reglab/housing_qa huggingface dataset:
WA Rev Code § 48.18.555 (2021)
2021 Revised Code of Washington|Title 48 - Insurance|Chapter 48.18 - The Insurance Contract.|48.18.555 - Property insurance—Actions resulting from arson or malicious mischief—Definitions.

RCW 48.18.555 Property insurance—Actions resulting from arson or malicious mischief—Definitions.(1) For the purposes of this section:(a) "Arson" has the same meaning as in chapter 9A.48 RCW.(b) "Health care facility" has the same meaning as defined in RCW 48.43.005.(c) "Health care provider" has the same meaning as defined in RCW 48.43.005.(d) "Insured" means a current policyholder or a person or entity that is covered under the insurance policy.(e) A perpetrator does not have to be identified for an act of arson or malicious mischief to have occurred.(f) "Malicious mischief" has the same meaning as in chapter 9A.48 RCW.(g) "Underwriting action" means an insurer:(i) Cancels or refuses to renew an insurance policy; or(ii) Changes the terms or benefits in an insurance policy.(2) This section applies to property insurance policies if the insured is:(a) A health care facility;(b) A health care provider; or(c) A religious organization.(3) An insurer may not take an underwriting action on a policy described in subsection (2) of this section because an insured has made one or more insurance claims for any loss that occurred during the preceding sixty months that is the result of arson or malicious mischief. An insurer may take an underwriting action due to other factors that are not prohibited by this subsection.(4) If an insured sustains a loss that is the result of arson or malicious mischief, the insured must file a report with the police or other law enforcement authority within thirty days of discovery of the incident, and a law enforcement authority must determine that a crime has occurred. The report must contain sufficient information to provide an insurer with reasonable notice that the loss was the result of arson or malicious mischief. The insured has a duty to cooperate with any law enforcement official or insurer investigation.(5) Annually, each insurer must report underwriting actions to the commissioner if the insurer has taken an underwriting action against any insured who has filed a claim during the preceding sixty months that was the result of arson or malicious mischief. The report must include the policy number, name of the insured, location of the property, and the reason for the underwriting action.[ 2006 c 145 § 2.]NOTES:Finding—Intent—2006 c 145: "The legislature finds that access to insurance can be imperiled by the response of insurers to criminal acts. Rather than allow criminals to achieve their objectives, it is the intent of the legislature that criminals, through criminal acts, should not dictate insurance underwriting decisions. It is the intent of the legislature that courts should use restitution from perpetrators of intentional property crimes to make property owners and insurers whole." [ 2006 c 145 § 1.]
WA Rev Code § 48.18.559 (2021)
2021 Revised Code of Washington|Title 48 - Insurance|Chapter 48.18 - The Insurance Contract.|48.18.559 - Property insurers—Rules addressing assistance to prevent or reduce severity of claims or losses.

RCW 48.18.559 Property insurers—Rules addressing assistance to prevent or reduce severity of claims or losses.The commissioner may adopt rules as necessary to implement RCW 48.18.558 and 48.19.530, including but not limited to:(1) Rules requiring a notice to insureds or potential insureds regarding their ability to opt out of receiving any risk mitigation and/or prevention goods and/or services;(2) Rules increasing the value of either the goods or services, or both, permitted under RCW 48.18.558(1);(3) Rules establishing requirements for pilot programs authorized under RCW 48.18.558(6); and(4) Rules identifying which insurer disaster or emergency response activities are exempt from RCW 48.18.558 and 48.19.530 and RCW 48.30.140 and 48.30.150.[ 2018 c 239 § 4.]NOTES:Findings—2018 c 239: See note following RCW 48.18.558.
WA Rev Code § 48.18.565 (2021)
2021 Revised Code of Washington|Title 48 - Insurance|Chapter 48.18 - The Insurance Contract.|48.18.565 - Homeowner's insurance—Foster parent.

RCW 48.18.565 Homeowner's insurance—Foster parent.An insurer licensed to write homeowner's insurance in this state shall not deny an application for a homeowner's insurance policy, or cancel, refuse to renew, or modify an existing homeowner's insurance policy for the principal reason that the applicant or insured is a foster parent licensed under chapter 74.15 RCW.[ 2004 c 84 § 1.]
WA Rev Code § 48.18.570 (2021)
2021 Revised Code of Washington|Title 48 - Insurance|Chapter 48.18 - The Insurance Contract.|48.18.570 - Life insurance—Lawful travel destinations.

RCW 48.18.570 Life insurance—Lawful travel destinations.(1) No life insurer may deny or refuse to accept an application for insurance, or refuse to insure, refuse to renew, cancel, restrict, or otherwise terminate a policy of insurance, or charge a different rate for the same coverage, based upon the applicant's or insured person's past or future lawful travel destinations.(2) Nothing in this section prohibits a life insurer from excluding or limiting coverage of specific lawful travel, or charging a differential rate for such coverage, when bona fide statistical differences in risk or exposure have been substantiated.[ 2005 c 441 § 1.]
WA Rev Code § 48.18.580 (2021)
2021 Revised Code of Washington|Title 48 - Insurance|Chapter 48.18 - The Insurance Contract.|48.18.580 - Employer-owned life insurance—Requirements.

RCW 48.18.580 Employer-owned life insurance—Requirements.(1) "Employer-owned life insurance policy" as used in this section and RCW 48.18.583 means an insurance policy purchased by an employer on the life of an employee, for the benefit of a person other than the employee or the employee's personal representative.(2) An employer-owned life insurance policy may not be made or take effect unless at the time the contract is made the individual insured consents to the contract in writing.(3) An employer may not retaliate in any manner against an employee for providing written notice that he or she does not want to be insured under an employer-owned life insurance policy.(4) No later than thirty days after the date on which an employer purchases an employer-owned life insurance policy on the life of an employee, the employer must provide to the employee a written notice that contains the following information:(a) A statement that the employer carries an employer-owned life insurance policy on the life of the employee; (b) The identity of the insurance carrier of the policy;(c) The maximum face amount of the policy at issue; and (d) The identity of the beneficiary of the policy.[ 2005 c 337 § 4.]NOTES:Finding—Intent—2005 c 337: See note following RCW 48.18.030.
WA Rev Code § 48.18.583 (2021)
2021 Revised Code of Washington|Title 48 - Insurance|Chapter 48.18 - The Insurance Contract.|48.18.583 - Employer-owned life insurance—Application to policies.

RCW 48.18.583 Employer-owned life insurance—Application to policies.With respect to employer-owned life insurance policies, chapter 337, Laws of 2005 shall apply only to policies issued and delivered after July 24, 2005.[ 2005 c 337 § 6.]NOTES:Finding—Intent—2005 c 337: See note following RCW 48.18.030.
WA Rev Code § 48.18.586 (2021)
2021 Revised Code of Washington|Title 48 - Insurance|Chapter 48.18 - The Insurance Contract.|48.18.586 - Employer-owned life insurance—Rules.

RCW 48.18.586 Employer-owned life insurance—Rules.The commissioner shall adopt rules to implement RCW 48.18.010, 48.18.030, 48.18.060, 48.18.580, and 48.18.583.[ 2005 c 337 § 7.]NOTES:Finding—Intent—2005 c 337: See note following RCW 48.18.030.
WA Rev Code § 48.18.600 (2021)
2021 Revised Code of Washington|Title 48 - Insurance|Chapter 48.18 - The Insurance Contract.|48.18.600 - Usage-based insurance—Restrictions on information collected.

RCW 48.18.600 Usage-based insurance—Restrictions on information collected.(1) For the purposes of this section, "usage-based insurance" has the same meaning as defined in RCW 48.19.040.(2) Location data may not be collected without:(a) Disclosure to the insured that such information is being collected as required by RCW 46.35.020; and(b) The insured's consent.(3) Individually identifiable usage information retrieved from a recording device may only be used and/or retained:(a) For purposes of determining premiums; or(b) As allowed by law in RCW 46.35.030.(4) Individually identifiable usage information retrieved from a recording device may not be disclosed to any third party except as allowed by RCW 46.35.030.[ 2012 c 222 § 3.]
WA Rev Code § 48.18.610 (2021)
2021 Revised Code of Washington|Title 48 - Insurance|Chapter 48.18 - The Insurance Contract.|48.18.610 - Customer satisfaction benefits.

RCW 48.18.610 Customer satisfaction benefits.(1) An insurer may include contractual benefits based on customer satisfaction as part of an insurance policy. The insurer must file the policy or endorsement for approval as required by RCW 48.18.100. The contractual benefits may include sums of money provided or credited to a policyholder if the policyholder is dissatisfied with the service provided by their insurer. A sum that is provided to or credited to a policyholder as part of an approved contractual benefit based on customer satisfaction is not "premium" for the purposes of RCW 48.18.170. A policy premium reduced by such a credit will be taxed on the full cost of the premium before application of the customer satisfaction credit.(2) This section applies only to personal insurance as defined in RCW 48.18.545(1)(g).[ 2016 c 121 § 1.]
WA Rev Code § 48.18.900 (2021)
2021 Revised Code of Washington|Title 48 - Insurance|Chapter 48.18 - The Insurance Contract.|48.18.900 - Construction—Chapter applicable to state registered domestic partnerships—2009 c 521.

RCW 48.18.900 Construction—Chapter applicable to state registered domestic partnerships—2009 c 521.For the purposes of this chapter, the terms spouse, marriage, marital, husband, wife, widow, widower, next of kin, and family shall be interpreted as applying equally to state registered domestic partnerships or individuals in state registered domestic partnerships as well as to marital relationships and married persons, and references to dissolution of marriage shall apply equally to state registered domestic partnerships that have been terminated, dissolved, or invalidated, to the extent that such interpretation does not conflict with federal law. Where necessary to implement chapter 521, Laws of 2009, gender-specific terms such as husband and wife used in any statute, rule, or other law shall be construed to be gender neutral, and applicable to individuals in state registered domestic partnerships.[ 2009 c 521 § 114.]
WA Rev Code § 48.18A.010 (2021)
2021 Revised Code of Washington|Title 48 - Insurance|Chapter 48.18A - Variable Contract Act.|48.18A.010 - Short title—Intent.

RCW 48.18A.010 Short title—Intent.This chapter shall be known as the "Variable Contract Act" and is intended to authorize the sale of both individual and group variable contracts.[ 1969 c 104 § 1.]
WA Rev Code § 48.18A.030 (2021)
2021 Revised Code of Washington|Title 48 - Insurance|Chapter 48.18A - Variable Contract Act.|48.18A.030 - Statements required in contracts—Payment on death, incidental benefit provision.

RCW 48.18A.030 Statements required in contracts—Payment on death, incidental benefit provision.(1) Every variable contract providing benefits payable in variable amounts delivered or issued for delivery in this state shall contain a statement of the essential features of the procedures to be followed by the insurer in determining the dollar amount of such variable benefits. Any such contract under which the benefits vary to reflect investment experience, including a group contract and any certificate in evidence of variable benefits issued thereunder, shall state that such dollar amount will so vary and shall contain on its first page a statement to the effect that the benefits thereunder are on a variable basis.(2) Variable annuity contracts delivered or issued for delivery in this state may include as an incidental benefit provision for payment on death during the deferred period of an amount not in excess of the greater of the sum of the premiums or stipulated payments paid under the contract or the value of the contract at time of death. For this purpose such benefit shall not be deemed to be life insurance and therefore not subject to any statutory provisions governing life insurance contracts. A provision for any other benefits on death during the deferred period will be subject to such insurance law provisions.[ 1973 1st ex.s. c 163 § 5; 1969 c 104 § 3.]
WA Rev Code § 48.18A.035 (2021)
2021 Revised Code of Washington|Title 48 - Insurance|Chapter 48.18A - Variable Contract Act.|48.18A.035 - Return of policy and refund of premium—Notice required—Effect of return.

RCW 48.18A.035 Return of policy and refund of premium—Notice required—Effect of return.Every individual variable contract issued shall have printed on its face or attached thereto a notice stating in substance that the policy owner shall be permitted to return the policy within ten days after it is received by the policy owner and to have the market value of the assets purchased by its premium, less taxes and investment brokerage commissions, if any, refunded, if, after examination of the policy, the policy owner is not satisfied with it for any reason. An additional ten percent penalty shall be added to any premium refund due which is not paid within thirty days of return of the policy to the insurer or insurance producer. If a policy owner pursuant to such notice returns the policy to the insurer at its home or branch office or to the insurance producer through whom it was purchased, it shall be void from the beginning and the parties shall be in the same position as if no policy had been issued.[ 2017 3rd sp.s. c 25 § 16; 2008 c 217 § 19; 1983 1st ex.s. c 32 § 7; 1982 c 181 § 15.]NOTES:Severability—Effective date—2008 c 217: See notes following RCW 48.03.020.Effective date—1982 c 181 § 15: "Section 15 of this act is necessary for the immediate preservation of the public peace, health, and safety, the support of the state government and its existing public institutions, and shall take effect May 1, 1982." [ 1982 c 181 § 26.]Severability—1982 c 181: See note following RCW 48.03.010.
WA Rev Code § 48.18A.040 (2021)
2021 Revised Code of Washington|Title 48 - Insurance|Chapter 48.18A - Variable Contract Act.|48.18A.040 - Requirements for operation under this chapter—Considerations—Authorization of subsidiary or affiliate—Exceptions.

RCW 48.18A.040 Requirements for operation under this chapter—Considerations—Authorization of subsidiary or affiliate—Exceptions.No insurer shall deliver or issue, for delivery within this state, contracts under this chapter unless it is licensed or organized to do a life insurance or annuity business in this state, and unless the commissioner is satisfied that its condition or method of operation in connection with the issuance of such contracts will not render its operation hazardous to the public or its policyholders in this state. In this connection, the commissioner shall consider among other things:(1) The history and financial condition of the insurer;(2) The character, responsibility and fitness of the officers and directors of the insurer; and(3) The law and regulation under which the insurer is authorized in the state of domicile to issue variable contracts.An insurer which issues variable contracts and which is a subsidiary of, or affiliated through common management or ownership with, another life insurer authorized to do business in this state may be deemed to have met the provisions of this section if either it or the parent or affiliated company meets the requirements hereof: PROVIDED, That no insurer may provide variable benefits in its contracts unless it is an admitted insurer having and continually maintaining a combined capital and surplus of at least five million dollars.[ 1982 c 181 § 10; 1969 c 104 § 4.]NOTES:Severability—1982 c 181: See note following RCW 48.03.010.
WA Rev Code § 48.18A.050 (2021)
2021 Revised Code of Washington|Title 48 - Insurance|Chapter 48.18A - Variable Contract Act.|48.18A.050 - Applicability of other code provisions—Contract requirements.

RCW 48.18A.050 Applicability of other code provisions—Contract requirements.The provisions of RCW 48.23.020, 48.23.030, 48.23.080 through 48.23.120, 48.23.140, 48.23.150, 48.23.200 through 48.23.240, 48.23.310, and 48.23.360, and the provisions of chapters 48.24 and 48.76 RCW are inapplicable to variable contracts. Any provision in the code requiring contracts to be participating is not applicable to variable contracts. Except as otherwise provided in this chapter, all pertinent provisions of the insurance code apply to separate accounts and contracts relating thereto. Any individual variable life insurance or individual variable annuity contract delivered or issued for delivery in this state must contain grace, reinstatement, and nonforfeiture provisions appropriate to those contracts, and any variable life insurance contract must provide that the investment experience of the separate account may not operate to reduce the death benefit below an amount equal to the face amount of the contract at the time the contract was issued. Any individual variable life insurance contract may contain a provision for deduction from the death proceeds of amounts of due and unpaid premiums or of indebtedness which are appropriate to that contract. The reserve liability for variable annuities must be established in accordance with actuarial procedures that recognize the variable nature of the benefits provided and any mortality guarantees.[ 2003 c 248 § 6; 1983 c 3 § 150; 1979 c 157 § 2; 1973 1st ex.s. c 163 § 6; 1969 c 104 § 5.]
WA Rev Code § 48.18A.060 (2021)
2021 Revised Code of Washington|Title 48 - Insurance|Chapter 48.18A - Variable Contract Act.|48.18A.060 - Licensing requirement.

RCW 48.18A.060 Licensing requirement.No person shall be or act as an insurance producer for the solicitation or sale of variable contracts except while duly appointed and licensed under the insurance code as a variable life and variable annuity products insurance producer with respect to the insurer, and while duly licensed as a security salesperson or securities broker under a license issued by the director of financial institutions pursuant to the securities act of this state; except that any person who participates only in the sale or offering for sale of variable contracts which fund corporate plans meeting the requirements for qualification under sections 401 or 403 of the United States internal revenue code need not be licensed pursuant to the securities act of this state.[ 2010 c 8 § 11003; 2008 c 217 § 20; 1994 c 92 § 502; 1973 1st ex.s. c 163 § 7; 1969 c 104 § 6.]NOTES:Severability—Effective date—2008 c 217: See notes following RCW 48.03.020.
WA Rev Code § 48.18A.070 (2021)
2021 Revised Code of Washington|Title 48 - Insurance|Chapter 48.18A - Variable Contract Act.|48.18A.070 - Authority of commissioner.

RCW 48.18A.070 Authority of commissioner.Notwithstanding any other provision of law, the commissioner shall have sole and exclusive authority to regulate the issuance and sale of variable contracts; except for the examination, issuance or renewal, suspension or revocation, of a security salesperson's license issued to persons selling variable contracts. To carry out the purposes and provisions of this chapter, he or she may independently, and in concert with the director of financial institutions, issue such reasonable rules and regulations as may be appropriate.[ 2013 c 23 § 102; 1994 c 92 § 503; 1969 c 104 § 7.]
WA Rev Code § 48.18A.900 (2021)
2021 Revised Code of Washington|Title 48 - Insurance|Chapter 48.18A - Variable Contract Act.|48.18A.900 - Effective date—1969 c 104.

RCW 48.18A.900 Effective date—1969 c 104.This 1969 act shall take effect July 1, 1969.[ 1969 c 104 § 10.]
WA Rev Code § 48.19.010 (2021)
2021 Revised Code of Washington|Title 48 - Insurance|Chapter 48.19 - Rates.|48.19.010 - Scope of chapter.

RCW 48.19.010 Scope of chapter.(1) Except as is otherwise expressly provided the provisions of this chapter apply to all insurances upon subjects located, resident or to be performed in this state except:(a) Life insurance;(b) Disability insurance;(c) Reinsurance except as to joint reinsurance as provided in RCW 48.19.360;(d) Insurance against loss of or damage to aircraft, their hulls, accessories, and equipment, or against liability, other than workers' compensation and employers' liability, arising out of the ownership, maintenance[,] or use of aircraft;(e) Insurance of vessels or craft, their cargoes, marine builders' risks, marine protection[,] and indemnity; and such other risks commonly insured under marine, as distinguished from inland marine, insurance contracts as may be defined by ruling of the commissioner for the purposes of this provision;(f) Title insurance.(2) Except, that every insurer shall, as to disability insurance, before using file with the commissioner its manual of classification, manual of rules and rates, and any modifications thereof except as provided under RCW 48.43.733 or rate filing requirements established by a specific statute or federal law.[ 2015 c 19 § 4; 1987 c 185 § 24; 1947 c 79 § .19.01; Rem. Supp. 1947 § 45.19.01.]NOTES:Intent—2015 c 19: See note following RCW 48.18.100.Intent—Severability—1987 c 185: See notes following RCW 51.12.130.
WA Rev Code § 48.19.020 (2021)
2021 Revised Code of Washington|Title 48 - Insurance|Chapter 48.19 - Rates.|48.19.020 - Rate standard.

RCW 48.19.020 Rate standard.Premium rates for insurance shall not be excessive, inadequate, or unfairly discriminatory.[ 1983 1st ex.s. c 32 § 13; 1947 c 79 § .19.02; Rem. Supp. 1947 § 45.19.02.]