reglab/housing_qa huggingface dataset:
IA Code § 515A.13 (2021)
2021 Iowa Code|Title XIII - COMMERCE|Chapter 515A - WORKERS’ COMPENSATION LIABILITY INSURANCE RATES|Section 515A.13 - Rate administration.

515A.13 Rate administration.   1. The commissioner shall promulgate reasonable rules and statistical plans, reasonably adapted to each of the rating systems on file with the commissioner, which may be modified from time to time and which shall be used thereafter by each insurer in the recording and reporting of its loss and countrywide expense experience, in order that the experience of all insurers may be made available at least annually in such form and detail as may be necessary to aid the commissioner in determining whether rating systems comply with the standards set forth in section 515A.3. Such rules and plans may also provide for the recording and reporting of expense experience items which are specially applicable to this state and are not susceptible of determination by a prorating of countywide expense experience. In promulgating such rules and plans, the commissioner shall give due consideration to the rating systems on file and, in order that such rules and plans may be as uniform as is practicable among the several states, to the rules and to the form of the plans used for such rating systems in other states. No insurer shall be required to record or report its loss experience on a classification basis that is inconsistent with the rating system filed by it. The commissioner may designate one or more rating organizations or other agencies to assist in gathering such experience and making compilations thereof, and such compilations shall be made available, subject to reasonable rules promulgated by the commissioner, to insurers and rating organizations.   2. Reasonable rules and plans may be promulgated by the commissioner for the interchange of data necessary for the application of rating plans.   3. In order to further uniform administration of rate regulatory laws, the commissioner and every insurer and rating organization may exchange information and experience data with insurance supervisory officials, insurers, and rating organizations in other states and may consult with them with respect to rate making and the application of rating systems.   4. The commissioner may make reasonable rules necessary to effect the purposes of this chapter.   5. A person other than the commissioner or the commissioner’s designee shall not release to another person, other than to the servicing insurer of the policy or to the commissioner or the commissioner’s designee, experience, payroll, loss data, expiration date of a policy, or classification information without the prior written approval of the policyholder. A violation of this section shall be considered an unfair trade practice pursuant to chapter 507B.  [C50, 54, 58, 62, §515A.13, 515B.13; C66, 71, 73, 75, 77, 79, 81, §515A.13]  94 Acts, ch 1176, §13; 2008 Acts, ch 1123, §38
IA Code § 515A.14 (2021)
2021 Iowa Code|Title XIII - COMMERCE|Chapter 515A - WORKERS’ COMPENSATION LIABILITY INSURANCE RATES|Section 515A.14 - False or misleading information.

515A.14 False or misleading information.   No person or organization shall willfully withhold information from, or knowingly give false or misleading information to, the commissioner, any statistical agency designated by the commissioner, any rating organization, or any insurer, which will affect the rates or premiums chargeable under this chapter. A violation of this section shall subject the one guilty of such violation to the penalties provided in section 515A.17.  [C50, 54, 58, 62, §515A.14, 515B.14; C66, 71, 73, 75, 77, 79, 81, §515A.14]
IA Code § 515A.15 (2021)
2021 Iowa Code|Title XIII - COMMERCE|Chapter 515A - WORKERS’ COMPENSATION LIABILITY INSURANCE RATES|Section 515A.15 - Assigned risks.

515A.15 Assigned risks.   Agreements shall be made among insurers with respect to the equitable apportionment among them of insurance which may be afforded applicants who are in good faith entitled to but who are unable to procure such insurance through ordinary methods and such insurers may agree among themselves on the use of reasonable rate modifications for such insurance, the agreements and rate modifications to be subject to the approval of the commissioner.   For purposes of this section, “insurer” includes, in addition to insurers defined pursuant to section 515A.2, a self-insurance association formed on or after July 1, 1995, pursuant to section 87.4 except for an association comprised of cities or counties, or both, or an association comprised of community colleges as defined in section 260C.2, which have entered into an agreement pursuant to chapter 28E for the purpose of establishing a self-insured program for the payment of workers’ compensation benefits.  [C50, 54, 58, 62, 66, 71, 73, 75, 77, 79, 81, §515A.15]  95 Acts, ch 185, §24  Referred to in §87.4
IA Code § 515A.15A (2021)
2021 Iowa Code|Title XIII - COMMERCE|Chapter 515A - WORKERS’ COMPENSATION LIABILITY INSURANCE RATES|Section 515A.15A - Deductible policies in workers’ compensation.

515A.15A Deductible policies in workers’ compensation.   The commissioner may enter an order under section 515A.18 to assure availability within this state of a policy under this chapter which provides as part of the policy, or as an endorsement to the policy, an option for a deductible related to benefits payable under a policy issued pursuant to this chapter. The order may make provisions for changes in experience ratings, premium surcharges, or any other modification, as a result of issuance of a policy, or of an endorsement to the policy, pursuant to the order. Under an order entered pursuant to this section, the commissioner shall provide that if the policyholder selects a deductible option, the insured employer is liable for all of the amount of the deductible for benefits paid for each compensable claim of an employee under the policy.  92 Acts, ch 1053, §1
IA Code § 515A.15B (2021)
2021 Iowa Code|Title XIII - COMMERCE|Chapter 515A - WORKERS’ COMPENSATION LIABILITY INSURANCE RATES|Section 515A.15B - Applicants unable to procure insurance through ordinary methods.

515A.15B Applicants unable to procure insurance through ordinary methods.   An agreement among licensed insurers to offer workers’ compensation insurance for applicants unable to procure workers’ compensation insurance through ordinary methods shall be administered by a rating organization licensed under this chapter.  98 Acts, ch 1057, §10
IA Code § 515A.16 (2021)
2021 Iowa Code|Title XIII - COMMERCE|Chapter 515A - WORKERS’ COMPENSATION LIABILITY INSURANCE RATES|Section 515A.16 - Premiums.

515A.16 Premiums.   An agent shall not knowingly charge, demand, or receive a premium for any policy of insurance except in accordance with the provisions of this chapter.  [C50, 54, 58, 62, §515A.16, 515B.15; C66, 71, 73, 75, 77, 79, 81, §515A.16]  93 Acts, ch 88, §21  Referred to in §515A.11
IA Code § 515A.17 (2021)
2021 Iowa Code|Title XIII - COMMERCE|Chapter 515A - WORKERS’ COMPENSATION LIABILITY INSURANCE RATES|Section 515A.17 - Penalties.

515A.17 Penalties.   1. The commissioner may, if the commissioner finds that any person or organization has violated any provision of this chapter, impose a penalty of not more than one thousand dollars for each such violation, but if the commissioner finds such violation to be willful the commissioner may impose a penalty of not more than five thousand dollars for each such violation. Such penalties may be in addition to any other penalty provided by law. A penalty collected under this subsection shall be deposited as provided in section 505.7.   2. The commissioner may suspend the license of any rating organization or insurer which fails to comply with an order of the commissioner within the time limited by such order, or any extension thereof which the commissioner may grant. The commissioner shall not suspend the license of any rating organization or insurer for failure to comply with an order until the time prescribed for an appeal therefrom has expired or if an appeal has been taken, until such order has been affirmed. The commissioner may determine when a suspension of license shall become effective and it shall remain in effect for the period fixed by the commissioner, unless the commissioner modifies or rescinds such suspension, or until the order upon which such suspension is based is modified, rescinded, or reversed.   3. A penalty shall not be imposed and a license shall not be suspended or revoked except upon a written order of the commissioner, stating the commissioner’s findings, made after a hearing held upon not less than ten days’ written notice to such person or organization specifying the alleged violation.  [C50, 54, 58, 62, §515A.17, 515B.16; C66, 71, 73, 75, 77, 79, 81, §515A.17]  2008 Acts, ch 1123, §39; 2009 Acts, ch 181, §80  Referred to in §515A.11, 515A.14
IA Code § 515A.18 (2021)
2021 Iowa Code|Title XIII - COMMERCE|Chapter 515A - WORKERS’ COMPENSATION LIABILITY INSURANCE RATES|Section 515A.18 - Hearing procedure and judicial review.

515A.18 Hearing procedure and judicial review.   1. Any person, insurer or rating organization to which the commissioner has directed an order made without a hearing may, within thirty days after notice to it of such order, make written request to the commissioner for a hearing thereon. The commissioner shall hear such party or parties within twenty days after receipt of such request and shall give not less than ten days’ written notice of the time and place of the hearing. Within fifteen days after such hearing the commissioner shall affirm, reverse or modify the previous action, specifying the commissioner’s reasons therefor. Pending such hearing and decision thereon the commissioner may suspend or postpone the effective date of the commissioner’s previous action.   2. Nothing contained in this chapter shall require the observance at any hearing of formal rules of pleading or evidence.   3. a. Judicial review of the actions of the commissioner may be sought in accordance with the terms of the Iowa administrative procedure Act, chapter 17A.   b. The court shall determine whether the filing of the petition for such writ shall operate as a stay of any such order or decision of the commissioner. The court may, in disposing of the issue before it, modify, affirm or reverse the order or decision of the commissioner in whole or in part.  [C50, 54, 58, 62, §515A.18, 515B.17; C66, 71, 73, 75, 77, 79, 81, §515A.18]  2003 Acts, ch 44, §114; 2012 Acts, ch 1023, §157  Referred to in §515A.11, 515A.15A
IA Code § 515A.19 (2021)
2021 Iowa Code|Title XIII - COMMERCE|Chapter 515A - WORKERS’ COMPENSATION LIABILITY INSURANCE RATES|Section 515A.19 - Laws affected.

515A.19 Laws affected.   Compliance with this chapter shall not be deemed to be a violation of section 515.140.  [C50, 54, 58, 62, §515A.19, 515B.18; C66, 71, 73, 75, 77, 79, 81, §515A.19]  2007 Acts, ch 152, §78  Referred to in §515A.11
IA Code § 515A.19A (2021)
2021 Iowa Code|Title XIII - COMMERCE|Chapter 515A - WORKERS’ COMPENSATION LIABILITY INSURANCE RATES|Section 515A.19A - Rules.

515A.19A Rules.   The commissioner may adopt rules pursuant to chapter 17A as necessary and convenient to administer this chapter.  2008 Acts, ch 1123, §40
IA Code § 515B.1 (2021)
2021 Iowa Code|Title XIII - COMMERCE|Chapter 515B - INSURANCE GUARANTY ASSOCIATION|Section 515B.1 - Scope.

515B.1 Scope.   This chapter shall apply to all kinds of direct insurance authorized to be written by an insurer licensed to operate in this state under chapter 515 or chapter 520, but shall not be applicable to the following:   1. Life, annuity, health, or disability insurance.   2. Mortgage guaranty, financial guaranty, residual value, or other forms of insurance offering protection against investment risks.   3. Fidelity or surety bonds, or any other bonding obligations.   4. Credit insurance, vendors’ single interest insurance, or collateral protection insurance or any similar insurance protecting the interests of a creditor arising out of a creditor-debtor transaction.   5. Insurance warranties or service contracts, including insurance that provides for the repair, replacement, or service of goods or property, or indemnification for repair, replacement, or service, for the operational or structural failure of the goods or property due to a defect in materials, workmanship, or normal wear and tear, or provides reimbursement for the liability incurred by the issuer of agreements or service contracts that provide such benefits.   6. Title insurance.   7. Ocean marine insurance.   8. A transaction or combination of transactions between a person, including affiliates of such person, and an insurer, including affiliates of such insurer, which involves the transfer of investment or credit risk unaccompanied by transfer of insurance risk.   9. Insurance provided by, guaranteed by, or reinsured by government.  [C71, 73, 75, 77, 79, 81, §515B.1]  86 Acts, ch 1184, §2; 88 Acts, ch 1112, §504; 97 Acts, ch 186, §13; 2001 Acts, ch 69, §31; 2009 Acts, ch 145, §24
IA Code § 515B.3 (2021)
2021 Iowa Code|Title XIII - COMMERCE|Chapter 515B - INSURANCE GUARANTY ASSOCIATION|Section 515B.3 - Creation of the association.

515B.3 Creation of the association.   There is created a nonprofit unincorporated legal entity to be known as the Iowa insurance guaranty association. All insurers as defined in section 515B.2, subsection 5 shall be and remain members of the association as a condition of their authority to transact insurance in this state. The association shall perform its functions under a plan of operation established and approved pursuant to section 515B.6 and shall exercise its powers through a board of directors established under section 515B.4. Except as otherwise provided in such plan of operation, annual or special meetings of members of the association may be held on call as directed by the association’s board of directors or by the commissioner of insurance, upon not less than ten days’ written notice by ordinary mail to each member at the member’s principal office as shown by the records in the commissioner’s office, specifying the time and place, and in the case of a special meeting, the purpose of the meeting. Members may vote in person or by proxy and ten members present in person or by proxy shall constitute a quorum for the transaction of any business.  [C71, 73, 75, 77, 79, 81, §515B.3]  Referred to in §515B.2
IA Code § 515B.4 (2021)
2021 Iowa Code|Title XIII - COMMERCE|Chapter 515B - INSURANCE GUARANTY ASSOCIATION|Section 515B.4 - Board of directors.

515B.4 Board of directors.   1. The board of directors of the association shall consist of not less than five nor more than nine persons serving terms as established in the plan of operation. The members of the board shall be selected by member insurers subject to the approval of the commissioner. Vacancies on the board shall be filled for the remaining period of the term by majority vote of the remaining directors, subject to the approval of the commissioner.   2. In approving selections to the board the commissioner shall consider among other things whether all member insurers are fairly represented.   3. Members of the board may be reimbursed from the assets of the association for expenses incurred by them as members of the board of directors.  [C71, 73, 75, 77, 79, 81, §515B.4]  2018 Acts, ch 1041, §127  Referred to in §515B.3, 515B.6
IA Code § 515B.7 (2021)
2021 Iowa Code|Title XIII - COMMERCE|Chapter 515B - INSURANCE GUARANTY ASSOCIATION|Section 515B.7 - Duties and powers of the commissioner.

515B.7 Duties and powers of the commissioner.   1. The commissioner shall:   a. Notify the association of the existence of an insolvent insurer not later than three days after the commissioner receives notice of the determination of the insolvency.   b. Upon request of the board of directors, provide the association with a statement of the net direct written premiums of each member insurer.   2. The commissioner may:   a. Require that the association notify the insureds of the insolvent insurer and any other interested parties of the determination of insolvency and of their rights under this chapter. Such notification shall be by mail at their last known address, but if sufficient information for notification by mail is not available, notice by publication in a newspaper of general circulation is sufficient.   b. Suspend or revoke, after notice and opportunity for hearing, the certificate of authority to transact insurance in this state of any member insurer which fails to pay an assessment when due or fails to comply with the plan of operation. As an alternative, the commissioner may levy a fine on any member insurer which fails to pay an assessment when due. Such fine shall not exceed five percent of the unpaid assessment per month, except that no fine shall be less than one hundred dollars per month.   c. Revoke the designation of any servicing facility if the commissioner finds claims are being processed unsatisfactorily.   3. Judicial review of actions of the commissioner may be sought in accordance with the terms of the Iowa administrative procedure Act, chapter 17A.  [C71, 73, 75, 77, 79, 81, §515B.7]  2003 Acts, ch 44, §114  Referred to in §515B.5
IA Code § 515B.8 (2021)
2021 Iowa Code|Title XIII - COMMERCE|Chapter 515B - INSURANCE GUARANTY ASSOCIATION|Section 515B.8 - Effect of paid claims.

515B.8 Effect of paid claims.   1. Any person recovering under this chapter shall be deemed to have assigned the person’s rights under the policy to the association to the extent of the person’s recovery from the association. Every insured or claimant seeking the protection of this chapter shall cooperate with the association to the same extent as such person would have been required to cooperate with the insolvent insurer. The association shall have no cause of action against the insured of the insolvent insurer for any sums it has paid out except causes of action the insolvent insurer would have had if the sums had been paid by the insolvent insurer.   2. The association and any similar entity in another state shall be recognized as claimants in the liquidation of an insolvent insurer for any amounts paid by them on covered claim obligations as determined under this chapter or under similar law in another state, and shall receive dividends and any other distributions at the priority set forth under the applicable liquidation law. The receiver, liquidator, or statutory successor of an insolvent insurer shall be bound by determinations of covered claim eligibility under this chapter and by settlements of covered claims made by the association or a similar organization in another state. The court having jurisdiction shall grant such claims priority equal to that which the claimant would have been entitled in the absence of this chapter against the assets of the insolvent insurer. The expenses of the association or similar organization in handling claims shall be accorded the same priority as the liquidator’s expenses.   3. The association shall periodically file with the receiver or liquidator of the insolvent insurer statements of the covered claims paid by the association and estimates of anticipated claims on the association, which statements shall preserve the rights of the association against the assets of the insolvent insurer.  [C71, 73, 75, 77, 79, 81, §515B.8]  97 Acts, ch 186, §17; 2003 Acts, ch 91, §41
IA Code § 515B.9 (2021)
2021 Iowa Code|Title XIII - COMMERCE|Chapter 515B - INSURANCE GUARANTY ASSOCIATION|Section 515B.9 - Nonduplication of recovery.

515B.9 Nonduplication of recovery.   1. a. Any person having a claim under an insurance policy, and the claim under such other policy alleges the same damages or arises from the same facts, injury, or loss that gives rise to a covered claim against the association, shall be required to first exhaust all coverage provided by that policy, whether such coverage is on a primary, excess, or pro rata basis and any obligation of the association shall not be considered other insurance.   (1) Any amount payable on a covered claim shall be reduced by the full applicable limits of such other insurance policy and the association shall receive full credit for such limits or where there are no applicable limits, the claim shall be reduced by the total recovery.   (2) A policy providing liability coverage to a person who may be jointly and severally liable with, or a joint tortfeasor with, the person covered under the policy of the insolvent insurer shall be first exhausted before any claim is made against the association and the association shall receive credit for the same as provided above.   b. For purposes of this section, an insurance policy means a policy issued by an insurance company, whether or not a member insurer, which policy insures any of the types of risks insured by an insurance company authorized to write insurance under chapter 515, 516A, or 520, or comparable statutes of another state, except those types of risks set forth in chapters 508 and 514.   2. A person having a claim which may be recovered under more than one insurance guaranty association or its equivalent shall seek recovery first from the association of the place of residence of the insured. However, if the claim is a first party claim for damage to property with a permanent location, recovery shall be first sought from the association of the location of the property. If the claim is a workers’ compensation claim, recovery shall be first sought from the association of the residence of the claimant. Any sums recovered from any other guaranty association or equivalent organization shall be subtracted from the maximum liability of the association under section 515B.5, subsection 1, paragraph “a”.  [C71, 73, 75, 77, 79, 81, §515B.9]  86 Acts, ch 1184, §7; 88 Acts, ch 1112, §508; 91 Acts, ch 26, §45; 2003 Acts, ch 91, §42; 2012 Acts, ch 1023, §123
IA Code § 515B.10 (2021)
2021 Iowa Code|Title XIII - COMMERCE|Chapter 515B - INSURANCE GUARANTY ASSOCIATION|Section 515B.10 - Prevention of insolvencies.

515B.10 Prevention of insolvencies.   1. a. To aid in the detection and prevention of insurer insolvencies the board of directors, upon majority vote, may do either of the following:   (1) Make recommendations to the commissioner for the detection and prevention of insurer insolvencies.   (2) Respond to a request by the commissioner to discuss and make recommendations regarding the status of member insurers whose financial condition may be hazardous to policyholders or the public.   b. At the conclusion of a domestic insurer insolvency, the board of directors may prepare a report based on the information available to the association on the history and causes of the insolvency. The report may be submitted to the commissioner.   2. Recommendations and reports made pursuant to subsection 1, paragraph “a”, subparagraph (2), are not public records under chapter 22.  [C71, 73, 75, 77, 79, 81, §515B.10]  86 Acts, ch 1184, §8  Referred to in §22.7(22), 515B.5
IA Code § 515B.11 (2021)
2021 Iowa Code|Title XIII - COMMERCE|Chapter 515B - INSURANCE GUARANTY ASSOCIATION|Section 515B.11 - Examination of the association.

515B.11 Examination of the association.   The association is subject to examination and regulation by the commissioner. The board of directors shall submit, not later than March 30 of each year, a financial report for the preceding calendar year in a form approved by the commissioner.  [C71, 73, 75, 77, 79, 81, §515B.11]
IA Code § 515B.12 (2021)
2021 Iowa Code|Title XIII - COMMERCE|Chapter 515B - INSURANCE GUARANTY ASSOCIATION|Section 515B.12 - Tax exemption.

515B.12 Tax exemption.   The association is exempt from payment of all fees and all taxes levied by this state or any of its subdivisions, except taxes levied on property.  [C71, 73, 75, 77, 79, 81, §515B.12]  89 Acts, ch 296, §73