licensed agents.  2. In any case where it is necessary to execute an emergency bond and a commissioned agent authorized to execute the bond is not present, a manager or other employee of the insurer having authority under a power of attorney may execute the bond in order to produce a valid contract between the insurer and the obligee. The commissioned agent who executes the bond shall make and retain an adequate office record of the transaction.  (Added to NRS by 1971, 1589; A 1981, 704; 2009, 1765; 2019, 1691)
NV Rev Stat § 680A.310 (2021)
2021 Nevada Revised Statutes|Chapter 680A - Authorization of Insurers and General Requirements|NRS 680A.310 - Exceptions to requirements for countersignature by agent.

Repealed. (See chapter 295, Statutes of Nevada 2019, at page 1728.)
NV Rev Stat § 680A.500 (2021)
2021 Nevada Revised Statutes|Chapter 680A - Authorization of Insurers and General Requirements|NRS 680A.500 - Definitions.

As used in NRS 680A.500 to 680A.600, inclusive, unless the context otherwise requires, the words and terms defined in NRS 680A.510 and 680A.520 have the meanings ascribed to them in those sections.  (Added to NRS by 2017, 611)
NV Rev Stat § 680A.510 (2021)
2021 Nevada Revised Statutes|Chapter 680A - Authorization of Insurers and General Requirements|NRS 680A.510 - "Deliver by electronic means" defined.

Deliver by electronic means means:  1. To deliver to an electronic mail address at which a party has consented to receive notices or documents; or  2. To post a notice or document on an electronic network or website accessible via the Internet or a mobile application or using a computer, mobile device, tablet or any other electronic device and to deliver a separate notice of the posting of the notice or document to an electronic mail address at which a party has consented to receive notices or documents.  (Added to NRS by 2017, 611)
NV Rev Stat § 680A.520 (2021)
2021 Nevada Revised Statutes|Chapter 680A - Authorization of Insurers and General Requirements|NRS 680A.520 - "Party" defined.

Party means any recipient of a notice or document required to be provided as part of an insurance transaction, including, without limitation, an applicant, insured, policyholder or holder of an annuity contract.  (Added to NRS by 2017, 611)
NV Rev Stat § 680A.530 (2021)
2021 Nevada Revised Statutes|Chapter 680A - Authorization of Insurers and General Requirements|NRS 680A.530 - Applicability.

The provisions of NRS 680A.500 to 680A.600, inclusive:  1. Do not apply to a notice or other document delivered by an insurer in an electronic form before October 1, 2017, to a party who consented before that date to receive the notice or other document in an electronic form which was authorized by law at the time of delivery; and  2. Shall not be construed to affect any other provision of law relating to the content or timing of delivery of any notice or other document.  (Added to NRS by 2017, 611)
NV Rev Stat § 680A.540 (2021)
2021 Nevada Revised Statutes|Chapter 680A - Authorization of Insurers and General Requirements|NRS 680A.540 - Notice or other document may be delivered by electronic means in certain circumstances; delivery by electronic means satisfies requirements of Nevada Insurance Code.

  1. A notice to a party or any other document which is required by law to be provided as part of an insurance transaction or which serves as evidence of insurance coverage may be delivered by electronic means if such delivery satisfies the requirements of chapter 719 of NRS and NRS 680A.550.  2. The delivery of a notice or other document pursuant to subsection 1 is deemed to satisfy any requirement of this Code to deliver a notice or other document in physical form, including, without limitation, by:  (a) Mail;  (b) Mail, postage prepaid;  (c) Certified mail;  (d) Certified mail, return receipt requested;  (e) First-class mail;  (f) Registered mail;  (g) Registered mail, return receipt requested; or  (h) Overnight delivery using a nationally recognized carrier.  (Added to NRS by 2017, 611)
NV Rev Stat § 680A.560 (2021)
2021 Nevada Revised Statutes|Chapter 680A - Authorization of Insurers and General Requirements|NRS 680A.560 - Circumstances in which insurer shall cease delivery by electronic means.

An insurer shall cease delivering by electronic means any notice or other document and shall deliver such notices and other documents by any other delivery method authorized by law if:  1. The insurer attempts to deliver by electronic means a notice or other document and has a reasonable basis to believe that the notice or other document was not received by the party; or  2. The insurer becomes aware that the electronic mail address provided by the party is no longer valid.  (Added to NRS by 2017, 613)
NV Rev Stat § 680A.570 (2021)
2021 Nevada Revised Statutes|Chapter 680A - Authorization of Insurers and General Requirements|NRS 680A.570 - Withdrawal of consent to delivery by electronic means.

  1. The withdrawal of consent by a party to delivery by electronic means does not affect the legal effectiveness, validity or enforceability of a notice or other document delivered by electronic means to the party before the withdrawal of consent is effective.  2. A withdrawal of consent by a party becomes effective within a reasonable period of time after receipt of the withdrawal of consent by the insurer.  3. The failure of an insurer to comply with the provisions of paragraph (e) of subsection 1 of NRS 680A.550 or 680A.580 is deemed to constitute a withdrawal of consent to delivery by electronic means unless a party elects to continue to grant consent.  (Added to NRS by 2017, 613)
NV Rev Stat § 680A.580 (2021)
2021 Nevada Revised Statutes|Chapter 680A - Authorization of Insurers and General Requirements|NRS 680A.580 - Effect of consent to delivery by electronic means given before October 1, 2017.

If a party consented to the delivery by electronic means of certain notices or documents by an insurer before October 1, 2017, the insurer may continue to deliver by electronic means such notices or documents if, before delivering by electronic means such notices or documents, the insurer provides the party with:  1. A statement that describes:  (a) Any notices or documents to be delivered by electronic means pursuant to NRS 680A.500 to 680A.600, inclusive, which were not previously delivered by electronic means; and  (b) The right of the party to withdraw consent without the imposition of any condition or consequence that was not disclosed at the time the party gave consent; and  2. A statement that satisfies the requirements of paragraph (b) of subsection 1 of NRS 680A.550.  (Added to NRS by 2017, 613)
NV Rev Stat § 680A.590 (2021)
2021 Nevada Revised Statutes|Chapter 680A - Authorization of Insurers and General Requirements|NRS 680A.590 - Enforceability of contract or policy of insurance if electronic consent or confirmation of consent not obtained; producer of insurance not subject to civil liability for delivery or failure to deliver by electronic means; relation to Electronic Signatures in Global and National Commerce Act.

  1. The failure to obtain the electronic consent or confirmation of consent of a party pursuant to paragraph (c) of subsection 1 of NRS 680A.550 may not be the sole basis for determining that a contract or policy of insurance is not legally effective, valid or enforceable.  2. A producer of insurance is not subject to civil liability for any harm or injury that occurs as a result of the election of a party for the delivery by electronic means of any notice or other document or for the failure of an insurer to deliver by electronic means a notice or other document.  3. Nothing in NRS 680A.500 to 680A.600, inclusive, shall be construed to modify, limit or supersede the federal Electronic Signatures in Global and National Commerce Act, 15 U.S.C. §§ 7001 et seq.  (Added to NRS by 2017, 613)
NV Rev Stat § 680A.600 (2021)
2021 Nevada Revised Statutes|Chapter 680A - Authorization of Insurers and General Requirements|NRS 680A.600 - Insurer may satisfy requirement to mail or deliver a standard policy or standard endorsement which does not contain personally identifiable information by posting on Internet website in certain circumstances.

If a standard policy of property or casualty insurance or a standard endorsement of such a policy does not contain personally identifiable information, the insurer offering such a policy or endorsement may satisfy a requirement to mail or deliver the policy or endorsement by posting the policy or endorsement on the Internet website of the insurer if:  1. The policy or endorsement is accessible to the insured and to any producer of insurance who transacted insurance involving the policy or endorsement with the insured for as long as the policy or endorsement is in force;  2. The insurer retains an archive of expired policies and endorsements for not less than 5 years after the expiration of each policy or endorsement and makes expired policies and endorsements available upon request;  3. The policy or endorsement is posted in a manner that enables the insured and any producer of insurance who transacted insurance involving the policy or endorsement with the insured to print and save the policy or endorsement using any program or other application which is widely available on the Internet and free to use;  4. The insurer provides, in or with the declarations page provided at the time of issuance of the initial policy and each renewal of the policy:  (a) A description of the exact form of policy or endorsement purchased by the insured;  (b) A description of the right of the insured to receive, upon request and without charge, a paper copy of the policy or endorsement by mail; and  (c) The address of the Internet website where the policy or endorsement is posted;  5. Upon request of the insured and without charge, the insurer mails a paper copy of the policy or endorsement to the insured;  6. The insurer provides notice in the manner preferred by the insured of any change to the policy or endorsement which includes a description of the right of the insured to obtain, upon request and without charge, a paper copy of the revised policy or endorsement and the address of the Internet website where the revised policy or endorsement is posted; and  7. The insurer complies with all applicable provisions of chapter 719 of NRS.  (Added to NRS by 2017, 613)
NV Rev Stat § 680B.020 (2021)
2021 Nevada Revised Statutes|Chapter 680B - Fees and Taxes|NRS 680B.020 - State license exclusive; exception.

  1. Notwithstanding the provisions of any general or special law, the possession of a license or certificate of authority issued under this Code shall be authorization to transact such business as indicated in such license or certificate of authority, and shall be in lieu of all licenses, whether for regulation or revenue, required to transact insurance business within the State of Nevada; but each city, town or county may require a license for revenue purposes only for any insurance analyst, adjuster or managing general agent or producer of insurance whose principal place of business is located within such city or town, or within the county outside the cities and towns of the county, respectively.  2. This section shall not be modified or repealed by any law of general application enacted after January 1, 1972, unless expressly referred to or expressly repealed therein.  (Added to NRS by 1971, 1594; A 2017, 2335)
NV Rev Stat § 680B.025 (2021)
2021 Nevada Revised Statutes|Chapter 680B - Fees and Taxes|NRS 680B.025 - General tax on premiums: Definitions.

For the purposes of NRS 680B.025 to 680B.039, inclusive:  1. "Total income derived from direct premiums written":  (a) Does not include premiums written or considerations received from life insurance policies or annuity contracts issued in connection with the funding of a pension, annuity or profit-sharing plan qualified or exempt pursuant to sections 401, 403, 404, 408, 457 or 501 of the United States Internal Revenue Code as renumbered from time to time.  (b) Does not include payments received by an insurer from the Secretary of Health and Human Services pursuant to a contract entered into pursuant to section 1876 of the Social Security Act, 42 U.S.C. § 1395mm.  (c) As to title insurance, consists of the total amount charged by the company for the sale of policies of title insurance.  2. Money accepted by a life insurer pursuant to an agreement which provides for an accumulation of money to purchase annuities at future dates may be considered as "total income derived from direct premiums written" either upon receipt or upon the actual application of the money to the purchase of annuities, but any interest credited to money accumulated while under the latter alternative must also be included in "total income derived from direct premiums written," and any money taxed upon receipt, including any interest later credited thereto, is not subject to taxation upon the purchase of annuities. Each life insurer shall signify on its return covering premiums for the calendar year 1971 or for the first calendar year it transacts business in this State, whichever is later, its election between those two alternatives. Thereafter an insurer shall not change his or her election without the consent of the Commissioner. Any such money taxed as "total income derived from direct premiums written" is, in the event of withdrawal of the money before its actual application to the purchase of annuities, eligible to be included as "return premiums" pursuant to the provisions of NRS 680B.030.  (Added to NRS by 1983, 712; A 1985, 1124; 1987, 1430; 1991, 2028; 1993, 2817; 1999, 817; 2013, 3456)
NV Rev Stat § 680B.027 (2021)
2021 Nevada Revised Statutes|Chapter 680B - Fees and Taxes|NRS 680B.027 - General tax on premiums: Rate; time for payment; prepayment; supplemental statements. [Effective through December 31, 2020.]

  1. Except as otherwise provided in NRS 680B.033, 680B.0353, 680B.050 and 690C.110, for the privilege of transacting business in this State, each insurer shall pay to the Department of Taxation a tax upon his or her net direct premiums and net direct considerations written at the rate of 3.5 percent.  2. The tax must be paid in the manner required by NRS 680B.030 and 680B.032.  3. The Commissioner or the Executive Director of the Department of Taxation may require at any time verified supplemental statements with reference to any matter pertinent to the proper assessment of the tax.  (Added to NRS by 1983, 713; A 1985, 1639; 1987, 893; 1989, 1842; 1991, 2029; 1993, 1446, 1909; 1995, 486, 577, 2165; 1997, 299, 593; 1999, 405, 1828, 3341; 2001, 115; 2005, 2120)
NV Rev Stat § 680B.027 (2021)
2021 Nevada Revised Statutes|Chapter 680B - Fees and Taxes|NRS 680B.027 - General tax on premiums: Rate; time for payment; prepayment; supplemental statements. [Effective January 1, 2021.]

  1. Except as otherwise provided in NRS 680B.033, 680B.0353 and 690C.110, for the privilege of transacting business in this State, each insurer shall pay to the Department of Taxation a tax upon his or her net direct premiums and net direct considerations written at the rate of 3.5 percent.  2. The tax must be paid in the manner required by NRS 680B.030 and 680B.032.  3. The Commissioner or the Executive Director of the Department of Taxation may require at any time verified supplemental statements with reference to any matter pertinent to the proper assessment of the tax.  (Added to NRS by 1983, 713; A 1985, 1639; 1987, 893; 1989, 1842; 1991, 2029; 1993, 1446, 1909; 1995, 486, 577, 2165; 1997, 299, 593; 1999, 405, 1828, 3341; 2001, 115; 2005, 2120; 2014, 28th Special Session, 1, effective January 1, 2021)
NV Rev Stat § 680B.030 (2021)
2021 Nevada Revised Statutes|Chapter 680B - Fees and Taxes|NRS 680B.030 - General tax on premiums: Annual report by insurer.

  1. Each insurer and each formerly authorized insurer with respect to insurance transacted while an authorized insurer and property bondsman shall, on or before March 15 of each year, or within any reasonable extension of time therefor which the Executive Director of the Department of Taxation may for good cause have granted on or before that date, file with the Department of Taxation a report in such form as prescribed by the Executive Director of the Department of Taxation in cooperation with the Commissioner, showing total income derived from direct premiums written, including policy, membership and other fees and assessments, and all other considerations for insurance, bail or annuity contracts written during the next preceding calendar year on account of policies and contracts covering property, subjects or risks located, resident or to be performed in this State, with proper proportionate allocation of premiums as to such persons, property, subjects or risks in this State insured under policies and contracts covering persons, property, subjects or risks located or resident in more than one state, after deducting from the total income derived from direct premiums written:  (a) The amount of return premiums; and  (b) Dividends, savings and unabsorbed premium deposits returned to policyholders in cash or credited to their accounts.  2. The report must be:  (a) Accompanied by a payment made payable to the Department of Taxation in an amount equal to all of the tax required to be paid on net direct premiums and net direct considerations written during the preceding calendar year, less any quarterly payments made for the same period pursuant to NRS 680B.032; and  (b) Verified by the oath or affirmation of the insurer’s president, vice president, secretary, treasurer or manager.  (Added to NRS by 1971, 1594; A 1971, 1936; 1975, 463; 1983, 714; 1991, 2029; 1993, 1909; 1995, 469; 1997, 298, 299)
NV Rev Stat § 680B.032 (2021)
2021 Nevada Revised Statutes|Chapter 680B - Fees and Taxes|NRS 680B.032 - General tax on premiums: Certain insurers to file quarterly report and make quarterly payment; overpayment of tax.

  1. Each insurer which, pursuant to NRS 680B.027, paid or is required to pay a tax of at least $2,000 on net direct premiums and net direct considerations written during the preceding calendar year, shall file a quarterly report in such form as prescribed by the Executive Director of the Department of Taxation. Each report must be accompanied by a payment made payable to the Department of Taxation in an amount equal to the tax required to be paid on net direct premiums and net direct considerations written during the preceding calendar quarter. Each quarterly payment is due on the last day of the last month in each calendar quarter and is payable on or before the last day of the month next succeeding the calendar quarter for which the payment is due.  2. If an overpayment of the tax imposed by NRS 680B.027 results from the payments made pursuant to this section, the insurer shall apply the overpayment against each succeeding quarterly payment due in the current calendar year until the overpayment has been extinguished.  (Added to NRS by 1995, 467; A 1997, 298, 299)
NV Rev Stat § 680B.033 (2021)
2021 Nevada Revised Statutes|Chapter 680B - Fees and Taxes|NRS 680B.033 - General tax on premiums: Computation of tax for factory mutuals.

Factory mutuals shall pay the tax imposed by NRS 680B.027 on all gross premiums upon policies on risks located in this state in force on December 31 next preceding, after deducting from the gross direct premiums dividends written and returns to policyholders computed at the average rate on annual policies expiring during the preceding year, whether actually paid or applied in part payment of any renewal premiums.  (Added to NRS by 1983, 713; A 1991, 2030)
NV Rev Stat § 680B.035 (2021)
2021 Nevada Revised Statutes|Chapter 680B - Fees and Taxes|NRS 680B.035 - General tax on premiums: Payments by domestic insurers.

A domestic insurer doing business in a state in which it is not licensed and to which it does not pay a premium tax, shall report and pay the tax on that business to the State of Nevada as though that business were transacted in this state.  (Added to NRS by 1983, 713)
NV Rev Stat § 680B.0353 (2021)
2021 Nevada Revised Statutes|Chapter 680B - Fees and Taxes|NRS 680B.0353 - General tax on premiums: Payments by certain risk retention groups.

Each risk retention group which is chartered in a state other than this State and which is registered in this State pursuant to NRS 695E.140 to 695E.200, inclusive, shall pay the tax imposed by NRS 680B.027 at a rate of 2 percent.  (Added to NRS by 2005, 2114)