reglab/housing_qa huggingface dataset:
18 DE Code § 1757. (2021)
2021 Delaware Code|Title 18 - Insurance Code|Chapter 17A. Licensing of Public Adjusters|§ 1757. Adjustments to comply with insurance contract and law.

§ 1757. Adjustments to comply with insurance contract and law. A public insurance adjuster shall adjust or investigate every claim, damage or loss made or occurring under an insurance contract for which the public insurance adjuster has been employed in accordance with the terms and conditions of the public insurance adjuster's contract with the insured and the applicable laws and regulations of the State. 74 Del. Laws, c. 178, §  1;  70 Del. Laws, c. 186, §  1;
18 DE Code § 1758. (2021)
2021 Delaware Code|Title 18 - Insurance Code|Chapter 17A. Licensing of Public Adjusters|§ 1758. Prohibited acts.

§ 1758. Prohibited acts. (a) Notwithstanding any other grounds for disciplinary action provided for in this chapter, the Commissioner may deny, revoke, suspend, refuse to renew or impose a penalty on an applicant or licensee for violation of the prohibited acts set out in this section. (b) A licensed public adjuster is prohibited from:  (1) Paying any money or giving anything of value to any person in consideration of a direct or indirect referral of a client or potential client; (2) Paying any money or giving anything of value to any person in consideration as an inducement to refer business or clients; (3) Charging, collecting, or receiving any money or anything of value from any person providing services to an insured, either directly or on behalf of the public adjuster, in connection with the business of adjusting insurance claims, without the prior written disclosure of the fee or benefit to the insured; (4) Rebating to any client any part of a fee specified in the employment contract; (5) Splitting the licensed public adjuster's fees or paying any money to any person for services rendered to a client unless such other person is also licensed as a public adjuster; (6) Having any interest directly or indirectly in any home improvement, restoration, construction, salvage, appraisal, loss mitigation, cleaning or environmental restoration business that conducts business in the State; (7) In connection with the licensee's conduct of business as public adjuster, making any misrepresentation of facts or advising any person on any question of law; (8) Making false statements about any insurance company or its employees, agents or representatives; (9) Soliciting the employment by a client in connection with any loss which is the subject of an employment contract involving the client and another public adjuster; (10) Representing both the insurer and the insured; or (11) Advancing any money to a client pending the settlement of a loss where such amount would be included in the final settlement. (c) A violation of § 1758 of this title shall be construed to be a violation of the applicable provisions of the Delaware Unfair Trade Practices Act [Chapter 25 of Title 6] and the Unfair Claims Settlement Practices Act [Chapter 23 of this title] and may constitute a violation of the Delaware Insurance Fraud Statute [§ 2407 of this title]. (d) A public adjuster shall also be subjected to the penalties applicable to licensees under Chapter 17 of this title. 74 Del. Laws, c. 178, §  1;  70 Del. Laws, c. 186, §  1;
18 DE Code § 1759. (2021)
2021 Delaware Code|Title 18 - Insurance Code|Chapter 17A. Licensing of Public Adjusters|§ 1759. Regulations and scope.

§ 1759. Regulations and scope. (a) The Commissioner shall promulgate rules and regulations as are necessary to carry out this chapter. (b) This chapter shall not apply to:  (1) An adjuster for or an agent or employee of an insurer or group of insurers under common control or ownership that, as a representative of the insurer or group, adjusts losses or damages under policies issued by the insurer or group of insurers; (2) An agent or broker that acts as an adjuster without compensation for an insured for whom the agent or broker is acting as an agent or broker; (3) An attorney at law who does not:  a. Regularly act as a public insurance adjuster; or b. Represent to the public by sign, advertisement or other written or oral communication indicating that the attorney at law acts as a public insurance adjuster; or (4) A licensed health-care provider, or employee of a licensed health-care provider, who prepares or files a health insurance claim form on behalf of a patient; (5) Persons employed only for the purpose of obtaining facts surrounding a loss or furnishing technical assistance to a licensed adjuster, including but not limited to photographers, private investigators, engineers and handwriting experts; (6) Any agent or other person who negotiates and/or settles claims arising under life and health insurance policies; (7) A person who performs clerical duties for or as an employee of an insurance company, but who does not participate in negotiations with parties on disputed and/or contested claims; or (8) Any person who settles subrogation claims between authorized insurers.74 Del. Laws, c. 178, §  1;
18 DE Code § 1760. (2021)
2021 Delaware Code|Title 18 - Insurance Code|Chapter 17A. Licensing of Public Adjusters|§ 1760. Immunity.

§ 1760. Immunity. There shall be no liability on the part of and no cause of action shall arise against, the Commissioner or the Insurance Department or its employees for any action taken by them in the performance of their powers and duties under this chapter. 74 Del. Laws, c. 178, §  1;
18 DE Code § 1761. (2021)
2021 Delaware Code|Title 18 - Insurance Code|Chapter 17A. Licensing of Public Adjusters|§ 1761. Severability clause.

§ 1761. Severability clause. If any provision of this chapter, or its application to any person or circumstance, is held invalid, that determination shall not affect the provisions or applications of this chapter that can be given effect without the invalid provision or application, and to that end the provisions of this chapter are severable. 74 Del. Laws, c. 178, §  1;
18 DE Code § 1770. (2021)
2021 Delaware Code|Title 18 - Insurance Code|Chapter 17B. Licensing of Limited Lines Travel Insurance Producers|§ 1770. Short title.

§ 1770. Short title. This chapter shall be known as the “Limited Lines Travel Insurance Act.” 79 Del. Laws, c. 428, §  5;
18 DE Code § 1771. (2021)
2021 Delaware Code|Title 18 - Insurance Code|Chapter 17B. Licensing of Limited Lines Travel Insurance Producers|§ 1771. Definitions.

§ 1771. Definitions. For purposes of this chapter, the following terms have the meanings indicated. (1) “Limited lines travel insurance producer” means a licensed managing general agent or third-party administrator, or licensed insurance producer, including a limited lines producer, designated by an insurer as the travel insurance supervising entity as set forth in § 1775 of this title. (2) “Offer and disseminate” means providing general information, including a description of the coverage and price, as well as processing the application, collecting premiums, and performing other nonlicensable activities permitted by the State. (3) “Travel insurance” shall have the meaning stated in § 1702 of this title. (4) “Travel retailer” means a business entity that makes, arranges or offers travel services and may offer and disseminate travel insurance as a service to its customers on behalf of and under the direction of a limited lines travel insurance producer.79 Del. Laws, c. 428, §  5;  80 Del. Laws, c. 215, § 1;
18 DE Code § 1773. (2021)
2021 Delaware Code|Title 18 - Insurance Code|Chapter 17B. Licensing of Limited Lines Travel Insurance Producers|§ 1773. Registration.

§ 1773. Registration. Notwithstanding any other provision in law, a travel retailer whose insurance-related activities, and those of its employees and authorized representatives, are limited to offering and disseminating travel insurance on behalf of and under the direction of a limited lines travel insurance producer meeting the conditions stated in this chapter, is authorized to do so and receive related compensation, upon registration by the limited lines travel insurance producer as described in § 1772(2)b. of this title. 79 Del. Laws, c. 428, §  5;
18 DE Code § 1774. (2021)
2021 Delaware Code|Title 18 - Insurance Code|Chapter 17B. Licensing of Limited Lines Travel Insurance Producers|§ 1774. Policy.

§ 1774. Policy. Travel insurance may be provided under an individual policy or under a group or master policy to the extent permitted under Delaware laws and regulations. 79 Del. Laws, c. 428, §  5;
18 DE Code § 1775. (2021)
2021 Delaware Code|Title 18 - Insurance Code|Chapter 17B. Licensing of Limited Lines Travel Insurance Producers|§ 1775. Responsibility.

§ 1775. Responsibility. The limited lines travel insurance producer is responsible for the acts of the travel retailers and shall use reasonable means to ensure compliance by the travel retailers with this chapter. 79 Del. Laws, c. 428, §  5;
18 DE Code § 1776. (2021)
2021 Delaware Code|Title 18 - Insurance Code|Chapter 17B. Licensing of Limited Lines Travel Insurance Producers|§ 1776. Enforcement.

§ 1776. Enforcement. The limited lines travel insurance producer and any travel retailer offering and disseminating travel insurance on behalf of the limited lines travel insurance producer shall be subject to Chapter 17 (to the extent not inconsistent with this chapter) and Chapter 23 of this title. 79 Del. Laws, c. 428, §  5;
18 DE Code § 1801. (2021)
2021 Delaware Code|Title 18 - Insurance Code|Chapter 18. Managing General Agents Act|§ 1801. Short title.

§ 1801. Short title. This chapter may be cited as the “Managing General Agents Act.” 68 Del. Laws, c. 68, §  1;
18 DE Code § 1802. (2021)
2021 Delaware Code|Title 18 - Insurance Code|Chapter 18. Managing General Agents Act|§ 1802. Definitions.

§ 1802. Definitions. As used in this chapter:  (1) “Actuary” means a person who is a member in good standing of the American Academy of Actuaries. (2) “Insurer” means any person, firm, association or corporation duly licensed in this State as an insurance company pursuant to Chapter 17 of this title. (3) “Managing general agent” (“MGA”) means any person, firm, association or corporation who negotiates and binds ceding reinsurance contracts on behalf of an insurer or manages all or part of the insurance business of an insurer (including the management of a separate division, department or underwriting office) and acts as an agent for such insurer whether known as a managing general agent, manager or other similar term, who, with or without the authority, either separately or together with affiliates, produces, directly or indirectly, and underwrites an amount of gross direct written premium equal to or more than 5 percent of the policyholder surplus as reported in the last annual statement of the insurer in any 1 quarter or year together with 1 or more of the following:  a. Adjusts or pays claims in excess of an amount determined by the Commissioner; or b. Negotiates reinsurance on behalf of the insurer. Notwithstanding the above, the following persons shall not be considered as MGAs for the purposes of this chapter:  a. An employee of the insurer; b. A United States manager of the United States branch of an alien insurer; c. An underwriting manager which, pursuant to contract, manages all or part of the insurance operations of the insurer, is under common control with the insurer, subject to the holding company regulatory act and whose compensation is not based on the volume of premiums written without regard for the profitability of the business written; d. The attorney-in-fact authorized by, and acting for, the subscribers of a reciprocal insurer of interinsurance exchange under powers of attorney. (4) “Underwrite” means the authority to accept or reject risk on behalf of the insurer.68 Del. Laws, c. 68, §  1;
18 DE Code § 1803. (2021)
2021 Delaware Code|Title 18 - Insurance Code|Chapter 18. Managing General Agents Act|§ 1803. Licensure.

§ 1803. Licensure. (a) No person, firm, association or corporation shall act in the capacity of an MGA with respect to risks located in this State for an insurer licensed in this State unless such person is a licensed producer in this State. (b) No person, firm, association or corporation shall act in the capacity of an MGA representing an insurer domiciled in this State with respect to risks located outside this State unless such person is licensed as a producer in this State (such license may be a nonresident license) pursuant to this chapter. (c) The Commissioner may require a bond in an amount acceptable to the Commissioner for the protection of the insurer. (d) The Commissioner may require the MGA to maintain an errors and omissions policy. 68 Del. Laws, c. 68, §  1;  70 Del. Laws, c. 186, §  1;
18 DE Code § 1805. (2021)
2021 Delaware Code|Title 18 - Insurance Code|Chapter 18. Managing General Agents Act|§ 1805. Duties of insurers.

§ 1805. Duties of insurers. (a) The insurer shall have on file an independent financial examination, in a form acceptable to the Commissioner, of each MGA with which it has done business. (b) If an MGA establishes loss reserves, the insurer shall annually obtain the opinion of an actuary attesting to the adequacy of loss reserves established for losses incurred and outstanding on business produced by the MGA. This is in addition to any other required loss reserve certification. (c) The insurer shall periodically (at least semiannually) conduct an on-site review of the underwriting and claims processing operations of the MGA. (d) Binding authority for all reinsurance contracts or participation in insurance or reinsurance syndicates shall rest with an officer of the insurer, who shall not be affiliated with the MGA. (e) Within 30 days of entering into or termination of a contract with an MGA, the insurer shall provide written notification of such appointment or termination to the Commissioner. Notices of appointment of an MGA shall include a statement of duties which the applicant is expected to perform on behalf of the insurer, the lines of insurance for which the applicant is to be authorized to act, and any other information the Commissioner may request. (f) An insurer shall review its books and records each quarter to determine if any producer, as defined by § 1802(3) of this title, has become, by operation of § 1802(3) of this title, an MGA as defined in that section. If the insurer determines that a producer has become an MGA pursuant to the above, the insurer shall promptly notify the producer and the Commissioner of such determination and the insurer and producer must fully comply with this chapter within 30 days. (g) An insurer shall not appoint to its board of directors an officer, director, employee, subproducer or controlling shareholder of its MGAs. This subsection shall not apply to relationships governed by the Insurance Holding Company Act or, if applicable, the Broker Controlled Insurer Act. 68 Del. Laws, c. 68, §  1;
18 DE Code § 1806. (2021)
2021 Delaware Code|Title 18 - Insurance Code|Chapter 18. Managing General Agents Act|§ 1806. Examination authority.

§ 1806. Examination authority. The acts of the MGA are considered to be the acts of the insurer on whose behalf it is acting. An MGA may be examined as if it were the insurer. An MGA shall retain all records pertaining to a specific insurer until the conclusion of the regular financial examination on that insurer by the domestic regulator. 68 Del. Laws, c. 68, §  1;  69 Del. Laws, c. 92, §  6;
18 DE Code § 1807. (2021)
2021 Delaware Code|Title 18 - Insurance Code|Chapter 18. Managing General Agents Act|§ 1807. Penalties and liabilities.

§ 1807. Penalties and liabilities. (a) If the Commissioner finds after a hearing conducted in accordance with the Administrative Procedures Act [Chapter 100 of Title 29] that any person has violated any provision or provisions of this chapter, the Commissioner may order:  (1) For each separate violation, a penalty in an amount of $15,000; (2) Revocation or suspension of the producer's license; and (3) The MGA to reimburse the insurer, the rehabilitator or liquidator of the insurer for any losses incurred by the insurer caused by a violation of this chapter committed by the MGA. (b) The decision, determination or order of the Commissioner pursuant to subsection (a) of this section shall be subject to judicial review pursuant to the Administrative Procedures Act [Chapter 100 of Title 29]. (c) Nothing contained in this section shall affect the right of the Commissioner to impose any other penalties provided for in the Insurance Law. (d) Nothing contained in this chapter is intended to or shall in any manner limit or restrict the rights of policyholders, claimants and auditors. 68 Del. Laws, c. 68, §  1;
18 DE Code § 1808. (2021)
2021 Delaware Code|Title 18 - Insurance Code|Chapter 18. Managing General Agents Act|§ 1808. Rules and regulations.

§ 1808. Rules and regulations. The Commissioner of Insurance may adopt reasonable rules and regulations for the implementation and administration of this chapter. 68 Del. Laws, c. 68, §  1;
18 DE Code § 1809. (2021)
2021 Delaware Code|Title 18 - Insurance Code|Chapter 18. Managing General Agents Act|§ 1809. Effective date.

§ 1809. Effective date. This chapter shall take effect on September 30, 1991. No insurer may continue to utilize the services of an MGA on and after September 30, 1991, unless such utilization is in compliance with this chapter. 68 Del. Laws, c. 68, §  1;
18 DE Code § 2001. (2021)
2021 Delaware Code|Title 18 - Insurance Code|Chapter 20. Rental Car Insurance Producer Limited License Act|§ 2001. Short title.

§ 2001. Short title. This chapter shall be known as the “Rental Car Insurance Producer Limited License Act.” 73 Del. Laws, c. 189, §  1;
18 DE Code § 2002. (2021)
2021 Delaware Code|Title 18 - Insurance Code|Chapter 20. Rental Car Insurance Producer Limited License Act|§ 2002. Definitions.

§ 2002. Definitions. As used in this chapter:  (1) “Limited license” means the authority of a person or entity authorized to sell certain coverages relating to the rental of vehicles pursuant to this chapter. (2) “Rental agreement” means any written agreement setting forth the terms and conditions governing the use of a vehicle provided by the rental company for rental or lease. (3) “Rental company” means any person or entity in the business of providing primarily motor vehicles to the public under a rental agreement for a rental period not to exceed 90 days. (4) “Renter” means any person obtaining the use of a vehicle from a rental company under the terms of a rental agreement for a rental period not to exceed 90 days. (5) “Vehicle” or “rental vehicle” means a motor vehicle of the private passenger type including passenger vans, minivans and sport utility vehicles, and of the cargo type, including cargo vans, pickup trucks with a gross vehicle weight of less than 26,000 pounds and which do not require the operator to possess a commercial driver's license.73 Del. Laws, c. 189, §  1;
18 DE Code § 2004. (2021)
2021 Delaware Code|Title 18 - Insurance Code|Chapter 20. Rental Car Insurance Producer Limited License Act|§ 2004. Termination of limited license.

§ 2004. Termination of limited license. In the event that any provision of this chapter is violated by a limited licensee, the Commissioner may:  (1) After notice and a hearing, revoke or suspend a limited license issued under this chapter. (2) After notice and hearing, impose such other penalties, including suspending the transaction of insurance at specific rental locations where violations of this chapter have occurred, as the Commissioner deems to be necessary or convenient to carry out the purposes of this chapter.73 Del. Laws, c. 189, §  1;
18 DE Code § 2005. (2021)
2021 Delaware Code|Title 18 - Insurance Code|Chapter 20. Rental Car Insurance Producer Limited License Act|§ 2005. Rules and regulations.

§ 2005. Rules and regulations. The Commissioner may issue reasonable rules and regulations for the implementation and administration of this chapter. 73 Del. Laws, c. 189, §  1;
18 DE Code § 2006. (2021)
2021 Delaware Code|Title 18 - Insurance Code|Chapter 20. Rental Car Insurance Producer Limited License Act|§ 2006. Fees.

§ 2006. Fees. The fee for this limited license shall be $300 per year, per company. 73 Del. Laws, c. 189, §  1;
18 DE Code § 2050. (2021)
2021 Delaware Code|Title 18 - Insurance Code|Chapter 20A. Portable Electronic Device Insurance Producer Limited License Act|§ 2050. Short title.

§ 2050. Short title. This chapter shall be known as the “Portable Electronic Device Insurance Producer Limited License Act”. 78 Del. Laws, c. 359, §  5;
18 DE Code § 2051. (2021)
2021 Delaware Code|Title 18 - Insurance Code|Chapter 20A. Portable Electronic Device Insurance Producer Limited License Act|§ 2051. Definitions.

§ 2051. Definitions. As used in this chapter:  (1) “Customer” means a person who purchases portable electronics or services. (2) “Enrolled customer” means a customer who elects coverage under a portable electronics insurance policy issued to a vendor of portable electronics. (3) “Location” means any physical location in the State or any website, call center site or similar location directed to residents of the State. (4) “Portable electronics” means electronic devices that are portable in nature, their accessories and services related to the use of the device. (5) a. “Portable electronics insurance” means insurance providing coverage for the repair or replacement of portable electronics which may provide coverage for portable electronics against any 1 or more of the following: loss, theft, inoperability due to mechanical failure, malfunction, damage, or other similar cause of need for repair or replacement. b. “Portable electronics insurance” does not include:  1. A service contract or extended warranty providing coverage limited to the repair, replacement or maintenance of property for the operational or structural failure of property due to a defect in materials, workmanship, accidental damage from handling power surges, or normal wear and tear; 2. A policy of insurance covering a seller's or a manufacturer's obligations under a warranty; or 3. A homeowner's, renter's, private passenger automobile, commercial multi-peril, or similar policy. (6) “Portable electronics transaction” means:  a. The sale or lease of portable electronics by a vendor to a customer; or b. The sale of a service related to the use of portable electronics by a vendor to a customer. (7) “Supervising entity” means a business entity that is a licensed insurer or insurance producer that is appointed by an insurer to supervise the administration of a portable electronics insurance program. (8) “Vendor” means a person in the business of engaging in portable electronics transactions directly or indirectly.78 Del. Laws, c. 359, §  5;
18 DE Code § 2052. (2021)
2021 Delaware Code|Title 18 - Insurance Code|Chapter 20A. Portable Electronic Device Insurance Producer Limited License Act|§ 2052. Licensure of vendors.

§ 2052. Licensure of vendors. (a) A vendor is required to hold a limited lines license to sell or offer coverage under a policy of portable electronics insurance. (b) A limited lines license issued under this section shall authorize any employee or authorized representative of the vendor to sell or offer coverage under a policy of portable electronics insurance to a customer at each location at which the vendor engages in portable electronics transactions. (c) The supervising entity shall maintain a registry of vendor locations which are authorized to sell or solicit portable electronics insurance coverage in this State. Upon request by the Commissioner and with 10 days' notice to the supervising entity, the registry shall be open to inspection and examination by the Commissioner during regular business hours of the supervising entity. (d) Notwithstanding any other provision of law, a license issued pursuant to this section shall authorize the licensee and its employees or authorized representatives to engage in those activities that are permitted in this section. 78 Del. Laws, c. 359, §  5;