reglab/housing_qa huggingface dataset:
NE Code § 44-7516 (2021)
2021 Nebraska Revised Statutes|Chapter 44 - Insurance|44-7516 - Use of nonadmitted insurers by exempt commercial policyholders.

44-7516.  Use of nonadmitted insurers by exempt commercial policyholders.(1) The director shall adopt and promulgate rules and regulations to allow exempt commercial policyholders to be exempt from those provisions of sections 44-5510 and 44-5511 that require, as a condition for the purchase of insurance from a nonadmitted insurer, that applicants demonstrate an inability to obtain insurance from a licensed insurer. Such exemption shall not apply to workers' compensation insurance, excess workers' compensation insurance, or automobile liability insurance, except that such exemption may apply to automobile liability insurance purchased as excess insurance over a policy that provides limits that are at least equal to the minimum limits of liability required by section 60-534.(2) The rules and regulations adopted and promulgated pursuant to this section may establish requirements and thresholds that differ by line or type of insurance or that differ from the requirements and thresholds for exemption from rate and policy form requirements adopted and promulgated pursuant to section 44-7515.(3) In addition to the factors specified in section 44-7515, the director shall consider the following in making a determination of the requirements and thresholds that will apply:(a) The relationship of deductibles, self-insured retentions, and limits of liability purchased by insureds versus the protection provided by the Nebraska Property and Liability Insurance Guaranty Association;(b) The characteristics of insureds likely to be able to evaluate the ability of a nonadmitted insurer to meet its policy obligations; and(c) The characteristics of insureds likely to be able to resolve policy and claims disputes that they may have with a nonadmitted insurer.(4) The rules and regulations may not exempt any policyholder with total premiums of less than one hundred thousand dollars for lines of insurance subject to the Property and Casualty Insurance Rate and Form Act.Source Laws 2000, LB 1119, § 16.
NE Code § 44-7516.01 (2021)
2021 Nebraska Revised Statutes|Chapter 44 - Insurance|44-7516.01 - Private passenger automobile liability policy; disclosure; requirements.

44-7516.01.  Private passenger automobile liability policy; disclosure; requirements.(1) On and after July 1, 2002, no private passenger automobile liability policy shall be delivered, issued for delivery, or renewed with respect to any motor vehicle licensed in this state unless accompanied by a disclosure showing the location used to determine the rate charged to the named insured and if any credit-based rating was used to determine the rate charged.(2) For an insurer determined by the director to be an insurer with a substantial market share of the private passenger automobile insurance premium written in this state:(a) The private passenger automobile liability insurance rating territories for motor vehicles located in a city of the metropolitan class that are contained in the insurer's qualifying rate filing made on or after January 1, 2002, shall be deemed to expire three years after their effective date unless they are refiled;(b) Unless the insurer has made a qualifying rate filing with an effective date on or after January 1, 2002, as provided in subdivision (2)(a) of this section, all filings made by the insurer of private passenger automobile insurance that justify the rating relativities of a rating territory for motor vehicles located in a city of the metropolitan class shall expire July 1, 2003;(c) If necessary for the director to complete his or her study of a rating system filing that is proposed as a qualifying rate filing, the director shall extend the three-year period if the insurer has made a proposed qualifying rate filing prior to the end of the three-year period with a requested effective date no later than three years after the effective date of its last qualifying rate filing;(d) A filing made by an advisory organization on behalf of an insurer shall be deemed to be a filing by the insurer for purposes of the expiration requirement of this subsection; and(e) For purposes of this subsection:(i) Insurer with a substantial market share of the private passenger automobile insurance premium written in this state means:(A) An insurer that is one of the ten insurers writing the largest amount of private passenger automobile insurance premium in this state; or(B) An insurer that meets any other standard prescribed by rule and regulation adopted and promulgated by the director; and(ii) Qualifying rate filing means an approved rating system filing that justifies the rating relativities of the private passenger automobile liability insurance rating territories for motor vehicles located in a city of the metropolitan class made on or after January 1, 2002.Source Laws 2001, LB 444, § 2.
NE Code § 44-7517 (2021)
2021 Nebraska Revised Statutes|Chapter 44 - Insurance|44-7517 - Information to be furnished insureds; hearing; appeal.

44-7517.  Information to be furnished insureds; hearing; appeal.Within a reasonable time after receiving a written request and after receiving payment of such reasonable charge as it may require, every insurer and advisory organization shall furnish all pertinent information to any insured affected by a rate, premium, or prospective loss cost made by the insurer or advisory organization. Upon written request, every insurer and advisory organization shall provide within this state reasonable means by which the insured aggrieved by the application of the advisory organization's or insurer's rating system may be heard, in person or by an authorized representative, to review the manner in which such rating system has been applied in connection with the insurance afforded the insured. If the insurer or advisory organization fails to act upon such request within thirty days after it is made, the applicant may proceed in the same manner as if the application had been rejected. An insured affected by the action of the insurer or advisory organization on such request may appeal to the director within thirty days after written notice of such action. The director, after a hearing held in accordance with section 44-7532, may affirm the action of the insurer or advisory organization or order remedial action to be undertaken by the insurer or advisory organization.Source Laws 2000, LB 1119, § 17.
NE Code § 44-7518 (2021)
2021 Nebraska Revised Statutes|Chapter 44 - Insurance|44-7518 - Advisory organizations and statistical agents; certificate of authority required; application; director; powers.

44-7518.  Advisory organizations and statistical agents; certificate of authority required; application; director; powers.(1) No advisory organization or statistical agent shall provide any service relating to insurance subject to the Property and Casualty Insurance Rate and Form Act, and no insurer shall use the services of such advisory organization or statistical agent for such purposes, unless the advisory organization or statistical agent has been issued a certificate of authority by the director. Such certificate of authority shall expire on April 30 each year and shall be renewed annually if the advisory organization or statistical agent has continued to comply with the laws of this state and the rules and regulations of the director.(2) No advisory organization or statistical agent shall refuse to supply any services for which it is licensed in this state to any insurer authorized to do business in this state and offering to pay the fair and usual compensation for the services.(3) An advisory organization or statistical agent applying to the director for a certificate of authority shall include with its application:(a) A copy of its constitution, charter, articles of incorporation, organization, agreement, or association, bylaws, plan of operation, and other rules or regulations governing the conduct of its business;(b) The names of insurers that own or have control over the applicant, and a description of their ownership or control;(c) The name and address of a resident of this state upon whom notices, process, or orders of the director may be served;(d) Information showing its qualifications for acting in the capacity for which it seeks a certificate of authority;(e) Biographical information on its officers; and(f) Any other relevant information and documents that the director may require.(4) Every applicant for a certificate of authority shall notify the director of all material changes in the information or documents on which its application was based. Any amendment to a document filed under this section shall be filed at least thirty days before it becomes effective.(5) The director shall issue a certificate of authority stating the authorized activity of the applicant for those applicants that meet all requirements of the law and are competent, trustworthy, and qualified to provide the services proposed. The authorized activity of an advisory organization or statistical agent may be limited to specified lines or types of insurance.(6) The director may at any time, after a hearing in accordance with section 44-7532, suspend or revoke the certificate of authority of an advisory organization or statistical agent that does not comply with the requirements of the act.(7) An applicant requesting a certificate of authority to operate both as an advisory organization and as a statistical agent may be so authorized under a single certificate.Source Laws 2000, LB 1119, § 18.
NE Code § 44-7519 (2021)
2021 Nebraska Revised Statutes|Chapter 44 - Insurance|44-7519 - Insurers, advisory organizations, and statistical agents; prohibited acts.

44-7519.  Insurers, advisory organizations, and statistical agents; prohibited acts.(1) No insurer, advisory organization, or statistical agent shall attempt to monopolize or combine or conspire with any other person to monopolize an insurance market or to engage in a boycott, on a concerted basis, of an insurance market.(2) No insurer shall agree with any other insurer or with any advisory organization or statistical agent to require adherence to or to require use of any aspect of any rating system, form, prospective loss cost, dividend payment practice, underwriting rule or practice, survey, inspection, or similar material except as required by section 44-7524 or as is necessary to develop statistical plans. This subsection shall not apply to agreements between insurers under the same ownership.(3) No advisory organization or statistical agent shall agree with any insurer or with another advisory organization or statistical agent to require adherence to or to require use of any aspect of any rating system, form, prospective loss cost, dividend payment practice, underwriting rule or practice, survey, inspection, or similar material except as required by section 44-7524 or as is necessary to develop statistical plans.(4) The fact that two or more insurers, whether or not members or subscribers of an advisory organization, consistently or intermittently use the same rates, rating systems, forms, prospective loss costs, underwriting rules or practices, surveys, inspections, or similar materials shall not be sufficient basis to establish a violation of this section.(5) No insurer, advisory organization, or statistical agent shall make any arrangement with any other insurer, advisory organization, statistical agent, or other person which has the purpose or effect of unreasonably restraining trade or of substantially lessening competition in the business of insurance.Source Laws 2000, LB 1119, § 19.
NE Code § 44-7520 (2021)
2021 Nebraska Revised Statutes|Chapter 44 - Insurance|44-7520 - Advisory organizations and statistical agents; prohibited activities.

44-7520.  Advisory organizations and statistical agents; prohibited activities.Except as permitted in sections 44-7521 and 44-7522, no advisory organization or statistical agent shall compile, file, or distribute recommendations relating to rating systems that include profits, dividends, or expenses other than loss adjustment expenses.Source Laws 2000, LB 1119, § 20.
NE Code § 44-7521 (2021)
2021 Nebraska Revised Statutes|Chapter 44 - Insurance|44-7521 - Statistical agents; authorized activities.

44-7521.  Statistical agents; authorized activities.A statistical agent may, for the lines of insurance for which it has been licensed:(1) Develop statistical plans including territorial and class definitions;(2) Collect and distribute statistical data from insurers or any other source;(3) Collect, compile, and publish past and current rates charged by individual insurers if such information is also made available to the general public at no more than a reasonable cost;(4) Collect and compile exposure and loss experience for the purpose of individual risk experience ratings;(5) Undertake educational activities relating to the collection, compilation, or interpretation of insurance-related data;(6) Distribute any other information that is filed with the director; and(7) Furnish any other services, as approved or directed by the director, related to those enumerated in this section.Source Laws 2000, LB 1119, § 21.
NE Code § 44-7522 (2021)
2021 Nebraska Revised Statutes|Chapter 44 - Insurance|44-7522 - Advisory organizations; authorized activities.

44-7522.  Advisory organizations; authorized activities.An advisory organization may, for the lines of insurance for which it has been licensed:(1) Engage in those activities enumerated in section 44-7521;(2) Prepare, file, and distribute prospective loss costs;(3) Prepare, file, and distribute manuals of rating rules, rating schedules, experience rating plans and other supplementary rating information that do not include final rates, expense provisions, profit provisions, or minimum premiums;(4) Prepare and distribute experience rating plan modifiers for individual policyholders;(5) Prepare, file, and distribute factors, calculations, or formulas pertaining to classification, territory, and other variables;(6) Prepare, file, and distribute increased limits factors, which may include an incremental profit load, also called a risk load;(7) Conduct research and inspections in order to prepare classifications of public fire defenses or to evaluate the effectiveness of building codes and their enforcement;(8) Conduct inspections to determine rating classifications for individual insureds;(9) Consult with public officials regarding public fire protection as it would affect members, subscribers, and others;(10) Conduct research in order to discover, identify, and classify information relating to causes or prevention of losses;(11) Prepare, file, and distribute policy forms and gather information from members, subscribers, and others relative to the application and interpretation of the policy forms;(12) Conduct research and inspections for the purpose of providing risk information relating to individual structures;(13) If instructed by the director, file rates instead of prospective loss costs for assigned risk or other residual market mechanisms;(14) Conduct research to determine the impact of statutory changes upon prospective loss costs;(15) Undertake educational activities on the use of policy forms, analysis of losses, loss trends, loss reserves, expenses, and other policy form and ratemaking topics;(16) For workers' compensation insurance, establish a committee that may include insurance company representatives to review the application of the classification system for individual insureds and to suggest modifications to the classification system;(17) Distribute any other information that is filed with the director; and(18) Furnish any other services approved or directed by the director related to the services enumerated in this section.Source Laws 2000, LB 1119, § 22.
NE Code § 44-7523 (2021)
2021 Nebraska Revised Statutes|Chapter 44 - Insurance|44-7523 - Advisory organizations; general filing requirements applicable.

44-7523.  Advisory organizations; general filing requirements applicable.Filings by an advisory organization of prospective loss costs, rating systems or policy forms and related attachment rules shall be subject to the provisions of the Property and Casualty Insurance Rate and Form Act applicable to filings generally. Rating system filings by an advisory organization shall be subject to the provisions of sections 44-7510 and 44-7511.Source Laws 2000, LB 1119, § 23.
NE Code § 44-7524 (2021)
2021 Nebraska Revised Statutes|Chapter 44 - Insurance|44-7524 - Workers' compensation; uniform classification system required; premiums; how calculated.

44-7524.  Workers' compensation; uniform classification system required; premiums; how calculated.(1) Every workers' compensation insurer shall adhere to a uniform classification system and shall report its experience in accordance with statistical plans and other reporting requirements to ensure that data is combined for all insurers for the development of prospective loss costs and the application of experience rating.(2) Every insurer shall utilize experience rating plan modifiers developed by an advisory organization pursuant to an experience rating plan approved by the director.(3) A workers' compensation insurer may develop subclassifications of the uniform classification system upon which a rate may be made. Such subclassifications and the filing shall be subject to the provisions of the Property and Casualty Insurance Rate and Form Act applicable to rating system filings generally.(4) The director shall disapprove subclassifications, rating plans, or other variations from manual rules filed by a workers' compensation insurer or advisory organization if the insurer or advisory organization fails to demonstrate that the data produced can be reported consistently with the uniform classification system and experience rating system and will allow for the application of experience rating.(5) Workers' compensation premiums shall be calculated on a basis that, as nearly as is practicable, after the effects of experience rating and other applicable rating plans have been considered, the sum of expected losses and expected expenses as a percentage of premium shall be the same for high-wage-paying and low-wage-paying employers in the same job classification.Source Laws 2000, LB 1119, § 24.
NE Code § 44-7525 (2021)
2021 Nebraska Revised Statutes|Chapter 44 - Insurance|44-7525 - Joint underwriting; joint reinsurance; requirements; director; powers.

44-7525.  Joint underwriting; joint reinsurance; requirements; director; powers.(1) Every joint underwriting pool or joint reinsurance pool shall file with the director a copy of its constitution, articles of incorporation, organization, agreement, or association, bylaws, and other rules and regulations governing its activities, a listing of its members, the name and address of a resident of this state upon whom notices, process, or orders of the director may be served, and any amendments or changes thereto.(2) Notwithstanding section 44-7519, insurers participating in joint underwriting or in joint underwriting pools or joint reinsurance pools may, in connection with such activity, act in cooperation with each other in the development of rates, rating systems, policy forms, underwriting rules, surveys, inspections, and investigations, the furnishing of loss and expense statistics or other information, or the conducting of research.(3) Except as provided in this section, joint underwriting, joint underwriting pool, and joint reinsurance pool activities shall be subject to the Property and Casualty Insurance Rate and Form Act.(4) If, after a hearing in accordance with section 44-7532, the director finds that any activity or practice of an insurer participating in joint underwriting, a joint underwriting pool, or a joint reinsurance pool will tend to lessen competition in any market or is otherwise inconsistent with the provisions or purposes of the act, the director may issue an order requiring the discontinuance of such activity or practice.Source Laws 2000, LB 1119, § 25.
NE Code § 44-7526 (2021)
2021 Nebraska Revised Statutes|Chapter 44 - Insurance|44-7526 - Examinations.

44-7526.  Examinations.(1) To ascertain compliance with the Property and Casualty Insurance Rate and Form Act, the director may, as often as is deemed to be expedient, make or cause to be made an examination of each advisory organization, statistical agent, joint underwriting pool, or joint reinsurance pool doing business in this state. The advisory organization, statistical agent, or pool examined shall pay the reasonable costs of any such examination. The officers, manager, agents, and employees of such advisory organization, statistical agent, or pool may be examined at any time under oath and shall exhibit all books, records, accounts, documents, or agreements governing its method of operation.(2) In lieu of any such examination, the director may accept (a) the report of an examination made by the insurance supervisory official of another state or (b) the report of an independent certified public accountant in good standing with the American Institute of Certified Public Accountants. Every such advisory organization, statistical agent, joint underwriting pool, or joint reinsurance pool shall, within thirty days after the receipt of a final examination report of any other state, provide a copy of the report to the director. Every such advisory organization, statistical agent, joint underwriting pool, or joint reinsurance pool shall, within thirty days after the publication or public filing of a report made by an independent certified public accountant, provide a copy of the report to the director.Source Laws 2000, LB 1119, § 26.