reglab/housing_qa huggingface dataset:
CT Gen Stat § 38a-291 (2020)
2020 Connecticut General Statutes|Title 38a - Insurance|Chapter 699 - Insurance Contracts in General|Section 38a-291 - Life insurance owned by an employer or trust. Provisions and prohibitions. Construction.

 (a)(1)(A) The trustee of any voluntary employees' beneficiary association trust, as defined in Section 501(c)(9) of the Internal Revenue Code of 1986, as from time to time amended, to provide life, health or similar benefits to employees or retired employees and acting in a fiduciary capacity with respect to those employees or retired employees may procure insurance on the lives of those employees or retired employees; (B) an employer or a trustee of a trust, other than a voluntary employees' beneficiary association trust, providing life, health, disability, retirement or similar benefits to the employer's employees or retired employees may procure insurance on the lives of those employees or retired employees; and (C) prior to procuring insurance on the lives of employees or retired employees pursuant to subparagraph (A) or (B) of this subdivision, the employer or trustee shall obtain the written consent of each employee or retired employee proposed for coverage, and such consent shall include an acknowledgment from the employee that the employer or trustee may maintain the life insurance coverage after the employee's employment has terminated.(2) No person may retaliate against any employee or retired employee for refusing to consent to the issuance of insurance on the life of such employee.(3) For nonkey or nonmanagerial employees, the amount of coverage shall be reasonably related to the benefits provided to those employees in the aggregate. For purposes of this section, “nonkey or nonmanagerial employees” means those employees who do not meet the criteria set forth in 29 CFR 541.1, 29 CFR 541.2 or 29 CFR 541.3.(4) Life insurance coverage purchased to finance employer-provided pension and welfare benefit plans shall be allowed only on the lives of those employees and retirees who are eligible to participate in the plan at the time their lives are first insured under the plan.(b) The provisions of this section shall apply to policies or contracts delivered or issued for delivery in this state.(c) This section shall not be construed to affect or prohibit any person, trust or corporation from procuring insurance upon the life or health of another person in whom it has an insurable interest at common law.(P.A. 92-75, S. 2; P.A. 04-24, S. 1.)History: P.A. 04-24 designated existing provisions of Subsec. (a) as Subsec. (a)(1)(A), added new Subsec. (a)(1)(B) and (C) re employers and prior consent, added new Subsec. (a)(2) to (4), inclusive, re retaliation, nonkey and nonmanagerial employees, and insurance to finance pension and welfare benefit plans, and amended Subsec. (c) to substitute “construed” for “interpreted”.
CT Gen Stat § 38a-295. (Formerly Sec. 38-68s) (2020)
2020 Connecticut General Statutes|Title 38a - Insurance|Chapter 699a - Readable Language in Insurance Policies|Section 38a-295. (Formerly Sec. 38-68s) - Short title: Insurance Plain Language Act.

 Sections 38a-295 to 38a-300, inclusive, may be cited as the “Insurance Plain Language Act”.(P.A. 79-300, S. 1.)History: Sec. 38-68s transferred to Sec. 38a-295 in 1991.
CT Gen Stat § 38a-296. (Formerly Sec. 38-68t) (2020)
2020 Connecticut General Statutes|Title 38a - Insurance|Chapter 699a - Readable Language in Insurance Policies|Section 38a-296. (Formerly Sec. 38-68t) - Definitions.

 As used in sections 38a-295 to 38a-300, inclusive:(1) “Policy” means any policy, contract, certificate, plan or agreement for life insurance, health insurance, credit life insurance, credit health insurance, annuities, certificates issued pursuant to any group insurance policy, individual personal line dwelling insurance on one to four-family units and personal line automobile insurance designed primarily for personal, family or household needs, delivered or issued for delivery in this state by any company or insurer.(2) “Company” or “insurer” means any insurance company, fraternal benefit society, nonprofit hospital service corporation, nonprofit medical service corporation, health care center or other institution organized for the purpose of providing insurance.(3) “Commissioner” means the Insurance Commissioner.(P.A. 79-300, S. 2; P.A. 80-482, S. 3, 345, 348; P.A. 00-105, S. 2, 5.)History: P.A. 80-482 abolished the department of business regulation created by P.A. 77-614 and restored insurance division as an independent department with commissioner as its head; Sec. 38-68t transferred to Sec. 38a-296 in 1991; P.A. 00-105 substituted numeric Subdiv. designators for alphabetic designators, effective July 1, 2000.
CT Gen Stat § 38a-298. (Formerly Sec. 38-68v) (2020)
2020 Connecticut General Statutes|Title 38a - Insurance|Chapter 699a - Readable Language in Insurance Policies|Section 38a-298. (Formerly Sec. 38-68v) - Method of measurement for Flesch reading ease test score.

 (a) For the purposes of section 38a-297, a Flesch reading ease test score shall be measured by the following method:(1) For policy forms containing ten thousand words or less of text, the entire form shall be analyzed. For policy forms containing more than ten thousand words, the readability of two two hundred word samples per page may be analyzed instead of the entire form. The samples shall be separated by at least twenty printed lines;(2) The total number of words in the text shall be counted and divided by the total number of sentences. The figure obtained shall be multiplied by a factor of 1.015;(3) The total number of syllables shall be counted and divided by the total number of words; the figure obtained shall be multiplied by a factor of 84.6;(4) The sum of the figures computed under subdivisions (2) and (3) of this subsection subtracted from 206.835 equals the Flesch reading ease score for the policy form.(b) For purposes of subdivisions (2), (3) and (4) of subsection (a) of this section, the following procedures shall be used:(1) A contraction, hyphenated word or numerals and letters, when separated by spaces, shall be counted as one word;(2) A unit of words ending with a period, semicolon or colon, excluding headings and captions, shall be counted as a sentence;(3) A syllable is a unit of spoken language consisting of one or more letters of a word as divided by an accepted dictionary;(4) Where the dictionary shows two or more equally acceptable pronunciations of a word, the pronunciation containing fewer syllables shall be used;(5) Numerals when separated by spaces may be counted as one syllable.(c) The term “text” as used in this section includes all printed matter except the following:(1) The name and address of the insurer, the name, number or title of the policy, the table of contents or index, captions, and subcaptions, specification pages, schedules or tables;(2) Policy language required by any collectively bargained agreement;(3) Any medical terminology;(4) Words which are defined in the policy; and(5) Any policy language required by state or federal law, regulation or governmental agency, provided the insurer identifies the language or terminology excepted by this subdivision and certifies, in writing, that the language or terminology is entitled to be excepted under this subdivision. At the option of the insurer, riders, endorsements, application and other forms made a part of the policy may be scored as separate forms or as part of the policy with which they are to be used.(P.A. 79-300, S. 4; P.A. 05-29, S. 7; P.A. 15-118, S. 38.)History: Sec. 38-68v transferred to Sec. 38a-298 in 1991; P.A. 05-29 made a technical change in Subsec. (b); P.A. 15-118 made a technical change in Subsec. (a)(4).Cited. 225 C. 165.
CT Gen Stat § 38a-299. (Formerly Sec. 38-68w) (2020)
2020 Connecticut General Statutes|Title 38a - Insurance|Chapter 699a - Readable Language in Insurance Policies|Section 38a-299. (Formerly Sec. 38-68w) - Policies to be made readable. Effective dates. Approval by commissioner.

 (a) Except as provided in subsection (c) of section 38a-300, policies shall be made readable in accordance with the provisions of subsection (a) of section 38a-297 as follows:(1) Individual personal line automobile and individual personal line dwelling policy forms filed on or after January 1, 1980, shall be readable. No policy forms providing such coverage shall be delivered or issued for delivery in this state on or after January 1, 1981, unless approved by the commissioner as readable;(2) Individual life, health, annuity and group and individual credit life and health policies filed on or after July 1, 1980, shall be readable. No such policy forms providing such coverage shall be delivered or issued for delivery in this state on or after July 1, 1981, unless approved by the commissioner as readable;(3) Group life, health and annuity forms and certificates of life insurance and health insurance filed on or after July 1, 1981, shall be readable. No policy forms or certificates providing such coverage shall be delivered or issued for delivery in this state on or after July 1, 1983, unless approved by the commissioner as readable;(4) No group life, health and annuity form, or certificate issued pursuant thereto, which are delivered or issued for delivery prior to July 1, 1983, shall be renewed on or after July 1, 1983, unless such form or certificate has been filed with and approved by the commissioner as readable.(b) Any policy form which has been authorized for issuance by the commissioner and which meets the readability requirements of sections 38a-295 to 38a-300, inclusive, need not be refiled under subsection (a) of this section, provided the insurer files in lieu thereof a list of such forms identified by form number and accompanied by a certificate as to each such form in the manner provided in subsection (c) of section 38a-297.(c) Notwithstanding the provisions of this section and subject to the provisions of subsection (c) of section 38a-300, the provisions of subdivision (2) of subsection (a) of section 38a-297 shall apply to all policies filed on or after January 1, 1982, to all individual policies delivered or issued for delivery in this state on or after July 1, 1982, and to all group policies and certificates delivered in this state on or after July 1, 1983.(d) The commissioner may, in his sole discretion, extend the dates in subsection (a) of this section, for periods of time not exceeding one year.(P.A. 79-300, S. 5; P.A. 81-110, S. 2, 3.)History: P.A. 81-110 specified effective dates for the applicability of the provisions of section 38-68u(a)(2) in new Subsec. (d) and relettered former Subsec. (c) accordingly; Sec. 38-68w transferred to Sec. 38a-299 in 1991.Cited. 225 C. 165.
CT Gen Stat § 38a-300. (Formerly Sec. 38-68x) (2020)
2020 Connecticut General Statutes|Title 38a - Insurance|Chapter 699a - Readable Language in Insurance Policies|Section 38a-300. (Formerly Sec. 38-68x) - Exemptions.

 (a) No provision of sections 38a-295 to 38a-300, inclusive, shall be construed to increase the risk assumed by any company or insurer under policies delivered or issued for delivery by such company or insurer or to supersede the obligation of such company or insurer to comply with the provisions of any law of this state applicable to such policies.(b) No other law of this state which establishes standards for readable language shall apply to any policy form covered under the provisions of sections 38a-295 to 38a-300, inclusive.(c) The provisions of sections 38a-295 to 38a-300, inclusive, shall not apply to: (1) Any policy that is a security subject to federal jurisdiction; (2) any group policy covering a group of fifty or more lives at date of issue, other than a group credit life insurance policy or a group credit health insurance policy, except this shall not exempt any certificate issued pursuant to a group policy delivered or issued for delivery in this state; (3) any group annuity contract that serves as a funding vehicle for pension, profit sharing or deferred compensation plans; (4) any form used in connection with a policy delivered or issued for delivery on a policy form that has been authorized for issuance by the commissioner prior to October 1, 1979, as to such policy form, except this shall not exempt any group policy or certificate issued thereunder unless the holders of such certificates are entitled to receive a summary plan description pursuant to the terms of the Federal Employee Retirement Income Security Act of 1974; or (5) the renewal of an annuity or an individual life or health insurance policy delivered or issued for delivery prior to the date any such form must be approved by the commissioner as readable.(P.A. 79-300, S. 6; P.A. 14-235, S. 20.)History: Sec. 38-68x transferred to Sec. 38a-300 in 1991; P.A. 14-235 made technical changes in Subsec. (c).
CT Gen Stat § 38a-305. (Formerly Sec. 38-107) (2020)
2020 Connecticut General Statutes|Title 38a - Insurance|Chapter 700 - Property and Casualty Insurance|Section 38a-305. (Formerly Sec. 38-107) - Additional powers of fire insurance companies.

 (a) Domestic insurance companies having power to insure against loss by fire, in addition to such other powers as they may have under their respective charters, and foreign and alien insurance companies authorized to do business in this state and having power to insure against such loss, may make insurances on any kind of property or valuable interest therein (1) against loss or damage by fire, lightning and other electrical disturbances, wind, tornado, cyclone, earthquake, hail, frost, snow, ice, weather or climatic conditions, including excess or deficiency of moisture, flood, rain or drought, rising of the waters of the ocean or its tributaries, bombardment, invasion, insurrection, riot, strikes, sabotage, war, civil war or commotion, military or usurped power, and by explosions whether fire ensues or not, except explosions of steam boilers; (2) against loss or damage by insects, disease or other causes to trees, crops or other products of the soil; (3) against loss or damage arising from the breakage or leakage of sprinklers, pumps or other apparatus erected for extinguishing fires or of water pipes or other conduits or containers; (4) against accidental injury to or by such sprinklers, pumps, apparatus, water pipes, conduits or containers; (5) against loss or damage by water entering through leaks or openings in buildings; (6) on automobiles, airplanes, seaplanes, dirigibles and other aircraft and on any valuable interest therein; (7) against loss or damage from all or any of the hazards of fire, explosion, transportation and collision and from legal liability for damage to property resulting from the maintenance and use thereof, and from burglary, theft, vandalism, malicious mischief or wrongful conversion, disposal or concealment whether or not held under a conditional sale contract or subject to chattel mortgage; (8) against intentional or other damage to, or loss of, property of any kind, real or personal; and (9) to effect reinsurances of any risks taken by them.(b) “Loss or damage”, as used in this section, includes loss of use and occupancy, loss of rents, rental values and profits and consequential damages.(1949 Rev., S. 6103; P.A. 90-243, S. 51.)History: P.A. 90-243 divided the section into Subsecs., substituted “foreign” for “nonresident” and “alien” for “foreign”, and added Subdiv. indicators in the new Subsec. (a); Sec. 38-107 transferred to Sec. 38a-305 in 1991.
CT Gen Stat § 38a-307a (2020)
2020 Connecticut General Statutes|Title 38a - Insurance|Chapter 700 - Property and Casualty Insurance|Section 38a-307a - Terrorism exclusion in condominium association master policy prohibited. Conditions re terrorism exclusion in other commercial risk insurance policy.

 From July 1, 2004, until the expiration of the Terrorism Insurance Program established in the federal Terrorism Risk Insurance Act of 2002, P.L. 107-297, as amended and reauthorized from time to time, (1) for any master policy that is required to be purchased by a condominium association pursuant to section 47-83 or by a unit owners' association pursuant to section 47-255, the standard form of fire insurance policy set forth in section 38a-307 shall not exclude coverage for loss by fire or other perils insured against in the policy caused, directly or indirectly, by terrorism, as defined by the Insurance Commissioner; and (2) for any other commercial risk insurance policy, the standard form of fire insurance policy set forth in section 38a-307 may provide that the company shall not be liable for loss by fire or other perils insured against in the policy caused, directly or indirectly, by terrorism, as defined by the Insurance Commissioner, provided the premiums charged for such policy shall reflect any savings projected from the exclusion of such perils.(P.A. 04-140, S. 1; P.A. 09-164, S. 2; P.A. 10-5, S. 8; P.A. 15-118, S. 39.)History: P.A. 04-140 effective July 1, 2004; P.A. 09-164 added Subdiv. (1) prohibiting terrorism exclusion in a condominium association master policy, designated existing application to other commercial risk policy as Subdiv. (2) and made a technical change; P.A. 10-5 made technical changes, effective May 5, 2010; P.A. 15-118 added “and reauthorized”.
CT Gen Stat § 38a-309. (Formerly Sec. 38-100) (2020)
2020 Connecticut General Statutes|Title 38a - Insurance|Chapter 700 - Property and Casualty Insurance|Section 38a-309. (Formerly Sec. 38-100) - Binders for temporary insurance. Written binder as evidence of insurance on mortgaged property.

 (a) Binders or other contracts for temporary insurance may be made, orally or in writing, for a period which shall not exceed sixty days, and shall be deemed to include all the terms of a standard fire insurance policy and all such applicable endorsements, approved by the commissioner, as are designated in such contract of temporary insurance, except that the cancellation clause of such standard fire insurance policy, and the clause thereof specifying the hour of the day at which the insurance shall commence, may be superseded by the express terms of such contract of temporary insurance.(b) Notwithstanding the provisions of subsection (a) of this section, no person shall, at the time of title closing for a loan secured by a one-to-four-family residential property, refuse to accept a written binder issued by an insurer, or a duly authorized representative of an insurer, licensed to do business in this state, as evidence that hazard insurance has been procured for the mortgaged premises. The commissioner may require such binders to contain any additional information to permit such binders to comply with the reasonable requirements of the Federal National Mortgage Association or Federal Home Loan Mortgage Corporation for the purchase of mortgage loans. Nothing in this section shall be construed to prohibit a person from requiring the borrower to also furnish a receipt indicating that the annual or installment premium on such insurance policy has been paid for twelve months following the date of closing, or for less than twelve months at the option of the person.(1949 Rev., S. 6107; P.A. 89-48, S. 1; P.A. 99-145, S. 22, 23.)History: P.A. 89-48 increased to 60 the number of days a binder may be effective; Sec. 38-100 transferred to Sec. 38a-309 in 1991; P.A. 99-145 designated existing language as Subsec. (a) and added new Subsec. (b) re binders as evidence of hazard insurance on mortgaged premises at time of title closing, effective June 8, 1999.Annotation to former section 38-100:Cited. 217 C. 340.
CT Gen Stat § 38a-310. (Formerly Sec. 38-101) (2020)
2020 Connecticut General Statutes|Title 38a - Insurance|Chapter 700 - Property and Casualty Insurance|Section 38a-310. (Formerly Sec. 38-101) - Combination standard form of fire insurance policy.

 Two or more insurers authorized to do the business of property insurance in this state may, with the approval of the commissioner, issue a combination standard form of fire insurance policy that shall contain the following provisions: (1) A provision substantially to the effect that the insurers executing such policy shall be severally liable for the full amount of any loss or damage, according to the terms of the policy, or for specified percentages or amounts thereof, aggregating the full amount of such insurance under such policy; and (2) a provision substantially to the effect that service of process, or of any notice or proof of loss required by such policy, upon any of the insurers executing such policy, shall be deemed to be service upon all such insurers.(1949 Rev., S. 6108; P.A. 90-243, S. 49; P.A. 17-15, S. 23.)History: P.A. 90-243 made technical corrections, substituted “alien” for “foreign” and moved phrase “in this state”; Sec. 38-101 transferred to Sec. 38a-310 in 1991; P.A. 17-15 redesignated existing Subsecs. (a) and (b) as Subdivs. (1) and (2) and made technical changes.
CT Gen Stat § 38a-311. (Formerly Sec. 38-102) (2020)
2020 Connecticut General Statutes|Title 38a - Insurance|Chapter 700 - Property and Casualty Insurance|Section 38a-311. (Formerly Sec. 38-102) - Forms of supplemental contracts or extended coverage endorsements.

 The commissioner may approve appropriate forms of supplemental contract or contracts or extended coverage endorsements and additional contracts or endorsements, in addition to the perils covered under a standard fire insurance policy, and their use in connection with a standard fire insurance policy. The first page of the policy may, in form approved by the commissioner, be rearranged to provide space for the listing of amounts of insurance, rates and premiums for the basic coverages insured under the standard form of policy and for additional coverages or perils insured under supplemental or additional contracts or endorsements, and such other data as may be conveniently included for duplication on daily reports for office records.(1949 Rev., S. 6109; 1953, S. 2823d; P.A. 17-15, S. 24.)History: Sec. 38-102 transferred to Sec. 38a-311 in 1991; P.A. 17-15 made technical changes.Annotation to former section 38-102:Homeowners' policy, which excluded liability for articles covered by more specific insurance, upheld. 2 Conn. Cir. Ct. 112.
CT Gen Stat § 38a-312. (Formerly Sec. 38-103) (2020)
2020 Connecticut General Statutes|Title 38a - Insurance|Chapter 700 - Property and Casualty Insurance|Section 38a-312. (Formerly Sec. 38-103) - Renewal certificates.

 Nothing contained in sections 38a-306 to 38a-311, inclusive, shall be construed to prohibit the renewal of any policy conforming to the requirements of said sections by the issuance of a renewal certificate, subject to such regulations as the commissioner may prescribe.(1949 Rev., S. 6110.)History: Sec. 38-103 transferred to Sec. 38a-312 in 1991.
CT Gen Stat § 38a-313. (Formerly Sec. 38-104) (2020)
2020 Connecticut General Statutes|Title 38a - Insurance|Chapter 700 - Property and Casualty Insurance|Section 38a-313. (Formerly Sec. 38-104) - Replacement insurance.

 Nothing contained in section 38a-307 shall be construed to preclude insurance indemnifying the insured against the amount actually expended, in excess of actual cash value at the time any loss or damage occurs, to repair, rebuild or replace the insured property.(1949 Rev., S. 6111.)History: Sec. 38-104 transferred to Sec. 38a-313 in 1991.