reglab/statecodes huggingface dataset:
2023 Connecticut General Statutes › Title 38a - Insurance › Chapter 701 - Personal and Commercial Risk Insurance Rating Practices › Section 38a-668. (Formerly Sec. 38-201f). - Use of information of rating or advisory organizations.

Members and subscribers of rating or advisory organizations may use the rates, rating systems, underwriting rules or policy or bond form of such organizations, either consistently or intermittently, but, except as provided in sections 38a-667, 38a-670 and 38a-672, shall not agree with each other or rating organizations or others to adhere thereto. The fact that two or more admitted insurers, whether or not members or subscribers of a rating or advisory organization, use, either consistently or intermittently, the rates or rating systems made or adopted by a rating organization, or policy or bond forms prepared by a rating or advisory organization, shall not be sufficient in itself to support a finding that an agreement to so adhere exists and may be used only for the purpose of supplementing or explaining any competent evidence of the existence of any such agreement.
(1969, P.A. 665, S. 6.)
History: Sec. 38-201f transferred to Sec. 38a-668 in 1991.
2023 Connecticut General Statutes › Title 38a - Insurance › Chapter 701 - Personal and Commercial Risk Insurance Rating Practices › Section 38a-669. (Formerly Sec. 38-201g). - Exchange of information re rate-making and rating systems.

The Insurance Commissioner and every admitted insurer, rating organization, advisory organization or statistical agency may exchange information and experience data with insurance supervisory officials, insurers, rating organizations, advisory organizations or statistical agencies in this and any other state, and may consult with them with respect to rate-making and the application of rating systems.
(1969, P.A. 665, S. 7; P.A. 77-614, S. 163, 610; P.A. 80-482, S. 306, 348.)
History: P.A. 77-614 placed insurance commissioner within the department of business regulation and made insurance department a division within that department, effective January 1, 1979; P.A. 80-482 restored insurance commissioner and division to prior independent status and abolished the department of business regulation; Sec. 38-201g transferred to Sec. 38a-669 in 1991.
2023 Connecticut General Statutes › Title 38a - Insurance › Chapter 701 - Personal and Commercial Risk Insurance Rating Practices › Section 38a-670. (Formerly Sec. 38-201h). - Agreements to insure uninsurable applicants. Approval. Revocation.

(a) Agreements may be made among admitted insurers with respect to the equitable apportionment among them of casualty 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 with respect to the use of reasonable rate modifications of such insurance, such agreements to be subject to the approval of the Insurance Commissioner.
(b) All such agreements shall be submitted in writing to the Insurance Commissioner for his consideration and approval together with such information as he may reasonably require. Said commissioner shall approve only such agreements as are found by him to contemplate (1) the use of rates which meet the standards prescribed by sections 38a-663 to 38a-681, inclusive, and (2) activities and practices that are not unfair, unreasonable or otherwise inconsistent with the provisions of said sections.
(c) At any time after such agreements are in effect the Insurance Commissioner may review the practices and activities of the adherents to such agreements and if after a hearing upon not less than ten days' notice to such adherents he finds that any such practice or activity is unfair or unreasonable, or is otherwise inconsistent with the provisions of said sections, he may issue a written order to the parties to any such agreement specifying in what respect such act or practice is unfair or unreasonable or otherwise inconsistent with such provisions and requiring the discontinuance of such activity or practice. For good cause, and after hearing upon not less than ten days' notice to the adherents thereto, the Insurance Commissioner may revoke approval of any such agreement.
(1969, P.A. 665, S. 8; P.A. 77-614, S. 163, 610; P.A. 80-482, S. 307, 348.)
History: P.A. 77-614 placed insurance commissioner within the department of business regulation and made insurance department a division within that department, effective January 1, 1979; P.A. 80-482 restored insurance commissioner and division to prior independent status and abolished the department of business regulation; Sec. 38-201h transferred to Sec. 38a-670 in 1991.
2023 Connecticut General Statutes › Title 38a - Insurance › Chapter 701 - Personal and Commercial Risk Insurance Rating Practices › Section 38a-671. (Formerly Sec. 38-201i). - Compliance with law prerequisite to operation. Insurer not to subscribe to noncomplying organization.

Upon compliance with the provisions of sections 38a-663 to 38a-681, inclusive, applicable thereto, any rating organization, advisory organization, and any group, association or other organization of admitted insurers which engages in joint underwriting or joint reinsurance through such organization or by standing agreement among the members thereof may conduct operations in this state. No insurer, with respect to insurance risks or operations in this state, shall be a member or subscriber of any such organization, group or association that has not complied with the provisions of said sections applicable to it.
(1969, P.A. 665, S. 9.)
History: Sec. 38-201i transferred to Sec. 38a-671 in 1991.
2023 Connecticut General Statutes › Title 38a - Insurance › Chapter 701 - Personal and Commercial Risk Insurance Rating Practices › Section 38a-674. (Formerly Sec. 38-201l). - Joint underwriting or joint reinsurance.

(a) Every group, association or other organization of insurers which engages in joint underwriting or joint reinsurance through such group, association or organization or by standing agreement among the members thereof shall file with the Insurance Commissioner (1) a copy of its constitution, its articles of incorporation, agreement or association and the bylaws, rules and regulations governing its activities, all duly certified by the custodian of the originals thereof, (2) a list of its members, and (3) the name and address of the resident of this state upon whom notices or orders of the Insurance Commissioner or process may be served.
(b) Every such group, association or other organization shall notify the Insurance Commissioner promptly of every change in its constitution, its articles of incorporation, agreement or association, and of its bylaws, rules and regulations governing the conduct of its business, its list of members and the name and address of the resident of this state designated by it upon whom notices or orders of said commissioner or process affecting such group, association or organization may be served.
(c) No such group, association or organization shall engage in any unfair or unreasonable practice with respect to such activities.
(1969, P.A. 665, S. 12; P.A. 77-614, S. 163, 610; P.A. 80-482, S. 310, 348; P.A. 81-472, S. 73, 159.)
History: P.A. 77-614 placed insurance commissioner within the department of business regulation and made insurance department a division within that department, effective January 1, 1979; P.A. 80-482 restored insurance commissioner and division to prior independent status and abolished the department of business regulation; P.A. 81-472 made technical changes; Sec. 38-201
l
transferred to Sec. 38a-674 in 1991.
2023 Connecticut General Statutes › Title 38a - Insurance › Chapter 701 - Personal and Commercial Risk Insurance Rating Practices › Section 38a-677. (Formerly Sec. 38-201o). - Examinations.

(a) The Insurance Commissioner shall, at least once every five years, and may as often as may be reasonable and necessary, make or cause to be made an examination of each licensed rating organization, and he may, as often as may be reasonable and necessary make or cause to be made an examination of any advisory organization or group, association or other organization which engages in joint underwriting or joint reinsurance. In lieu of any such examination, said commissioner may accept the report of an examination made by the insurance supervisory official of another state. In examining any organization, group or association pursuant to this section said commissioner shall ascertain whether such organization, group or association, and, in the case of a rating organization, any rate or rating system made or used by it, complies with the requirements and standards of sections 38a-663 to 38a-681, inclusive, applicable to it.
(b) The Insurance Commissioner may, at any reasonable time, make or cause to be made an examination of every admitted insurer transacting any class of insurance to which the provisions of said sections are applicable to ascertain whether such insurer and every rate and rating system used by it for every such class of insurance complies with the requirements and standards of said sections applicable thereto. Such examination shall not be a part of a periodic general examination participated in by representatives of more than one state.
(c) The officers, managers, agents and employees of any such organization, group, association, or insurer may be examined at any time under oath and shall exhibit all books, records, accounts, documents or agreements governing its method of operation, together with all data, statistics and information of every kind and character collected or considered by such organization, group, association or insurer in the conduct of the operations to which such examination relates.
(d) The reasonable cost of any examination authorized by this section shall be paid by the organization, group, association or insurer to be examined.
(1969, P.A. 665, S. 15; P.A. 77-614, S. 163, 610; P.A. 80-482, S. 313, 348.)
History: P.A. 77-614 placed insurance commissioner within the department of business regulation and made insurance department a division within that department, effective January 1, 1979; P.A. 80-482 restored insurance commissioner and division to prior independent status and abolished the department of business regulation; Sec. 38-201o transferred to Sec. 38a-677 in 1991.
2023 Connecticut General Statutes › Title 38a - Insurance › Chapter 701 - Personal and Commercial Risk Insurance Rating Practices › Section 38a-679. (Formerly Sec. 38-201q). - Withholding or giving of false or misleading information.

No person, insurer or organization shall wilfully withhold information from, or knowingly give false or misleading information to the Insurance Commissioner or to any rating organization, advisory organization, insurer or group, association or other organization of insurers, which affect the rates, rating systems or premiums for the classes of insurance to which the provisions of sections 38a-663 to 38a-681, inclusive, are applicable.
(1969, P.A. 665, S. 17; P.A. 77-614, S. 163, 610; P.A. 80-482, S. 315, 348.)
History: P.A. 77-614 placed insurance commissioner within the department of business regulation and made insurance department a division within that department, effective January 1, 1979; P.A. 80-482 restored insurance commissioner and division to prior independent status and abolished the department of business regulation; Sec. 38-201q transferred to Sec. 38a-679 in 1991.
2023 Connecticut General Statutes › Title 38a - Insurance › Chapter 701 - Personal and Commercial Risk Insurance Rating Practices › Section 38a-680. (Formerly Sec. 38-201r). - Penalties.

Any person, insurer, organization, group or association that fails to comply with the final order of the Insurance Commissioner pursuant to sections 38a-663 to 38a-696, inclusive, shall be fined not more than two thousand dollars, but if such failure be wilful, not more than twenty thousand dollars, or imprisoned not more than one year or both. The commissioner shall collect the amount so payable and such penalties may be in addition to any other penalties provided by law.
(1969, P.A. 665, S. 18; P.A. 77-614, S. 163, 610; P.A. 80-482, S. 316, 348; P.A. 82-353, S. 20; P.A. 01-174, S. 15; P.A. 02-24, S. 3; P.A. 08-178, S. 23.)
History: P.A. 77-614 placed insurance commissioner within the department of business regulation and made insurance department a division within that department, effective January 1, 1979; P.A. 80-482 restored insurance commissioner and division to prior independent status and abolished the department of business regulation; P.A. 82-353 increased maximum fines from $50 to $1,000 and in the case of a wilful violation, from $5,000 to $10,000; Sec. 38-201r transferred to Sec. 38a-680 in 1991; P.A. 01-174 substituted reference to Sec. 38a-696 for Sec. 38a-697; P.A. 02-24 substituted “that” for “who”; P.A. 08-178 increased maximum fine from $1,000 to $2,000, and increased maximum fine for wilful failure to comply from $10,000 to $20,000.
2023 Connecticut General Statutes › Title 38a - Insurance › Chapter 701 - Personal and Commercial Risk Insurance Rating Practices › Section 38a-681. (Formerly Sec. 38-201s). - Payment of dividends, savings and unabsorbed premium deposits excepted.

Nothing in sections 38a-663 to 38a-681, inclusive, shall be construed to prohibit or regulate the payment of dividends, savings or unabsorbed premium deposits allowed or returned by insurers to their policyholders, members or subscribers. A plan for the payment of dividends, savings or unabsorbed premium deposits allowed or returned by insurers to their policyholders, members or subscribers shall not be deemed a rating plan or system.
(1969, P.A. 665, S. 19.)
History: Sec. 38-201s transferred to Sec. 38a-681 in 1991.
2023 Connecticut General Statutes › Title 38a - Insurance › Chapter 701 - Personal and Commercial Risk Insurance Rating Practices › Section 38a-682. (Formerly Sec. 38-201t). - Rate credit for driver training courses.

If any insurance company licensed to do business in this state allows a rate credit or deviation in motor vehicle insurance premium charges for persons successfully completing a full course of study of motor vehicle operation in a public secondary school, a technical education and career school or a private secondary school, as approved by the Commissioner of Motor Vehicles in accordance with the provisions of section 14-36e, or training of a similar nature provided by a licensed drivers' school approved by said commissioner, including, in each case, successful completion of the required number of hours of classroom instruction and behind-the-wheel, on-the-road instruction, then such insurance company shall give equal credit or deviation to all such persons.
(1969, P.A. 214; P.A. 99-232, S. 3; P.A. 12-116, S. 87; P.A. 17-237, S. 111.)
History: Sec. 38-201t transferred to Sec. 38a-682 in 1991; (Revisor's note: In 1997 a reference to “Motor Vehicle Department” was replaced editorially by the Revisors with “Department of Motor Vehicles” for consistency with customary statutory usage); P.A. 99-232 substituted requirement that if any insurance company allows a rate credit or deviation for completion of a full course of study of motor vehicle operation in enumerated types of schools or similar training, as approved by the Commissioner of Motor Vehicles, then such insurance company shall give equal credit or deviation to all such persons, for prior requirement that any insurance company which allows a rate credit or deviation for persons successfully completing a secondary or vocational school driver education program shall give equal credit or deviation for persons successfully completing a course offered by a full-time commercially operated driving school licensed by the Department of Motor Vehicles which course consists of at least 30 classroom hours of instruction and 6 hours of behind-the-wheel instruction; pursuant to P.A. 12-116, “vocational school” was changed editorially by the Revisors to “technical high school”, effective July 1, 2012; P.A. 17-237 replaced “state technical high school” with “technical education and career school”, effective July 1, 2017.
2023 Connecticut General Statutes › Title 38a - Insurance › Chapter 701 - Personal and Commercial Risk Insurance Rating Practices › Section 38a-684. (Formerly Sec. 38-201ee). - Rate credit for safe boat handling courses.

Any insurer who delivers or issues for delivery in the state any policy, other than homeowners, covering a motorboat used for recreational purposes and powered by a motor in excess of five horsepower shall allow a rate credit when the principal operator or operators has submitted to such insurer proof of successful completion of a course in safe boat handling approved by the Commissioner of Energy and Environmental Protection in accordance with section 15-133c or the provisions of section 15-133b. For policies delivered or issued for delivery on or after January 1, 1983, and before January 1, 1986, the credit shall be not less than five per cent of the premium for a period of two years from the effective date of the policy.
(P.A. 82-421, S. 2, 4; P.A. 11-80, S. 1.)
History: Sec. 38-201ee transferred to Sec. 38a-684 in 1991; pursuant to P.A. 11-80, “Commissioner of Environmental Protection” was changed editorially by the Revisors to “Commissioner of Energy and Environmental Protection”, effective July 1, 2011.
2023 Connecticut General Statutes › Title 38a - Insurance › Chapter 701 - Personal and Commercial Risk Insurance Rating Practices › Section 38a-685. (Formerly Sec. 38-201hh). - Premium discount for motorcyclists completing novice or advanced training course.

Any insurer who delivers or issues for delivery in this state liability insurance policies for motorcycles shall offer a premium discount on any such policy to any principal operator of a motorcycle who submits to such insurer proof of successful completion of the novice or advanced motorcycle training course offered by the Department of Transportation or other entity approved by the Commissioner of Motor Vehicles in accordance with section 14-40a. A minimum discount of ten per cent shall be applicable to premium charges for any such policy delivered, issued for delivery or renewed on or after October 1, 1987, such discount to be applicable for a period of five years from the original effective date of the discount. Such course shall be completed within one year prior to the initial application of the discount or, for subsequent applications of the discount, within one year prior to the expiration of the current discount period. If proof of successful completion of such course is submitted during the term of a policy, any premium modification shall become effective upon the next renewal. The discount provided by this section shall not be applicable to physical damage insurance coverage for motorcycles.
(P.A. 87-168; P.A. 11-213, S. 48.)
History: Sec. 38-201hh transferred to Sec. 38a-685 in 1991; P.A. 11-213 amended premium discount provision to add motorcycle operators who complete training course offered by other entity approved by Commissioner of Motor Vehicles, effective January 1, 2012.
2023 Connecticut General Statutes › Title 38a - Insurance › Chapter 701 - Personal and Commercial Risk Insurance Rating Practices › Section 38a-688b. - Declination, cancellation or nonrenewal of personal risk insurance policy based on credit history or rating prohibited.

The declination, cancellation or nonrenewal of a personal risk insurance policy not subject to the provisions of section 38a-358 is prohibited if the declination, cancellation or nonrenewal is based solely on information contained in an insured's or applicant's credit history or credit rating or solely on an applicant's lack of credit history. For the purposes of this section, an insurer shall not be deemed to have declined, cancelled or nonrenewed a policy if coverage is available through an affiliated insurer.
(P.A. 10-7, S. 3.)
History: P.A. 10-7 effective January 1, 2011.
2023 Connecticut General Statutes › Title 38a - Insurance › Chapter 701 - Personal and Commercial Risk Insurance Rating Practices › Section 38a-688c. - Allowance of suit against insurer under personal risk policies, master policies and certain property policies. Time limitation.

(a) For the purposes of this section, “personal risk insurance” means homeowners, tenants, mobile manufactured home and other property and casualty insurance for personal, family or household needs except workers' compensation and automobile insurance.
(b) Any policy of personal risk insurance, master policy obtained pursuant to section 47-83 or property insurance policy maintained pursuant to section 47-255 shall allow suit against the insurer not later than one year after the date the insured receives written denial for all or any part of a claim under the property coverage provisions of the policy for foundation deterioration due to the presence of pyrrhotite.
(June Sp. Sess. P.A. 17-2, S. 341.)
History: June Sp. Sess. P.A. 17-2 effective October 31, 2017 and applicable to policies issued, renewed or in effect on or after that date.
2023 Connecticut General Statutes › Title 38a - Insurance › Chapter 701 - Personal and Commercial Risk Insurance Rating Practices › Section 38a-689. (Formerly Sec. 38-201y). - Insurers issuing homeowners policies to file underwriting rules and regulations with commissioner. Approval procedure.

(a) Each insurance company which issues homeowners insurance policies in this state shall file with the Insurance Commissioner the rules and regulations, or any modifications of such rules and regulations, used by such company to determine whether or not to underwrite such policies.
(b) Such rules and regulations, or modification of such rules and regulations, shall be on file with the commissioner for a waiting period of thirty days before they become effective. The commissioner may extend the waiting period for an additional extension period not to exceed thirty days if the commissioner gives the insurance company that made the filing written notice within the waiting period. The written notice shall indicate that the commissioner needs additional time to consider the filing. Upon written application by such insurance company, the commissioner may authorize a filing that the commissioner has reviewed to become effective before the expiration of the waiting period or any extension period. A filing shall be deemed approved unless disapproved by the commissioner within the waiting period or any extension period. If, within the waiting period or any extension period, the commissioner disapproves the filing, the commissioner shall send the insurance company that made such filing written notice of disapproval, specifying the reasons for disapproval, and stating that such filing shall not become effective. Such finding of the commissioner shall be subject to review as provided in section 38a-19.
(P.A. 82-353, S. 21; P.A. 00-7, S. 2.)
History: Sec. 38-201y transferred to Sec. 38a-689 in 1991; P.A. 00-7 designated existing language as Subsec. (a), deleted “On or before January 1, 1983”, rewrote section and deleted reference that modification of rules and regulations be on file with the commissioner for a 30-day waiting period, and added new Subsec. (b) concerning waiting period for approval, extension period and disapproval re rules, regulations and modifications of rules and regulations.
2023 Connecticut General Statutes › Title 38a - Insurance › Chapter 701 - Personal and Commercial Risk Insurance Rating Practices › Section 38a-690. (Formerly Sec. 38-201z). - Commissioner to approve statistical plan for workers' compensation insurance.

The Insurance Commissioner shall approve a uniform statistical plan for workers' compensation and employers' liability insurance which shall thereafter be used by all insurers writing such insurance.
(P.A. 82-353, S. 22.)
History: Sec. 38-201z transferred to Sec. 38a-690 in 1991.
2023 Connecticut General Statutes › Title 38a - Insurance › Chapter 701 - Personal and Commercial Risk Insurance Rating Practices › Section 38a-691. (Formerly Sec. 38-201aa). - Commissioner to develop consumer information system for personal risk insurance needs.

The commissioner is authorized to utilize, develop or cause to be developed a consumer information system which will provide and disseminate price and other relevant information on a readily available basis to purchasers with personal risk insurance needs. Such activity may be conducted internally within the Insurance Department, in cooperation with other state insurance departments, through outside contractors or in any other manner deemed appropriate by the commissioner. To the extent deemed necessary and appropriate by the commissioner, insurers, advisory organizations and other persons or organizations involved in conducting the business of insurance in this state to which this section applies shall cooperate in the development and utilization of a consumer information system. The provisions of this section shall not limit the authority of the commissioner with respect to commercial risk insurance.
(P.A. 82-353, S. 18.)
History: Sec. 38-201aa transferred to Sec. 38a-691 in 1991.
2023 Connecticut General Statutes › Title 38a - Insurance › Chapter 701 - Personal and Commercial Risk Insurance Rating Practices › Section 38a-692. (Formerly Sec. 38-201bb). - Rulings by commissioner exempting market.

The commissioner may on the commissioner's own initiative or upon request of any person, issue a ruling, exempting any market from any or all of the provisions of subsection (d) of section 7-479e, section 38a-341, subsection (a) of section 38a-343, sections 38a-358, 38a-387, 38a-663, 38a-665, subsection (b) of section 38a-672, sections 38a-673, 38a-675, 38a-676, 38a-680, 38a-686 to 38a-694, inclusive, and subdivision (9) of section 38a-816, if and to the extent that the commissioner finds their application unnecessary to achieve the purpose of sections 38a-663 to 38a-696, inclusive.
(P.A. 82-353, S. 23; P.A. 01-174, S. 18.)
History: Sec. 38-201bb transferred to Sec. 38a-692 in 1991 (Revisor's note: In 1995 the reference to Sec. “38a-386” was deleted editorially by the Revisors to reflect the repeal of that section by public act 93-297, S. 28); P.A. 01-174 substituted reference to Sec. 38a-696 for Sec. 38a-697 and made technical changes for the purpose of gender neutrality.
2023 Connecticut General Statutes › Title 38a - Insurance › Chapter 701 - Personal and Commercial Risk Insurance Rating Practices › Section 38a-693. (Formerly Sec. 38-201cc). - Regulations.

The Insurance Commissioner may adopt regulations in accordance with the provisions of chapter 54, as he deems necessary to effectuate the purposes of sections 38a-341, 38a-358, 38a-672, 38a-673, 38a-676, 38a-686 to 38a-689, inclusive, 38a-691, 38a-692 and 38a-694.
(P.A. 82-353, S. 24; P.A. 89-65, S. 3.)
History: P.A. 89-65 authorized the commissioner to adopt regulations to carry out the purposes of Secs. 38-201j and 38-201k; Sec. 38-201cc transferred to Sec. 38a-693 in 1991.
2023 Connecticut General Statutes › Title 38a - Insurance › Chapter 701 - Personal and Commercial Risk Insurance Rating Practices › Section 38a-694. (Formerly Sec. 38-201dd). - Legislative finding. Deregulation.

It is found and declared that the purposes of subsection (d) of section 7-479e, section 38a-341, subsection (a) of section 38a-343, sections 38a-358, 38a-387, 38a-663, 38a-665, subsection (b) of section 38a-672, sections 38a-673, 38a-675, 38a-676, 38a-680, 38a-686 to 38a-694, inclusive, and subdivision (9) of section 38a-816, are: (1) To prohibit noncompetitive behavior by insurers; (2) to protect policyholders and the public against the adverse effects of excessive, inadequate or unfairly discriminatory rates; (3) to promote price competition among insurers so as to provide rates which are responsive to competitive market conditions; (4) to promote sufficient consumer activity in the marketplace in order to generate a regulatory effect on price; (5) to improve availability, fairness and reliability of insurance; (6) to authorize essential cooperative action among insurers in the rate- making process and to regulate such activity to prevent practices that tend to substantially reduce competition or create a monopoly; (7) to encourage the most efficient and economic marketing practices; (8) to provide price and other information to enable consumers to purchase insurance suitable for their needs and to foster competitive insurance markets; and (9) to provide the Insurance Commissioner with authority to impose regulatory controls in the event that the other purposes are not accomplished.
(P.A. 82-353, S. 1.)
History: Sec. 38-201dd transferred to Sec. 38a-694 in 1991 (Revisor's note: In 1995 the reference to Sec. “38a-386” was deleted editorially by the Revisors to reflect the repeal of that section by public act 93-297, S. 28 and in 1999 the reference to Sec. “37a-676” was changed to “38a-676” to correct a typographical error).
2023 Connecticut General Statutes › Title 38a - Insurance › Chapter 701 - Personal and Commercial Risk Insurance Rating Practices › Section 38a-695. (Formerly Sec. 38-201ff). - Effective dates for revised insurance rates and supplementary rate information.

Whenever a filing is submitted by an insurer to the Insurance Commissioner to revise the rates or supplementary rate information applicable to any policy subject to the provisions of sections 38a-663 to 38a-696, inclusive, the filing shall specify an effective date, provided the filing may specify separate effective dates for new business and renewal business. Such rates or supplementary rate information shall only apply to policies with an inception, continuation, or renewal effective date on or after the appropriate filing effective date, regardless of the date the policy is written, issued, processed or delivered. If either a coverage is changed or an exposure is added during the policy period, the insurer shall specify, at the time of the original filing, whether the applicable rates will be (1) the rates in effect at the beginning of the policy period, or (2) the rates in effect on the effective date of the change in coverage or the addition in exposure. If the latter rates are specified, such rates shall apply only to the changed coverage or the added exposure.
(P.A. 86-34, S. 1, 2; P.A. 01-174, S. 19.)
History: Sec. 38-201ff transferred to Sec. 38a-695 in 1991; P.A. 01-174 substituted “38a-696” for “38a-697” and substituted “the filing” for “it”.
2023 Connecticut General Statutes › Title 38a - Insurance › Chapter 701 - Personal and Commercial Risk Insurance Rating Practices › Section 38a-697. (Formerly Sec. 38-201gg). - Submittal to commissioner of data relating premiums charged to filed rates for certain insurance lines.

Section 38a-697 is repealed, effective October 1, 2001.
(P.A. 86-98, S. 5, 6; P.A. 01-174, S. 21.)
2023 Connecticut General Statutes › Title 38a - Insurance › Chapter 701a - Insurance Producers, Agents and Third-Party Administrators › Section 38a-702. (Formerly Sec. 38-69). - Definitions.

Section 38a-702 is repealed, effective September 1, 2002.
(1949 Rev., S. 6057; 1967, P.A. 526, S. 3; P.A. 90-243, S. 22; P.A. 94-160, S. 3, 24; P.A. 95-79, S. 145, 146, 189; P.A. 96-227, S. 11; P.A. 97-317, S. 2, 4; P.A. 01-113, S. 41, 42.)
2023 Connecticut General Statutes › Title 38a - Insurance › Chapter 701a - Insurance Producers, Agents and Third-Party Administrators › Section 38a-702b. - Producer license required.

A person shall not sell, solicit or negotiate insurance in this state for any class or classes of insurance unless the person is licensed for that line of authority in accordance with sections 38a-702a to 38a-702r, inclusive.
(P.A. 01-113, S. 2, 42.)
History: P.A. 01-113 effective September 1, 2002.
2023 Connecticut General Statutes › Title 38a - Insurance › Chapter 701a - Insurance Producers, Agents and Third-Party Administrators › Section 38a-702d. - Examinations. Fees.

(a) A resident individual applying for an insurance producer license shall pass a written examination unless exempt under section 38a-702h. The examination shall test the knowledge of the individual concerning the lines of authority for which application is made, the duties and responsibilities of an insurance producer and the insurance laws and regulations of this state, except that no additional course or examination shall be required for the line of variable life and variable annuity products. Examinations required by this section shall be developed and conducted under rules prescribed by the commissioner, or regulations which the commissioner may adopt pursuant to section 38a-702p.
(b) The commissioner may make arrangements, including, but not limited to, contracting with an outside testing service, for administering examinations and collecting the nonrefundable fee set forth in section 38a-11.
(c) Each individual applying for an examination shall remit a nonrefundable fee as set forth in section 38a-11.
(d) An individual who fails to appear for the examination as scheduled or fails to pass the examination shall reapply for an examination and remit all required fees and forms before being scheduled for another examination.
(P.A. 01-113, S. 4, 42.)
History: P.A. 01-113 effective September 1, 2002.
2023 Connecticut General Statutes › Title 38a - Insurance › Chapter 701a - Insurance Producers, Agents and Third-Party Administrators › Section 38a-702g. - Nonresident licenses.

(a) Unless a person is denied a license pursuant to section 38a-702k, a nonresident person shall receive a nonresident producer license if: (1) The person is currently licensed as a resident and in good standing in the person's home state; (2) the person has submitted the proper request for licensure and has paid the fees required under section 38a-11; (3) the person has submitted or transmitted to the commissioner the application for licensure that the person submitted to the person's home state, or in lieu of the same, a completed uniform application, provided an applicant for a surplus lines broker license or limited lines credit insurance producer license may submit any other application acceptable to the commissioner; and (4) the person's home state awards nonresident producer licenses to residents of this state on the same basis.
(b) The commissioner may verify the producer's licensing status through the producer database maintained by the National Association of Insurance Commissioners, its affiliates or subsidiaries.
(c) A nonresident producer who moves to this state from another state or a resident producer who moves from this state to another state shall file a change of address and provide certification from the new resident state not later than thirty days after the change of legal residence. No licensing fee or application shall be required from a producer moving to this state pursuant to this section.
(d) Notwithstanding any other provision of sections 38a-702a to 38a-702r, inclusive, a person licensed as a surplus lines broker in the person's home state shall receive a nonresident surplus lines broker license pursuant to subsection (a) of this section. Except as provided in subsection (a) of this section, nothing in this section otherwise amends or supersedes any provision of sections 38a-740 to 38a-745, inclusive.
(e) Notwithstanding any other provision of sections 38a-702a to 38a-702r, inclusive, a person licensed as a limited line credit insurance producer or other type of limited lines producer in the producer's home state shall receive a nonresident limited lines producer license, pursuant to subsection (a) of this section, granting the same scope of authority as granted under the license issued by the producer's home state. For the purpose of this section, limited line insurance is any authority granted by the home state which restricts the authority of the license to less than the total authority prescribed in the associated major lines pursuant to subdivisions (1) to (6), inclusive, of subsection (a) of section 38a-702f.
(P.A. 01-113, S. 7, 42; P.A. 02-24, S. 15; P.A. 04-257, S. 64.)
History: P.A. 01-113 effective September 1, 2002; P.A. 02-24 amended Subsec. (a)(3) to substitute “broker” for “brokers”, effective September 1, 2002; P.A. 04-257 made a technical change in Subsec. (d), effective June 14, 2004.
See Sec. 38a-702s re additional grounds for denial of producer licenses.
2023 Connecticut General Statutes › Title 38a - Insurance › Chapter 701a - Insurance Producers, Agents and Third-Party Administrators › Section 38a-702h. - Exemption from examination. Requirements for producers in other states who become residents of Connecticut. Waiver of examination for certain chartered underwriters.

(a) Except as provided in section 38a-702g or 38a-702n, an individual who applies for an insurance producer license in this state and who was previously licensed for the same lines of authority in another state shall not be required to complete any prelicensing education or examination if the application is received not later than ninety days after the cancellation of the applicant's previous license and if the prior state issues a certification that, at the time of cancellation, the applicant was in good standing in that state or the state's producer database records, maintained by the National Association of Insurance Commissioners, its affiliates or subsidiaries, indicate that the producer is or was licensed in good standing for the line of authority requested.
(b) A person licensed as an insurance producer in another state who moves to this state shall make application not later than ninety days after establishing legal residence to become a resident licensee pursuant to section 38a-702e. No prelicensing education or examination shall be required of such person for any line of authority previously held in the prior state except where the commissioner determines otherwise by regulation, which the commissioner may adopt in accordance with chapter 54.
(c) The commissioner may waive the requirement of an examination for a license to act as a producer for (1) property and casualty insurance in the case of any applicant who has been awarded the professional designation of Chartered Property and Casualty Underwriter, and (2) life and accident insurance in the case of any applicant who has been awarded the professional designation of Chartered Life Underwriter.
(P.A. 01-113, S. 8, 42; P.A. 04-77, S. 2.)
History: P.A. 01-113 effective September 1, 2002; P.A. 04-77 added Subsec. (c) re waiver of examination for Chartered Property and Casualty Underwriters and Chartered Life Underwriters.
2023 Connecticut General Statutes › Title 38a - Insurance › Chapter 701a - Insurance Producers, Agents and Third-Party Administrators › Section 38a-702i. - Notice to commissioner re use of assumed name.

An insurance producer doing business under any name other than the producer's legal name shall notify the commissioner prior to using the assumed name.
(P.A. 01-113, S. 9, 42.)
History: P.A. 01-113 effective September 1, 2002.
2023 Connecticut General Statutes › Title 38a - Insurance › Chapter 701a - Insurance Producers, Agents and Third-Party Administrators › Section 38a-702j. - Temporary producer licenses.

(a) The commissioner may issue a temporary insurance producer license for a period not to exceed one hundred eighty days without requiring an examination if the commissioner deems that the temporary license is necessary for the servicing of an insurance business in the following cases: (1) To the surviving spouse or court-appointed personal representative of a licensed insurance producer who dies or becomes mentally or physically disabled to allow adequate time for the sale of the insurance business owned by the producer or for the recovery or return of the producer to the business or to provide for the training and licensing of new personnel to operate the producer's business; (2) to a member or employee of a business entity licensed as an insurance producer, upon the death or disability of an individual designated in the business entity application or the license; (3) to the designee of a licensed insurance producer entering active service in the armed forces of the United States; or (4) in any other circumstance where the commissioner deems that the public interest will best be served by the issuance of the license.
(b) The commissioner may limit the authority of any temporary licensee in any way deemed necessary to protect insureds and the public. The commissioner may require the temporary licensee to have a suitable sponsor who is a licensed producer or insurer and who assumes responsibility for all acts of the temporary licensee and may impose other similar requirements designed to protect insureds and the public. The commissioner may revoke a temporary license if the interests of insureds or the public are endangered. A temporary license may not continue after the owner or the personal representative disposes of the business.
(P.A. 01-113, S. 10, 42.)
History: P.A. 01-113 effective September 1, 2002.
2023 Connecticut General Statutes › Title 38a - Insurance › Chapter 701a - Insurance Producers, Agents and Third-Party Administrators › Section 38a-702l. - Producer commissions.

(a) An insurance company or insurance producer shall not pay a commission, service fee, brokerage or other valuable consideration to a person for selling, soliciting or negotiating insurance in this state if the person is required to be licensed under sections 38a-702a to 38a-702r, inclusive, and is not so licensed.
(b) A person shall not accept a commission, service fee, brokerage or other valuable consideration for selling, soliciting or negotiating insurance in this state if the person is required to be licensed under sections 38a-702a to 38a-702r, inclusive, and is not so licensed.
(c) Renewal or other deferred commissions may be paid to a person, or an heir or assignee of the person, for selling, soliciting or negotiating insurance in this state if the person was required to be licensed under sections 38a-702a to 38a-702r, inclusive, at the time of the sale, solicitation or negotiation and was so licensed at that time.
(d) An insurer or insurance producer may pay or assign commissions, service fees, brokerages or other valuable consideration to an insurance agency or to persons who do not sell, solicit or negotiate insurance in this state, unless the payment would violate section 38a-825.
(P.A. 01-113, S. 12, 42; P.A. 04-77, S. 1.)
History: P.A. 01-113 effective September 1, 2002; P.A. 04-77 amended Subsec. (c) to add “or an heir or assignee of the person”.
2023 Connecticut General Statutes › Title 38a - Insurance › Chapter 701a - Insurance Producers, Agents and Third-Party Administrators › Section 38a-702m. - Agent appointments. Fees.

(a) An insurance producer shall not act as an agent of an insurer unless the insurance producer becomes an appointed agent of the insurer. An insurance producer who is not acting as an agent of an insurer is not required to become appointed.
(b) To appoint a producer as its agent, the appointing insurer shall file, in a form approved by the commissioner, a notice of appointment not later than fifteen days after the date the agency contract is executed or the first insurance application is submitted. An insurer may elect to appoint a producer to all or some of the affiliated companies within the insurer's holding company system or group by filing a single appointment request, provided the commissioner (1) has implemented an electronic system capable of processing such filings; and (2) has previously notified insurers doing business in this state that such filings are acceptable. An insurer that appoints a producer to more than one affiliated company within the insurer's holding company or system shall pay the fee specified by section 38a-11 for each affiliated company to which the producer is appointed.
(c) Upon receipt of the notice of appointment, the commissioner shall verify within a reasonable time not to exceed thirty days that the insurance producer is eligible for appointment. If the insurance producer is determined to be ineligible for appointment, the commissioner shall notify the insurer not later than five days after the commissioner's determination.
(d) An insurer shall pay an appointment fee, in the amount set forth in section 38a-11, for each insurance producer appointed by the insurer.
(e) An insurer shall remit, in a manner prescribed by the commissioner, a renewal appointment fee in the amount set forth in section 38a-11.
(P.A. 01-113, S. 13, 42.)
History: P.A. 01-113 effective September 1, 2002.
2023 Connecticut General Statutes › Title 38a - Insurance › Chapter 701a - Insurance Producers, Agents and Third-Party Administrators › Section 38a-702n. - Reciprocity.

(a) The commissioner shall waive any prelicensing requirements, except the requirements imposed by section 38a-702g, for a nonresident license applicant with a valid license from the applicant's home state if the applicant's home state awards nonresident licenses to residents of this state on the same basis.
(b) A nonresident producer's satisfaction of the producer's home state's continuing education requirements for licensed insurance producers shall constitute satisfaction of this state's continuing education requirements if the nonresident producer's home state recognizes the satisfaction of its continuing education requirements imposed upon producers from this state on the same basis.
(P.A. 01-113, S. 14, 42.)
History: P.A. 01-113 effective September 1, 2002.
2023 Connecticut General Statutes › Title 38a - Insurance › Chapter 701a - Insurance Producers, Agents and Third-Party Administrators › Section 38a-702o. - Producer to report administrative actions and criminal prosecutions to commissioner.

(a) A producer shall report to the commissioner any administrative action taken against the producer in another jurisdiction or by another governmental agency in this state not later than thirty days after the final disposition of the matter. The report shall include a copy of the order, consent to order or other relevant legal documents.
(b) Not later than thirty days after the initial pretrial hearing date, a producer shall report to the commissioner any criminal prosecution taken against the producer in any jurisdiction. The report shall include a copy of the initial complaint filed, the order resulting from the hearing and any other relevant legal documents.
(P.A. 01-113, S. 15, 42.)
History: P.A. 01-113 effective September 1, 2002.
2023 Connecticut General Statutes › Title 38a - Insurance › Chapter 701a - Insurance Producers, Agents and Third-Party Administrators › Section 38a-702p. - Regulations.

The commissioner may adopt regulations, in accordance with chapter 54, to implement the provisions of sections 38a-702a to 38a-702r, inclusive.
(P.A. 01-113, S. 16, 42.)
History: P.A. 01-113 effective September 1, 2002.
2023 Connecticut General Statutes › Title 38a - Insurance › Chapter 701a - Insurance Producers, Agents and Third-Party Administrators › Section 38a-702q. - Applicability of provisions.

Except as provided in section 38a-702g and section 38a-702n, sections 38a-702a to 38a-702r, inclusive, shall not apply to surplus lines brokers licensed pursuant to section 38a-769 or 38a-794.
(P.A. 01-113, S. 17, 42; P.A. 14-235, S. 59.)
History: P.A. 01-113 effective September 1, 2002; P.A. 14-235 replaced reference to excess and surplus lines agents with reference to surplus lines brokers and replaced reference to Secs. 38a-740 to 38a-745 with reference to Sec. 38a-769.
2023 Connecticut General Statutes › Title 38a - Insurance › Chapter 701a - Insurance Producers, Agents and Third-Party Administrators › Section 38a-702r. - Construction. Provisions not applicable to bail bond or title insurance.

Nothing in sections 38a-702a to 38a-702q, inclusive, shall be construed as applicable to bail bond insurance under chapter 700f, or title insurance under chapter 700a.
(P.A. 01-113, S. 18, 42.)
History: P.A. 01-113 effective September 1, 2002.