reglab/housing_qa huggingface dataset:
MD. Insurance Code Ann. §  25-109 (2021)
2021 Maryland Statutes|Insurance|Title 25 - Alternative Market Mechanisms|Subtitle 1 - Maryland Risk Retention Act|Section 25-109 - Enforcement of United States District Court Order

    On a finding that a risk retention group is in a hazardous financial condition or is financially impaired, an order issued by a District Court of the United States that enjoins the risk retention group from soliciting or selling insurance or operating in a state, in all states, or in a territory or possession of the United States is enforceable in the courts of this State.
MD. Insurance Code Ann. §  25-110 (2021)
2021 Maryland Statutes|Insurance|Title 25 - Alternative Market Mechanisms|Subtitle 1 - Maryland Risk Retention Act|Section 25-110 - Fines and Penalties

    A risk retention group that violates any provision of this subtitle is subject to fines and penalties applicable to licensed insurers generally, including revocation of its license and the right to do business in the State.
MD. Insurance Code Ann. §  25-111 (2021)
2021 Maryland Statutes|Insurance|Title 25 - Alternative Market Mechanisms|Subtitle 1 - Maryland Risk Retention Act|Section 25-111 - Short Title

    This subtitle is the Maryland Risk Retention Act.
MD. Insurance Code Ann. §  25-201 (2021)
2021 Maryland Statutes|Insurance|Title 25 - Alternative Market Mechanisms|Subtitle 2 - Agricultural Group Policies|Section 25-201 - Purpose of Subtitle

    The purpose of this subtitle is to allow employees of small farms to be entitled to protection under the Maryland Workers’ Compensation Act.
MD. Insurance Code Ann. §  25-202 (2021)
2021 Maryland Statutes|Insurance|Title 25 - Alternative Market Mechanisms|Subtitle 2 - Agricultural Group Policies|Section 25-202 - Employers Subject to Subtitle

    This subtitle applies to the following employers of agricultural labor, some or all of whom may not be required to carry workers’ compensation insurance:         (1)    members of a nonprofit agricultural association; and        (2)    members of or stockholders in a nonprofit cooperative agricultural marketing association of producers.
MD. Insurance Code Ann. §  25-203 (2021)
2021 Maryland Statutes|Insurance|Title 25 - Alternative Market Mechanisms|Subtitle 2 - Agricultural Group Policies|Section 25-203 - Group Workers' Compensation Policy Authorized

    Employers subject to this subtitle may be insured under a group workers’ compensation insurance policy under the conditions that the Commissioner sets.
MD. Insurance Code Ann. §  25-204 (2021)
2021 Maryland Statutes|Insurance|Title 25 - Alternative Market Mechanisms|Subtitle 2 - Agricultural Group Policies|Section 25-204 - Premium Payment Guaranteed

    The nonprofit agricultural association or nonprofit cooperative agricultural marketing association of producers shall guarantee premium payment by its members that are covered under the group workers’ compensation policy.
MD. Insurance Code Ann. §  25-301 (2021)
2021 Maryland Statutes|Insurance|Title 25 - Alternative Market Mechanisms|Subtitle 3 - Group Self-Insurance for Workers' Compensation|Section 25-301 - Definitions

    (a)    In this subtitle the following words have the meanings indicated.    (b)    “Administrator” means a person engaged by a workers’ compensation self-insurance group to carry out the policies established by the self-insurance group and to provide management of the self-insurance group.    (c)    “Insolvent self-insurance group” means a self-insurance group in which each individual member of the group is unable to meet the member’s debts as they mature in the ordinary course of business, as determined by the Commissioner.    (d)    “Self-insurance agreement” means the partnership arrangement between the members of a self-insurance group that defines the rights, obligations, and liabilities of the members of the self-insurance group.    (e)    (1)    “Self-insurance group” means two or more employers organized in accordance with this subtitle.        (2)    “Self-insurance group” does not include a governmental self-insurance group organized under § 9-404 of the Labor and Employment Article.
MD. Insurance Code Ann. §  25-302 (2021)
2021 Maryland Statutes|Insurance|Title 25 - Alternative Market Mechanisms|Subtitle 3 - Group Self-Insurance for Workers' Compensation|Section 25-302 - Self-Insurance Groups Authorized

    An employer may satisfy the requirements of § 9-402 of the Labor and Employment Article by participating in a self-insurance group that meets the requirements of this subtitle.
MD. Insurance Code Ann. §  25-303 (2021)
2021 Maryland Statutes|Insurance|Title 25 - Alternative Market Mechanisms|Subtitle 3 - Group Self-Insurance for Workers' Compensation|Section 25-303 - Regulations

    (a)    In this section, “service company” means a person that provides services that are not provided by the administrator, including:        (1)    claims adjustment;        (2)    safety engineering;        (3)    compilation of statistics and the preparation of premium, loss, and tax reports;        (4)    preparation of other required self-insurance reports;        (5)    development of members’ assessments and fees; and        (6)    administration of a claim fund.    (b)    The Commissioner shall adopt regulations to carry out this subtitle.    (c)    The regulations shall include:        (1)    classifications of businesses and industries, based on the type of activity conducted by the business or industry, within which employers may join together in self-insurance groups;        (2)    for each classification:            (i)    a minimum level of contribution of at least $250,000 in premiums collected from or pledged by members of a self-insurance group to a fund from which workers’ compensation claims will be paid;            (ii)    a minimum level of excess insurance coverage that must be obtained by each self-insurance group;            (iii)    a requirement that the minimum levels of excess insurance adopted under this subtitle may be satisfied by placing, in a depository that the Commissioner designates, securities in a form and amount that the Commissioner requires; and            (iv)    a surety bond of at least $100,000 that must be obtained by each self-insurance group;        (3)    conditions under which contributions by members of a self-insurance group may be rebated or temporarily suspended;        (4)    for each administrator or service company, a bond that the Commissioner may require in addition to any other required bond; and        (5)    a requirement that the governance of the group be under the control of its members.
MD. Insurance Code Ann. §  25-304 (2021)
2021 Maryland Statutes|Insurance|Title 25 - Alternative Market Mechanisms|Subtitle 3 - Group Self-Insurance for Workers' Compensation|Section 25-304 - General Requirements

    (a)    Before a self-insurance group may operate, the self-insurance group must obtain the approval of the Commissioner, including approval of its self-insurance agreement.    (b)    Each self-insurance group must have combined net assets of at least $1,000,000.    (c)    (1)    A self-insurance group shall pay all workers’ compensation benefits for which each member incurs liability during its period of membership.        (2)    Each member of a self-insurance group is jointly and severally liable for the workers’ compensation obligations of the group and its members that are incurred during its period of membership.        (3)    A member who elects to terminate its membership in or is canceled by a group remains jointly and severally liable for workers’ compensation obligations of the group and its members which were incurred during the canceled or terminated member’s period of membership.        (4)    The insolvency or bankruptcy of a member does not relieve the self-insurance group or any other member of liability for the payment of workers’ compensation benefits incurred during the insolvent or bankrupt member’s period of membership.
MD. Insurance Code Ann. §  25-305 (2021)
2021 Maryland Statutes|Insurance|Title 25 - Alternative Market Mechanisms|Subtitle 3 - Group Self-Insurance for Workers' Compensation|Section 25-305 - Self-Insurers' Guaranty Fund

    (a)    A self-insurance group is not liable for payments to the Property and Casualty Insurance Guaranty Corporation.    (b)    There is a Self-Insurers’ Guaranty Fund.    (c)    The Uninsured Employers’ Fund established under § 10-304 of the Labor and Employment Article shall administer the Self-Insurers’ Guaranty Fund.    (d)    Each self-insurance group shall pay an assessment into the Self-Insurers’ Guaranty Fund at the same level assessed against other workers’ compensation insurers by the Property and Casualty Insurance Guaranty Corporation under Title 9, Subtitle 3 of this article.    (e)    (1)    The Self-Insurers’ Guaranty Fund shall pay any outstanding obligations of a self-insurance group that becomes insolvent.        (2)    If the Self-Insurers’ Guaranty Fund becomes insolvent, any outstanding obligations of an insolvent self-insurance group are a joint and several liability of each member of the self-insurance group.
MD. Insurance Code Ann. §  25-306 (2021)
2021 Maryland Statutes|Insurance|Title 25 - Alternative Market Mechanisms|Subtitle 3 - Group Self-Insurance for Workers' Compensation|Section 25-306 - Termination of Self-Insurance Agreement; Mergers

    (a)    The Commissioner may not grant the request of a self-insurance group to terminate its self-insurance agreement unless the self-insurance group has insured or reinsured all incurred workers’ compensation obligations with an authorized insurer under an agreement filed with and approved in writing by the Commissioner.    (b)    (1)    Subject to the approval of the Commissioner, a self-insurance group may merge with another self-insurance group engaged in the same or similar type of business only if the resulting self-insurance group assumes all the obligations of the merging self-insurance groups.        (2)    The Commissioner shall hold a hearing on the merger at the request of any party including a member of either self-insurance group.    (c)    For purposes of this section, obligations include known claims and associated expenses and claims incurred but not reported and associated expenses.
MD. Insurance Code Ann. §  25-307 (2021)
2021 Maryland Statutes|Insurance|Title 25 - Alternative Market Mechanisms|Subtitle 3 - Group Self-Insurance for Workers' Compensation|Section 25-307 - Determining Financial Condition of Group

    The Commissioner may:         (1)    require actuarial studies and audits to determine the financial solvency of each self-insurance group as often as the Commissioner desires;        (2)    assess each self-insurance group an annual amount of not more than $500 to be used for the actuarial studies and audits; and        (3)    require an annual report that may include payroll audit reports, summary loss reports, and quarterly financial statements.
MD. Insurance Code Ann. §  25-308 (2021)
2021 Maryland Statutes|Insurance|Title 25 - Alternative Market Mechanisms|Subtitle 3 - Group Self-Insurance for Workers' Compensation|Section 25-308 - Penalties for Violations

    (a)    (1)    After notice and opportunity for a hearing, the Commissioner may impose a monetary penalty on a person or self–insurance group that the Commissioner finds to be in violation of this subtitle or a regulation adopted under this subtitle.        (2)    A monetary penalty imposed under this subsection may not exceed $1,000 for each violation or $10,000 in the aggregate.        (3)    A person or self–insurance group that is assessed a monetary penalty under this subsection shall pay the penalty to the Commissioner for the use of the State.    (b)    (1)    After written notice and opportunity for a hearing, the Commissioner may issue an order that requires a person or self–insurance group to cease and desist from engaging in an act or practice that the Commissioner finds to be in violation of this subtitle or a regulation adopted under this subtitle.        (2)    If the Commissioner finds, after notice and opportunity for a hearing, that a person or self–insurance group has violated an order issued under this subsection, the Commissioner may:            (i)    impose a monetary penalty of not more than $10,000 for each violation of the order or $100,000 in the aggregate; and            (ii)    suspend or revoke the authority of the self–insurance group to operate.    (c)    Notwithstanding any other provision of this subtitle, after notice and opportunity for a hearing, the Commissioner may suspend or revoke the authority of a self–insurance group to operate if the Commissioner determines that the self–insurance group:        (1)    is insolvent;        (2)    failed to pay the special fund contribution or regulatory fee imposed on the self–insurance group;        (3)    failed to comply within the time set with a provision of this subtitle, a regulation adopted under this subtitle, or a lawful order of the Commissioner;        (4)    obtained its authority to operate by fraud, including making a material misrepresentation in the application for authority to operate as a self–insurance group;        (5)    misappropriated, converted, illegally withheld, or refused to pay on proper demand money that has been entrusted to the self–insurance group or its administrator in its fiduciary capacity and that belongs to a member of the self–insurance group, an employee of a member, or a person entitled to payment; or        (6)    for any other reason, must have its authority to operate suspended or revoked to protect the members or insureds of a self–insurance group or the public.
MD. Insurance Code Ann. §  25-401 (2021)
2021 Maryland Statutes|Insurance|Title 25 - Alternative Market Mechanisms|Subtitle 4 - Maryland Property Insurance Availability Act|Section 25-401 - Definitions

    (a)    In this subtitle the following words have the meanings indicated.    (b)    “Association” means the Joint Insurance Association.    (c)    “Association member” means an insurer that is licensed to write in the State, on a direct basis, essential property insurance or a component of essential property insurance in multi-peril policies.    (d)    (1)    “Essential property insurance” means insurance against direct loss to property from the perils of fire, lightning, removal, explosion, windstorm, hail, smoke, aircraft, vehicles, riot, civil commotion, or vandalism as defined and limited in property insurance forms that the Association files with the Commissioner.        (2)    “Essential property insurance” does not include:            (i)    motor vehicle insurance;            (ii)    inland marine insurance; or            (iii)    insurance on property that:                1.    is used for fabrication, processing, or assembly of products or components of products;                2.    has an insurable value in excess of $250,000; and                3.    is used in a business that employs at least 25 individuals.    (e)    “Homeowner’s insurance” means insurance for residential property that provides a combination of coverages including:        (1)    fire;        (2)    extended coverage;        (3)    vandalism and malicious mischief;        (4)    burglary;        (5)    theft; and        (6)    personal liability.    (f)    (1)    “Premiums written” means, as computed by the Association, gross direct premiums charged during the second preceding calendar year with respect to property in the State on all policies of essential property insurance and the essential property insurance components of multi-peril policies, less return premiums, dividends paid or credited to policyholders, or the unused or unabsorbed parts of premium deposits.        (2)    “Premiums written” does not include premiums or parts of premiums relating to risks ceded to the Association.
MD. Insurance Code Ann. §  25-402 (2021)
2021 Maryland Statutes|Insurance|Title 25 - Alternative Market Mechanisms|Subtitle 4 - Maryland Property Insurance Availability Act|Section 25-402 - Purposes of Subtitle

    The purposes of this subtitle are:         (1)    to authorize and establish:            (i)    the Joint Insurance Association;            (ii)    a program to make essential property insurance available from the Association to qualified applicants with the least possible administrative detail and expense; and            (iii)    a program to make the homeowner’s insurance that is provided by the Association available to qualified applicants with the least possible administrative detail and expense;        (2)    to encourage the improvement of the condition of properties located in the State;        (3)    to further orderly community development in general;        (4)    to publicize the purposes and procedures of this subtitle so that no one fails to seek assistance from the Association because of ignorance;        (5)    to utilize fully the voluntary insurance market as a source of essential property insurance and homeowner’s insurance; and        (6)    to encourage the delivery of essential property insurance, and the homeowner’s insurance that is provided by the Association, at the most reasonable cost possible, provided that insurance pricing by the Association:            (i)    is actuarially self-supporting; and            (ii)    does not actively compete with insurance pricing in the voluntary insurance market.
MD. Insurance Code Ann. §  25-403 (2021)
2021 Maryland Statutes|Insurance|Title 25 - Alternative Market Mechanisms|Subtitle 4 - Maryland Property Insurance Availability Act|Section 25-403 - Joint Insurance Association

    (a)    (1)    There is a Joint Insurance Association.        (2)    The Association is an unincorporated association.    (b)    (1)    The Association consists of all insurers that are licensed to write in the State, on a direct basis, essential property insurance or a component of essential property insurance in multi-peril policies.        (2)    As a condition of its authority to transact essential property insurance business in the State, an insurer must be and remain an Association member.    (c)    The Association may:        (1)    establish a program of operation, subject to the approval of the Commissioner; and        (2)    cause policies to be issued and assume and cede reinsurance on risks written in conformity with the program of operation.    (d)    Each Association member shall participate in the Association’s expenses, profits, and losses in the proportion that the Association member’s premiums written bear to the aggregate premiums written by all Association members.    (e)    (1)    A Governing Committee shall administer the Association.        (2)    The Governing Committee consists of nine Association members.        (3)    All Association members annually shall elect the members of the Governing Committee.        (4)    Votes shall be weighted in accordance with the premiums written by each Association member.    (f)    (1)    An Association member, the Association or its agents or employees, the Board of Directors, and the Commissioner or the Commissioner’s representatives shall have the immunity from liability described in § 5-411(a) of the Courts Article.        (2)    An Association member, the Association, the Governing Committee, their agents or employees, the Commissioner, and the Commissioner’s authorized representatives shall have the immunity from liability described in § 5-411(b) of the Courts Article.
MD. Insurance Code Ann. §  25-404 (2021)
2021 Maryland Statutes|Insurance|Title 25 - Alternative Market Mechanisms|Subtitle 4 - Maryland Property Insurance Availability Act|Section 25-404 - Legal Status of Association

    (a)    (1)    The Association is not and may not be deemed a department, unit, agency, or instrumentality of the State.        (2)    All debts, claims, obligations, and liabilities incurred by the Association shall be the debts, claims, obligations, and liabilities of the Association only and not of the State or the State’s agencies, instrumentalities, officers, or employees.    (b)    (1)    The money of the Association is not part of the General Fund of the State.        (2)    The State may not budget for or provide General Fund appropriations to the Association.        (3)    The debts, claims, obligations, and liabilities of the Association are not debts of the State or pledges of the credit of the State.    (c)    The records, reports, and communications of the Association, the Governing Committee, the committees of the Association, and their representatives, agents, and employees are not public documents.
MD. Insurance Code Ann. §  25-406 (2021)
2021 Maryland Statutes|Insurance|Title 25 - Alternative Market Mechanisms|Subtitle 4 - Maryland Property Insurance Availability Act|Section 25-406 - Insurance Available Through Association

    A person with an insurable interest in real or tangible personal property at a fixed location may apply to the Association for essential property insurance or homeowner’s insurance if the person has been:         (1)    unable to obtain essential property insurance or homeowner’s insurance;        (2)    able to obtain essential property insurance or homeowner’s insurance only after application under § 11-210 or § 11-311 of this article; or        (3)    able to obtain only partial coverage for the value of the property.
MD. Insurance Code Ann. §  25-407 (2021)
2021 Maryland Statutes|Insurance|Title 25 - Alternative Market Mechanisms|Subtitle 4 - Maryland Property Insurance Availability Act|Section 25-407 - Inspection of Property

    (a)    The Association may inspect the property of an applicant for essential property insurance or homeowner’s insurance coverage.    (b)    (1)    Except as provided in paragraph (2) of this subsection, the Association shall inspect the property without cost to the owner.        (2)    If the Association is unable to complete an inspection of the property due to the fault of the owner or applicant, the Association may require the applicant to pay in advance the reasonable cost of subsequent efforts to inspect the property.    (c)    (1)    The applicant or representative of the applicant shall be afforded the opportunity to be present during the inspection.        (2)    The inspector does not have authority to advise whether the Association will provide coverage to the property being inspected.        (3)    The inspector may take photographs of the property during the inspection.    (d)    The inspection report shall:        (1)    cover pertinent structural and occupancy features and the general condition of the building and surrounding structures;        (2)    indicate the pertinent features of building, construction, maintenance, occupancy, and surrounding property; and        (3)    include a rate makeup statement that covers any condition charges or surcharges imposed:            (i)    as a result of the inspection;            (ii)    under the program of operation; or            (iii)    under a substandard rating plan approved by the Commissioner.    (e)    On request, the Association shall make available a copy of the inspection report to the applicant or the applicant’s licensed insurance producer.