reglab/housing_qa huggingface dataset:
MO Rev Stat § 374.789 (2021)
2021 Missouri Revised Statutes|Title XXIV - Business and Financial Institutions|Chapter 374 - Department of Commerce and Insurance|Section 374.789 - Prohibited acts.

Effective - 01 Jan 2017, 2 histories   374.789. Prohibited acts. — 1. A person is guilty of a class E felony if he or she does not hold a valid surety recovery agent license or a bail bond license and commits any of the following acts:  (1) Holds himself or herself out to be a licensed surety recovery agent within this state;  (2) Claims that he or she can render surety recovery agent services; or  (3) Engages in fugitive recovery in this state.  2. Any person who engages in fugitive recovery in this state and wrongfully causes damage to any person or property, including, but not limited to, unlawful apprehension, unlawful detainment, or assault, shall be liable for such damages and may be liable for punitive damages. ­­-------- (L. 2004 S.B. 1122, A.L. 2014 S.B. 491)  Effective 1-01-17
MO Rev Stat § 374.790 (2021)
2021 Missouri Revised Statutes|Title XXIV - Business and Financial Institutions|Chapter 374 - Department of Commerce and Insurance|Section 374.790 - Workers' compensation, residual market, department to submit report to general assembly, contents.

Effective - 28 Aug 1993   374.790. Workers' compensation, residual market, department to submit report to general assembly, contents. — The department of commerce and insurance shall prepare and submit a plan to the general assembly by September 1, 1993, to reduce the number of employers insured through the residual market. The department shall specifically examine and address in its plan the following topics:  (1) The use of an employer's experience modification factor and the appropriate level thereof as an objective criterion in determining eligibility for coverage;  (2) The maximum amount of such coverage an insurer would be required to issue, expressed as a percentage of its voluntary business;  (3) Providing a system of incentives to insurers to voluntarily cover employers which had been insured through the residual market by reducing the amount of coverage required to be provided by such insurer under the plan;  (4) The effect of the implementation of such plan on the competitive voluntary insurance workers' compensation market in Missouri in terms of the number of insurers actively competing, the availability of coverage by classification and pricing by classification;  (5) Permitting insurers to file separate rates by classification for employers which they may be required to insure under such plan;  (6) Requiring that only agents which have been appointed by such insurer may submit applications for coverage under such plan;  (7) The results of this plan in other jurisdictions where it has been implemented in either workers' compensation or other lines of insurance;  (8) Requiring nonexperienced rated employers or employers not eligible for experience rating, as a condition to receive coverage, to utilize the insurer's managed care medical program and to comply with the insurer's loss control or safety engineering program. ­­Upon receipt of the plan, the general assembly shall, by concurrent resolution disapprove such plan by September 24, 1993. If the plan is not disapproved it shall be implemented by rule on January 1, 1994. If the plan is not submitted to the general assembly under the provisions of this section, it shall not be implemented by rule. ­­-------- (L. 1993 S.B. 251 § 16)  (1995) Where statute required director to submit plan to general assembly when legislature was not in session, court properly prohibited the director of insurance from implementing "Workers' Compensation Residual Market Depopulation Plan" by rule. Chief clerk is not member of house of representatives and has no duty to distribute plans to members, therefore there was no receipt of the plan by the house members. Statute provided that plan would become effective by rule if not disapproved by concurrent resolution within thirty days. State ex rel. Royal Insurance v. Director of the Missouri Department of Insurance, 894 S.W.2d 159 (Mo. en banc).
MO Rev Stat § 374.800 (2021)
2021 Missouri Revised Statutes|Title XXIV - Business and Financial Institutions|Chapter 374 - Department of Commerce and Insurance|Section 374.800 - Contracts by the department in excess of $100,000 to be reviewed and approved by the attorney general.

Effective - 28 Aug 2001   374.800. Contracts by the department in excess of $100,000 to be reviewed and approved by the attorney general. — 1. Notwithstanding any other provision of law, when the department of commerce and insurance intends to enter into any contract or other written agreement or approve any letter of intent for payment of money by the state in excess of one hundred thousand dollars, modification or potential reduction of a party's financial obligation to the state in excess of one hundred thousand dollars, the department of commerce and insurance shall forward a copy to the attorney general before entering into that contract, subcontract or other written agreement or approving the letter of intent.  2. Upon receiving the contract, other written agreement or letter of intent, the attorney general shall, within ten days, review and approve that contract, other written contract or letter of intent for its legal form and content as may be necessary to protect the legal interest of the state. If the attorney general does not approve, then the attorney general shall return the contract, other written agreement or letter of intent with additional proposed provisions as may be necessary to the proper enforcement of the contract as required to protect the state's legal interest. If the attorney general does not respond within ten days or, in the case of any contract that involves a payment of money by the state or a modification or potential reduction of a party's financial obligation to the state of one million dollars or more, within thirty days, the contract shall be deemed approved.  3. Communications related to the attorney general's review are attorney-client communications. The attorney general's written disposition shall be subject to chapter 610. ­­-------- (L. 2001 H.B. 762 § 1)
MO Rev Stat § 375.001 (2021)
2021 Missouri Revised Statutes|Title XXIV - Business and Financial Institutions|Chapter 375 - Provisions Applicable to All Insurance Companies|Section 375.001 - Definitions.

Effective - 28 Aug 2008   375.001. Definitions. — 1. As used in this chapter, unless otherwise clearly indicated by the context, the following words mean:  (1) "Department", the department of commerce and insurance;  (2) "Director", the director of the department of commerce and insurance.  2. As used in sections 375.001 to 375.008 the following words and terms mean:  (1) "Insurer", all insurance companies, reciprocals, or interinsurance exchanges transacting the business of insurance in this state;  (2) "Nonpayment of premium", failure of the named insured to discharge when due any of his obligations in connection with the payment of premiums on the policy, or any installment of the premium, whether the premium is payable directly to the insurer or its agent or indirectly under any premium finance plan or extension of credit;  (3) "Nonrenewal", the determination of an insurer not to issue or deliver a policy replacing at the end of the policy period a policy previously issued and delivered by the same insurer or a certificate or notice extending the term of a policy beyond its policy period or term;  (4) "Policy", a contract of insurance providing fire and extended coverage insurance, whether separately or in combination with other coverages, on owner-occupied habitational property not exceeding two families. "Policy" does not include any insurance contracts issued under a property insurance inspection and placement program ("FAIR" plan) or an assigned risk plan, or any insurance contracts insuring property not used predominantly for habitational purposes, or an insurance contract insuring a mobile home;  (5) "Renewal" or "to renew", the issuance and delivery by an insurer of a policy replacing at the end of the policy period a policy previously issued and delivered by the same insurer, or the issuance and delivery of a certificate or notice extending the term of the policy beyond its policy period or term. Any policy with a policy period or term of less than six months shall for the purposes of sections 375.001 to 375.008 be considered as if written for a policy period or term of six months. Any policy written for a term longer than one year or any policy with no fixed expiration date shall, for the purpose of sections 375.001 to 375.008, be considered as if written for successive policy periods or terms of one year, and the policy may be terminated at the expiration of any annual period upon giving thirty days' notice of cancellation prior to the anniversary date, and the cancellation shall not be subject to any other provisions of sections 375.001 to 375.008. ­­-------- (L. 1977 S.B. 300 § 1, A.L. 2008 S.B. 788)
MO Rev Stat § 375.002 (2021)
2021 Missouri Revised Statutes|Title XXIV - Business and Financial Institutions|Chapter 375 - Provisions Applicable to All Insurance Companies|Section 375.002 - Grounds for cancellation.

Effective - 28 Aug 1977   375.002. Grounds for cancellation. — 1. A notice of cancellation of a policy shall be effective only if it is based on one or more of the following reasons:  (1) Nonpayment of premium; or  (2) Fraud or material misrepresentation affecting the policy or in the presentation of a claim thereunder, or violation of any of the terms or conditions of the policy; or  (3) The named insured or any occupant of the property has been convicted of a crime arising out of acts increasing the hazard insured against; or  (4) Physical changes in the property insured which increase the hazards originally insured.  2. This section shall not apply to any policy or coverage which has been in effect less than sixty days at the time notice of cancellation is mailed or delivered by the insurer unless it is a renewal policy.  3. This section shall not apply to nonrenewal. ­­-------- (L. 1977 S.B. 300 § 2)
MO Rev Stat § 375.003 (2021)
2021 Missouri Revised Statutes|Title XXIV - Business and Financial Institutions|Chapter 375 - Provisions Applicable to All Insurance Companies|Section 375.003 - Notice of cancellation, how given — reinstatement, when.

Effective - 28 Aug 2014   375.003. Notice of cancellation, how given — reinstatement, when. — 1. Except as provided in subsection 2 of this section, no notice of cancellation of a policy to which section 375.002 applies shall be effective unless mailed or delivered by the insurer to the named insured at least thirty days prior to the effective date of cancellation.  2. Where cancellation is for nonpayment of premium at least ten days' notice of cancellation shall be given and such notice shall contain the following notice or notice substantially similar in bold conspicuous type: "THIS POLICY IS CANCELLED EFFECTIVE AT THE DATE AND TIME INDICATED IN THIS NOTICE. THIS IS THE FINAL NOTICE OF CANCELLATION WE WILL SEND PRIOR TO THE EFFECTIVE DATE AND TIME OF CANCELLATION INDICATED IN THIS NOTICE.".  3. The notice shall state the insurer's actual reason for proposing the action, the statement of reason to be sufficiently clear and specific so that a person of average intelligence can identify the basis for the insurer's decision without further inquiry. Generalized terms such as "personal habits", "living conditions", or "poor morals" shall not suffice to meet the requirements of this subsection. The notice shall also state that the insured may be eligible for insurance through the Missouri basic property insurance inspection and placement program.  4. Issuance of a notice of cancellation under subsection 1 or 2 of this section constitutes a present and unequivocal act of cancellation of the policy.  5. An insurer may reinstate a policy cancelled under subsection 1 or 2 of this section at any time after the notice of cancellation is issued if the reason for the cancellation is remedied. An insurer may send communications to the insured, including but not limited to billing notices for past due premium, offers to reinstate the policy if past due premium is paid, notices confirming cancellation of the policy, or billing notices for payment of earned but unpaid premium. The fact that a policy may be so reinstated or any such communication may be made does not invalidate or void any cancellation effectuated under subsection 1 or 2 of this section or defeat the present and unequivocal nature of acts of cancellation as described under subsection 4 of this section.  6. This section shall not apply to nonrenewal. ­­-------- (L. 1977 S.B. 300 § 3, A.L. 2014 S.B. 691)
MO Rev Stat § 375.004 (2021)
2021 Missouri Revised Statutes|Title XXIV - Business and Financial Institutions|Chapter 375 - Provisions Applicable to All Insurance Companies|Section 375.004 - Refusal to renew, when authorized — exemption, when.

Effective - 28 Aug 2016, 2 histories   375.004. Refusal to renew, when authorized — exemption, when. — 1. No insurer shall refuse to renew a policy unless the insurer or its agent mails or delivers to the named insured, at the address shown in the policy, at least thirty days' advance notice of its intention not to renew. The notice shall state the insurer's actual reason for proposing the action, the statement of reason to be sufficiently clear and specific so that a person of average intelligence can identify the basis for the insurer's decision without further inquiry. Generalized terms such as "personal habits", "living conditions", or "poor morals" shall not suffice to meet the requirements of this subsection. The notice shall also state that the insured may be eligible for insurance through the Missouri basic property insurance inspection and placement program. This section shall not apply:  (1) If the insurer has manifested its willingness to renew; or  (2) In case of nonpayment of premium; or  (3) If the named insured has indicated he does not wish to have the policy renewed; or  (4) If the insured fails to pay any advance premium required by the insurer for renewal.  2. Renewal of a policy shall not constitute a waiver or estoppel with respect to grounds for cancellation which existed before the effective date of the renewal.  3. An insurer shall be exempt from the requirements of this section regarding notice of nonrenewal if:  (1) The insurer assigns or transfers the insured's policy to an affiliate or subsidiary within the same insurance holding company system;  (2) The assignment or transfer is effective upon the expiration of the existing policy; and  (3) Prior to providing coverage for a subsequent policy term, an insurer accepting an assignment or transfer of the policy shall provide notice of such assignment or transfer to the named insured. ­­However, if the assignment or transfer of a policy does not result in coverage substantially equivalent to the coverage that was contained in the policy being assigned or transferred, the insurer shall, in lieu of providing the notice in subdivision (3) of this subsection, at least fifteen days in advance of the effective date of the assignment or transfer, notify the policyholder that some coverage provisions will change due to the assignment or transfer, advise the policyholder to refer to the new policy for coverage details, and provide a copy of or access to the replacement policy form or the executed replacement policy. ­­-------- (L. 1977 S.B. 300 § 4, A.L. 2016 H.B. 2194)
MO Rev Stat § 375.005 (2021)
2021 Missouri Revised Statutes|Title XXIV - Business and Financial Institutions|Chapter 375 - Provisions Applicable to All Insurance Companies|Section 375.005 - Proof of notice, how made.

Effective - 28 Aug 1977   375.005. Proof of notice, how made. — Proof of mailing notice of cancellation, or of intention not to renew or of reasons for cancellation, to the named insured at the address shown in the policy, shall be sufficient proof of notice. ­­-------- (L. 1977 S.B. 300 § 5)
MO Rev Stat § 375.006 (2021)
2021 Missouri Revised Statutes|Title XXIV - Business and Financial Institutions|Chapter 375 - Provisions Applicable to All Insurance Companies|Section 375.006 - Immunity from liability granted, when, to whom.

Effective - 28 Aug 1977   375.006. Immunity from liability granted, when, to whom. — There shall be no liability on the part of, and no cause of action of any nature shall arise against, the director of the department of commerce and insurance or against any insurer, its authorized representative, its agents, its employees, or any firm, person or corporation furnishing to the insurer information as to reasons for cancellation or nonrenewal, for any statement made by any of them in any written notice of cancellation or nonrenewal, or in any other communication, oral or written, specifying the reasons for cancellation or nonrenewal, or the providing of information pertaining thereto, or for statements made or evidence submitted at any hearings conducted in connection therewith. ­­-------- (L. 1977 S.B. 300 § 6)
MO Rev Stat § 375.007 (2021)
2021 Missouri Revised Statutes|Title XXIV - Business and Financial Institutions|Chapter 375 - Provisions Applicable to All Insurance Companies|Section 375.007 - Cancellation or refusal to issue policy on certain grounds prohibited, exceptions.

Effective - 28 Aug 1977   375.007. Cancellation or refusal to issue policy on certain grounds prohibited, exceptions. — No insurer shall cancel or refuse to write or refuse to renew a policy solely because of the age, place of residence, race, sex, color, creed, national origin, ancestry or lawful occupation, including the military service, of anyone who is or seeks to become insured or solely because another insurer has refused to write a policy, or has cancelled or has refused to renew an existing policy in which that person was the named insured, nor shall any insurance company or its agent or representative require any applicant or policyholder to divulge in a written application or otherwise whether any insurer has cancelled or refused to renew or issue to the applicant or policyholder a policy of insurance. The provisions of this section do not apply to those instances where the hazard insured against under a policy is increased because of exposure to loss attributable solely to the place of residence or lawful occupation of anyone who is or seeks to be insured. ­­-------- (L. 1977 S.B. 300 § 7)
MO Rev Stat § 375.008 (2021)
2021 Missouri Revised Statutes|Title XXIV - Business and Financial Institutions|Chapter 375 - Provisions Applicable to All Insurance Companies|Section 375.008 - Certain insurers exempt.

Effective - 28 Aug 1977   375.008. Certain insurers exempt. — Sections 375.001 to 375.008 do not apply to any insurer ordered by the director to restrict its writings of business under the provisions of section 375.535. ­­-------- (L. 1977 S.B. 300 § 8)
MO Rev Stat § 375.011 (2021)
2021 Missouri Revised Statutes|Title XXIV - Business and Financial Institutions|Chapter 375 - Provisions Applicable to All Insurance Companies|Section 375.011 - Notice of cancellation, nonrenewal, renewal, or refusal to write, may be sent, how.

Effective - 01 Jan 1993   375.011. Notice of cancellation, nonrenewal, renewal, or refusal to write, may be sent, how. — Any notice required regarding cancellation, nonrenewal, renewal, or refusal to write, insure or renew any person or property may be sent by a higher class of United States Postal Service mail service than required by law. ­­-------- (L. 1992 S.B. 831 §§ A, 2)  Effective 1-01-93
MO Rev Stat § 375.013 (2021)
2021 Missouri Revised Statutes|Title XXIV - Business and Financial Institutions|Chapter 375 - Provisions Applicable to All Insurance Companies|Section 375.013 - Promulgation of rules, generally, this chapter.

Effective - 28 Aug 1995   375.013. Promulgation of rules, generally, this chapter. — The director may promulgate rules pursuant to the provisions of this section and chapter 536 to implement the requirements of this chapter. No rule or portion of a rule promulgated under the authority of this chapter shall become effective unless it has been promulgated pursuant to the provisions of section 536.024. ­­-------- (L. 1993 S.B. 52 § 375.009, A.L. 1995 S.B. 3)
MO Rev Stat § 375.015 (2021)
2021 Missouri Revised Statutes|Title XXIV - Business and Financial Institutions|Chapter 375 - Provisions Applicable to All Insurance Companies|Section 375.015 - Application for licensure, insurance producers.

Effective - 01 Jan 2003   375.015. Application for licensure, insurance producers. — 1. An individual applying for a resident insurance producer license shall make application to the director on the uniform application and declare under penalty of refusal, suspension or revocation of the license that the statements made in the application are true, correct and complete to the best of the knowledge and belief of the applicant. Before approving the application, the director shall find that the individual:  (1) Is at least eighteen years of age;  (2) Has not committed any act that is a ground for denial, suspension or revocation set forth in section 375.141;  (3) Has paid a license fee in the sum of one hundred dollars; and  (4) Has successfully passed the examinations for the lines of authority for which the person has applied.  2. A business entity acting as an insurance producer is required to obtain an insurance producer license. Application shall be made using the uniform business entity application. Before approving the application, the director shall find that:  (1) The business entity has paid a license fee in the sum of one hundred dollars;  (2) The business entity has designated a licensed individual insurance producer to be responsible for compliance with the insurance laws, rules and regulations of this state by the business entity; and  (3) Neither the business entity nor any of its officers, directors or owners has committed any act that is a ground for denial, suspension or revocation set forth in section 375.141.  3. The director may require any documents reasonably necessary to verify the information contained in an application.  4. In addition to designating a licensed individual insurance producer to be responsible for compliance with the insurance laws, rules and regulations of this state, the application shall contain a list of all insurance producers employed by or acting in behalf of or through the business entity and to whom the business entity pays any salary or commission for the solicitation, negotiation or procurement of any insurance contract.  5. Within twenty working days after the change of any information submitted on the application or upon termination of any insurance producer, the business entity shall notify the director of the change or termination. No fee shall be charged for any such change or termination.  6. If the director has taken no action within twenty-five working days of receipt of an application, the application shall be deemed approved and the applicant may act as a licensed insurance producer, unless the applicant has indicated a conviction for a felony or a crime involving moral turpitude. ­­-------- (L. 2001 S.B. 193)  Effective 1-01-03