reglab/statecodes huggingface dataset:
2023 Connecticut General Statutes › Title 38a - Insurance › Chapter 698c - Risk Retention Groups › Section 38a-261. (Formerly Sec. 38-541). - Purchasing group to furnish notice to Insurance Commissioner.

A purchasing group that intends to do business in this state shall furnish notice to the Insurance Commissioner that shall: (1) Identify the state in which the group is domiciled; (2) specify the lines and classifications of liability insurance that the purchasing group intends to purchase; (3) identify the insurance company from which the group intends to purchase its insurance and the domicile of such company; (4) identify the principal place of business of the group; (5) provide such other information as may be required by the Insurance Commissioner to verify that the purchasing group satisfies the definitional requirements of subdivision (11) of section 38a-250; (6) register with and designate the Insurance Commissioner as its agent solely for the purpose of receiving service of legal documents or process, in accordance with Section 4 of the Liability Risk Retention Act of 1986; (7) identify all other states in which the group intends to do business; and (8) specify the method by which, and the person or persons, if any, through whom insurance will be offered to its members whose risks are resident or located in this state. A purchasing group shall notify the commissioner of any change in any of the items set forth in this section not later than ten days after any such change.
(P.A. 87-135, S. 12, 18; P.A. 89-33, S. 5; P.A. 93-239, S. 27; P.A. 15-118, S. 36; P.A. 16-206, S. 8.)
History: P.A. 89-33 made technical change in the cited Subdiv. of Sec. 38-530; Sec. 38-541 transferred to Sec. 38a-261 in 1991; P.A. 93-239 added additional requirements re the identification of all other states in which the risk retention group intends to do business, re the specification of the methods used and persons involved in offering such insurance to the members in this state and re notification to the commissioner within ten days of any changes in the requirements required by Sec. 38a-261; P.A. 15-118 made technical changes; P.A. 16-206 made a technical change in Subdiv. (5).
2023 Connecticut General Statutes › Title 38a - Insurance › Chapter 698c - Risk Retention Groups › Section 38a-262. (Formerly Sec. 38-542). - Authority of Insurance Commissioner.

The Insurance Commissioner is authorized to make use of any of the powers established under this title to enforce the laws of this state so long as those powers are not specifically preempted by the Product Liability Risk Retention Act of 1981, 15 USC 3901 et seq., as amended by the Liability Risk Retention Act of 1986. Such authorization includes, but is not limited to, the commissioner's administrative authority to investigate, issue subpoenas, conduct depositions and hearings, issue orders and impose penalties. With regard to any investigation, administrative proceedings or litigation, the commissioner may rely on the procedural law and regulations of the state. The injunctive authority of the commissioner in regard to risk retention groups is restricted by the requirement that any injunction be issued by a court of competent jurisdiction.
(P.A. 87-135, S. 13, 18; P.A. 17-15, S. 19.)
History: Sec. 38-542 transferred to Sec. 38a-262 in 1991; P.A. 17-15 made a technical change.
2023 Connecticut General Statutes › Title 38a - Insurance › Chapter 698c - Risk Retention Groups › Section 38a-263. (Formerly Sec. 38-543). - License required for producers.

Any person acting, or offering to act, as a producer for a risk retention group or purchasing group that solicits members, sells insurance coverage, purchases coverage for its members located within the state or otherwise does business in this state shall, before commencing any such activity, obtain a license from the Insurance Commissioner in such form as the commissioner prescribes in accordance with the provisions of section 38a-769.
(P.A. 87-135, S. 14, 18; P.A. 96-193, S. 8, 36; P.A. 17-15, S. 20.)
History: Sec. 38-543 transferred to Sec. 38a-263 in 1991; P.A. 96-193 substituted “producer” for “agent or broker”, effective June 3, 1996; P.A. 17-15 made a technical change.
2023 Connecticut General Statutes › Title 38a - Insurance › Chapter 698c - Risk Retention Groups › Section 38a-264. (Formerly Sec. 38-544). - Penalties for violations of chapter.

A risk retention group that violates any provision of sections 38a-250 to 38a-266, inclusive, shall be subject to fines and penalties applicable to licensed insurers generally, including revocation of its license and the right to do business in this state.
(P.A. 87-135, S. 15, 18; P.A. 17-15, S. 21.)
History: Sec. 38-544 transferred to Sec. 38a-264 in 1991; P.A. 17-15 made a technical change.
2023 Connecticut General Statutes › Title 38a - Insurance › Chapter 698c - Risk Retention Groups › Section 38a-265. (Formerly Sec. 38-545). - Federal injunctions enforceable in state courts.

An order issued by a district court of the United States enjoining a risk retention group from soliciting or selling insurance or operating, in any state, or in all states or in any territory or possession of the United States, upon a finding that such a group is in a hazardous financial condition shall be enforceable in the courts of this state.
(P.A. 87-135, S. 16, 18.)
History: Sec. 38-545 transferred to Sec. 38a-265 in 1991.
2023 Connecticut General Statutes › Title 38a - Insurance › Chapter 698c - Risk Retention Groups › Section 38a-266. (Formerly Sec. 38-546). - Regulations by Insurance Commissioner.

The commissioner may adopt regulations, in accordance with the provisions of chapter 54, relating to risk retention groups as may be necessary to carry out the provisions of sections 38a-250 to 38a-265, inclusive.
(P.A. 87-135, S. 17, 18.)
History: Sec. 38-546 transferred to Sec. 38a-266 in 1991.
2023 Connecticut General Statutes › Title 38a - Insurance › Chapter 698d - Unauthorized Insurers Act › Section 38a-271a. - Domestic surplus lines insurers.

(a) A domestic insurance company that has policyholder surplus of at least fifteen million dollars may, pursuant to a resolution adopted by its board of directors and with the approval of the Insurance Commissioner, be designated as a domestic surplus lines insurer. Unless otherwise provided by law, all financial and solvency requirements imposed under chapter 698 on a domestic insurer authorized to do insurance business in this state shall apply to a domestic surplus lines insurer.
(b) A domestic surplus lines insurer (1) shall be considered an unauthorized insurer that is eligible to write surplus lines insurance coverage in this state, (2) shall, with respect to surplus lines insurance written in this state, be considered a nonadmitted insurer under 15 USC 8206, as amended from time to time, (3) shall only write surplus lines insurance in this state in accordance with the provisions of chapter 701d from a surplus lines broker licensed under section 38a-794, and (4) a domestic surplus lines insurer may write surplus lines insurance in any other jurisdiction in which the insurer is eligible to write surplus lines insurance in accordance with the requirements of that jurisdiction.
(c) Surplus lines insurance written by a domestic surplus lines insurer shall be (1) subject to the tax imposed under section 38a-743, and (2) exempt from the tax imposed under section 12-202.
(d) Surplus lines insurance policies issued by a domestic surplus lines insurer in this state shall not be subject to (1) the protection of the Connecticut Insurance Guaranty Association or the provisions of sections 38a-836 to 38a-853, inclusive, and (2) any requirements relating to rates, rating plans, policy forms, policy cancellation and policy nonrenewal, in the same manner and to the same extent as surplus lines insurance policies issued by a surplus lines insurer domiciled in another state.
(P.A. 17-125, S. 1.)
History: P.A. 17-125 effective July 1, 2017.
2023 Connecticut General Statutes › Title 38a - Insurance › Chapter 698d - Unauthorized Insurers Act › Section 38a-272. (Formerly Sec. 38-264). - Prohibited acts of an insurance business.

No person or insurer shall directly or indirectly do any of the acts of an insurance business set forth in subsection (a) of section 38a-271 except as authorized by the general statutes. In respect to the insurance of subjects resident, located or to be performed within this state this section shall not prohibit the collection of premium or other acts performed outside of this state by persons or insurers authorized to do business in this state, provided such transactions and insurance contracts are otherwise lawful.
(1969, P.A. 561, S. 2.)
History: Sec. 38-264 transferred to Sec. 38a-272 in 1991.
Annotation to former section 38-264:
Cited. 9 CA 622.
2023 Connecticut General Statutes › Title 38a - Insurance › Chapter 698d - Unauthorized Insurers Act › Section 38a-274. (Formerly Sec. 38-268). - Failure to make payment under contract or to defend in proceedings.

In an action against an unauthorized person or insurer upon a contract of insurance issued or delivered in this state to a resident thereof or to a corporation authorized to do business therein, if the person or insurer has failed for thirty days after demand prior to the commencement of the action to make payment in accordance with the terms of the contract, and it appears to the court that such refusal was vexatious and without reasonable cause, the court may allow to the plaintiff a reasonable attorney fee and include such fee in any judgment that may be rendered in such action. Failure of the person or insurer to defend any such action shall be deemed prima facie evidence that its failure to make payment was vexatious and without reasonable cause.
(1969, P.A. 561, S. 6.)
History: Sec. 38-268 transferred to Sec. 38a-274 in 1991.
2023 Connecticut General Statutes › Title 38a - Insurance › Chapter 698d - Unauthorized Insurers Act › Section 38a-275. (Formerly Sec. 38-269). - Contracts entered into by unauthorized insurers are unenforceable.

Any contract effective in this state and entered into by an unauthorized insurer in violation of sections 38a-27 and 38a-271 to 38a-278, inclusive, shall be unenforceable by such insurer. If any such unauthorized insurer fails to pay any claim or loss within the provisions of such insurance contract, any person who assisted or in any manner aided directly or indirectly in the procurement of such insurance contract shall be liable to the insured for the full amount of such claim or loss pursuant to the provisions of such insurance contract.
(1969, P.A. 561, S. 7.)
History: Sec. 38-269 transferred to Sec. 38a-275 in 1991.
2023 Connecticut General Statutes › Title 38a - Insurance › Chapter 698d - Unauthorized Insurers Act › Section 38a-276. (Formerly Sec. 38-270). - Investigators and adjusters to report unauthorized insurers.

Every person investigating or adjusting any loss or claim on a subject of insurance in this state shall immediately report to the commissioner every insurance policy or contract which has been entered into by any insurer not authorized to transact such insurance in this state. This section does not apply to transactions in this state involving a policy lawfully solicited, written and delivered outside of this state covering only subjects of insurance not resident, located or expressly to be performed in this state at the time of issuance, and which transactions are subsequent to the issuance of such policy.
(1969, P.A. 561, S. 8.)
History: Sec. 38-270 transferred to Sec. 38a-276 in 1991.
2023 Connecticut General Statutes › Title 38a - Insurance › Chapter 698d - Unauthorized Insurers Act › Section 38a-278. (Formerly Sec. 38-272). - Penalties.

(a) Any unauthorized insurer who does any act of an insurance business as set forth in section 38a-271 shall be fined not more than fifty thousand dollars.
(b) In addition to the penalty provided in subsection (a) of this section or otherwise provided by law, any person or insurer violating section 38a-27 or 38a-271 to 38a-278, inclusive, shall be fined two thousand five hundred dollars for the first offense and an additional two thousand five hundred dollars for each month during which any such person or insurer continues such violation.
(1969, P.A. 561, S. 10; P.A. 08-178, S. 11.)
History: Sec. 38-272 transferred to Sec. 38a-278 in 1991; P.A. 08-178 amended Subsec. (a) by increasing maximum fine from $10,000 to $50,000, and amended Subsec. (b) by increasing fines from $500 to $2,500 for a first offense and from $500 to $2,500 for each month the violation is continued.
2023 Connecticut General Statutes › Title 38a - Insurance › Chapter 699 - Insurance Contracts in General › Section 38a-283. (Formerly Sec. 38-20c). - Insurance policy signatures.

Any insurer may, in an insurance policy form or endorsement, substitute the printed names of the officers duly empowered to affirm to such form or endorsement for the facsimile of such officers' signatures.
(P.A. 84-155.)
History: Sec. 38-20c transferred to Sec. 38a-283 in 1991.
2023 Connecticut General Statutes › Title 38a - Insurance › Chapter 699 - Insurance Contracts in General › Section 38a-284. (Formerly Sec. 38-157). - Insurance contracts by minors.

Any minor of the age of fifteen years or more may, notwithstanding such minority, contract for life, health and accident insurance on such minor's person for such minor's benefit or for the benefit of such minor's father, mother, spouse, child, brother or sister and may exercise all such contractual rights with respect to any such contract of insurance as might be exercised by a person of full legal age and may at any time surrender such minor's interest in any such insurance or give a valid discharge for any benefit accruing or money payable thereunder.
(1949 Rev., S. 6147; P.A. 14-235, S. 48.)
History: Sec. 38-157 transferred to Sec. 38a-284 in 1991; P.A. 14-235 made technical changes.
Annotation to former section 38-157:
Plaintiff could not take advantage of contractual rights without complying with conditions of policy. 139 C. 54.
2023 Connecticut General Statutes › Title 38a - Insurance › Chapter 699 - Insurance Contracts in General › Section 38a-285. (Formerly Sec. 38-108). - Two or more companies may issue a combination policy covering marine and transportation business.

Two or more insurance companies authorized to transact, in this state, a marine and transportation insurance business may issue combination forms of policies covering such business, using distinctive titles therefor, which titles shall appear at the head of the respective policies, followed by the titles of the several companies obligated thereunder, which policies shall be executed by the officers of each of such companies; provided, before such companies issue any such combination policy, they shall have received the express permission of the commissioner of this state to issue the same, and the titles of such proposed policies, and the terms of the additional provisions thereof, hereby authorized, shall have been approved by him, which terms shall provide substantially, under a separate title therein, to be known as “Provisions specially applicable to this combination policy”, as follows: (1) That each company executing such policy shall be liable for the full amount of any loss or damage according to the terms of the policy, or for a specific percentage thereof; (2) that service of process, or of any notices required by such policy, upon any of the companies executing the same shall be deemed to be service upon all; and provided the unearned premium liability on each policy so issued shall be maintained by each of such companies on the basis of the liability of each of the insured thereunder.
(1949 Rev., S. 6113; P.A. 13-134, S. 10.)
History: Sec. 38-108 transferred to Sec. 38a-285 in 1991; P.A. 13-134 made technical changes.
2023 Connecticut General Statutes › Title 38a - Insurance › Chapter 699 - Insurance Contracts in General › Section 38a-286. (Formerly Sec. 38-109). - Companies may insure any risks pertaining to transportation and navigation.

Section 38a-286 is repealed, effective October 1, 2002.
(1949 Rev., S. 6114; P.A. 02-89, S. 90.)
2023 Connecticut General Statutes › Title 38a - Insurance › Chapter 699 - Insurance Contracts in General › Section 38a-287. (Formerly Sec. 38-163). - Defrauding life or accident insurance companies.

Any person who obtains or attempts to obtain, from any life or accident insurance company of this state, any money on any policy of insurance issued by it, by falsely or fraudulently representing the insured person as dead or the person insured against accident as injured, or fraudulently obtains or attempts to obtain any money from such company upon a policy of insurance issued in the name of a fictitious person, shall, (1) if the sum so obtained or attempted to be obtained is two thousand dollars or more, be imprisoned not more than ten years, and (2) if such sum is less than two thousand dollars, be fined not more than ten thousand dollars or imprisoned not more than one year, or both.
(1949 Rev., S. 8711; P.A. 08-178, S. 12.)
History: Sec. 38-163 transferred to Sec. 38a-287 in 1991; P.A. 08-178 added Subdiv. designators (1) and (2), increased threshold from $100 to $2,000 and increased maximum fine from $500 to $10,000 for violation involving less than $2,000.
2023 Connecticut General Statutes › Title 38a - Insurance › Chapter 699 - Insurance Contracts in General › Section 38a-288. (Formerly Sec. 38-33). - Insurance sold in connection with installment contracts and loans.

The commissioner shall adopt regulations, in accordance with the provisions of chapter 54, governing insurance on personal property sold under installment or deferred payment contracts or on personal property pledged as security for a loan and governing any other insurance sold in connection with such installment or deferred payment contracts or loans. Such regulations may prescribe (1) the form of notice and policy to be furnished the purchaser or borrower and the prominence with which any exceptions, restrictions or limitations shall appear in such notice or policy, (2) the records to be maintained by insurance companies, (3) the manner in which single-interest and dual-interest insurance coverage may be used when written at the expense of the purchaser or borrower, (4) the right of the purchaser or borrower to notice of any change in his insurance coverage and to dividends and unearned premiums thereon, and (5) the manner in which premiums on such policies and losses or claims thereunder shall be paid or adjusted.
(1953, S. 2798d; 1957, P.A. 131, S. 1; P.A. 88-69; P.A. 13-134, S. 11.)
History: P.A. 88-69 permitted the insurance commissioner to regulate the manner in which dual-interest insurance coverage may be used when written at the expense of the purchaser or borrower; Sec. 38-33 transferred to Sec. 38a-288 in 1991; P.A. 13-134 made technical changes.
Annotation to former section 38-33:
Under department regulations, Sec. 38-33-5, there shall be no subrogation on any single interest policies. 2 Conn. Cir. Ct. 333.
2023 Connecticut General Statutes › Title 38a - Insurance › Chapter 699 - Insurance Contracts in General › Section 38a-289. (Formerly Sec. 38-28). - Contracts of reinsurance.

Contracts for reinsurance shall be deemed insurance contracts, but the hazard under such contracts is declared to be distinct in nature from the hazard originally insured. No provision of law relative to the form of insurance contracts or policies shall apply to contracts of reinsurance unless made specifically applicable thereto. Each corporation, company or association which issues in this state any contract of reinsurance shall continue to possess and be subject as to such contract to all of the provisions of its charter and of the statutes, so far as they may be applicable, except as hereinbefore provided.
(1949 Rev., S. 6086.)
History: Sec. 38-28 transferred to Sec. 38a-289 in 1991.
2023 Connecticut General Statutes › Title 38a - Insurance › Chapter 699 - Insurance Contracts in General › Section 38a-290. (Formerly Sec. 38-27). - Time limitation on suits and arbitration claims.

No insurance company doing business in this state shall limit the time within which any suit shall be brought against it or any claim shall be submitted to arbitration on (1) a fidelity or surety bond to a period less than three years from the time when the loss insured against occurs; (2) a construction performance bond to a period less than three years from the date on which the principal last performed work under the contract; (3) a construction payment bond to a period less than three years from the date on which the claimant last performed work or supplied material for which the claim is made; and (4) all other policies to a period less than one year from the time when the loss insured against occurs. This section shall not apply to suits and arbitration claims under the uninsured or underinsured motorist provisions of a motor vehicle insurance policy.
(1949 Rev., S. 6085; 1955, S. 2791d; P.A. 82-406, S. 2; P.A. 85-73; P.A. 93-77, S. 1, 4; P.A. 00-105, S. 3, 5.)
History: P.A. 82-406 prohibited time limitation on suits against insurance companies on construction performance bonds to less than three years from date on which principal last performed work, on construction payment bond to less than three years from the date on which claimant last performed work and on uninsured motorist provision of motor vehicle insurance policy to less than two years from date of accident, replacing provision which had prohibited time limitation of less than one year from time when loss occurs in all cases except those relating to fidelity or surety bonds for which existing limitation remains in effect; P.A. 85-73 provided that claims for uninsured motorist coverage must be submitted to arbitration within two years of the date of the accident; Sec. 38-27 transferred to Sec. 38a-290 in 1991; P.A. 93-77 deleted former Subdiv. (d) prohibiting an insurance company's limiting the time on bringing suit or submitting a claim to arbitration on the uninsured motorist provisions of a motor vehicle insurance policy to a period less than two years from the date of the accident, relettered former Subdiv. (e) as Subdiv. (d) and added provision that this section is not applicable to suits and arbitration claims under uninsured and underinsured motorist provisions of a motor vehicle insurance policy, effective May 20, 1993; P.A. 00-105 substituted numeric Subdiv. designators for alphabetic designators, effective July 1, 2000.
See Sec. 38a-336 re time limitation on suits and arbitration claims under uninsured or underinsured motorist provisions of a motor vehicle insurance policy.
Annotation to former section 38-27:
Time when statute begins to run on surety bonds discussed. 19 CS 257.
Annotations to present section:
Cited. 224 C. 133; Id., 145; 231 C. 938; 233 C. 437; Id., 460; Id., 474.
Cited. 34 CA 833; 36 CA 141; 44 CA 47; Id., 698.
2023 Connecticut General Statutes › Title 38a - Insurance › Chapter 699 - Insurance Contracts in General › Section 38a-291. - Life insurance owned by an employer or trust. Provisions and prohibitions. Construction.

(a)(1)(A) The trustee of any voluntary employees' beneficiary association trust, as defined in Section 501(c)(9) of the Internal Revenue Code of 1986, as from time to time amended, to provide life, health or similar benefits to employees or retired employees and acting in a fiduciary capacity with respect to those employees or retired employees may procure insurance on the lives of those employees or retired employees; (B) an employer or a trustee of a trust, other than a voluntary employees' beneficiary association trust, providing life, health, disability, retirement or similar benefits to the employer's employees or retired employees may procure insurance on the lives of those employees or retired employees; and (C) prior to procuring insurance on the lives of employees or retired employees pursuant to subparagraph (A) or (B) of this subdivision, the employer or trustee shall obtain the written consent of each employee or retired employee proposed for coverage, and such consent shall include an acknowledgment from the employee that the employer or trustee may maintain the life insurance coverage after the employee's employment has terminated.
(2) No person may retaliate against any employee or retired employee for refusing to consent to the issuance of insurance on the life of such employee.
(3) For nonkey or nonmanagerial employees, the amount of coverage shall be reasonably related to the benefits provided to those employees in the aggregate. For purposes of this section, “nonkey or nonmanagerial employees” means those employees who do not meet the criteria set forth in 29 CFR 541.1, 29 CFR 541.2 or 29 CFR 541.3.
(4) Life insurance coverage purchased to finance employer-provided pension and welfare benefit plans shall be allowed only on the lives of those employees and retirees who are eligible to participate in the plan at the time their lives are first insured under the plan.
(b) The provisions of this section shall apply to policies or contracts delivered or issued for delivery in this state.
(c) This section shall not be construed to affect or prohibit any person, trust or corporation from procuring insurance upon the life or health of another person in whom it has an insurable interest at common law.
(P.A. 92-75, S. 2; P.A. 04-24, S. 1.)
History: P.A. 04-24 designated existing provisions of Subsec. (a) as Subsec. (a)(1)(A), added new Subsec. (a)(1)(B) and (C) re employers and prior consent, added new Subsec. (a)(2) to (4), inclusive, re retaliation, nonkey and nonmanagerial employees, and insurance to finance pension and welfare benefit plans, and amended Subsec. (c) to substitute “construed” for “interpreted”.
2023 Connecticut General Statutes › Title 38a - Insurance › Chapter 699a - Readable Language in Insurance Policies › Section 38a-295. (Formerly Sec. 38-68s). - Short title: Insurance Plain Language Act.

Sections 38a-295 to 38a-300, inclusive, may be cited as the “Insurance Plain Language Act”.
(P.A. 79-300, S. 1.)
History: Sec. 38-68s transferred to Sec. 38a-295 in 1991.
2023 Connecticut General Statutes › Title 38a - Insurance › Chapter 699a - Readable Language in Insurance Policies › Section 38a-296. (Formerly Sec. 38-68t). - Definitions.

As used in sections 38a-295 to 38a-300, inclusive:
(1) “Policy” means any policy, contract, certificate, plan or agreement for life insurance, health insurance, credit life insurance, credit health insurance, annuities, certificates issued pursuant to any group insurance policy, individual personal line dwelling insurance on one to four-family units and personal line automobile insurance designed primarily for personal, family or household needs, delivered or issued for delivery in this state by any company or insurer.
(2) “Company” or “insurer” means any insurance company, fraternal benefit society, nonprofit hospital service corporation, nonprofit medical service corporation, health care center or other institution organized for the purpose of providing insurance.
(3) “Commissioner” means the Insurance Commissioner.
(P.A. 79-300, S. 2; P.A. 80-482, S. 3, 345, 348; P.A. 00-105, S. 2, 5.)
History: P.A. 80-482 abolished the department of business regulation created by P.A. 77-614 and restored insurance division as an independent department with commissioner as its head; Sec. 38-68t transferred to Sec. 38a-296 in 1991; P.A. 00-105 substituted numeric Subdiv. designators for alphabetic designators, effective July 1, 2000.
2023 Connecticut General Statutes › Title 38a - Insurance › Chapter 699a - Readable Language in Insurance Policies › Section 38a-298. (Formerly Sec. 38-68v). - Method of measurement for Flesch reading ease test score.

(a) For the purposes of section 38a-297, a Flesch reading ease test score shall be measured by the following method:
(1) For policy forms containing ten thousand words or less of text, the entire form shall be analyzed. For policy forms containing more than ten thousand words, the readability of two two hundred word samples per page may be analyzed instead of the entire form. The samples shall be separated by at least twenty printed lines;
(2) The total number of words in the text shall be counted and divided by the total number of sentences. The figure obtained shall be multiplied by a factor of 1.015;
(3) The total number of syllables shall be counted and divided by the total number of words; the figure obtained shall be multiplied by a factor of 84.6;
(4) The sum of the figures computed under subdivisions (2) and (3) of this subsection subtracted from 206.835 equals the Flesch reading ease score for the policy form.
(b) For purposes of subdivisions (2), (3) and (4) of subsection (a) of this section, the following procedures shall be used:
(1) A contraction, hyphenated word or numerals and letters, when separated by spaces, shall be counted as one word;
(2) A unit of words ending with a period, semicolon or colon, excluding headings and captions, shall be counted as a sentence;
(3) A syllable is a unit of spoken language consisting of one or more letters of a word as divided by an accepted dictionary;
(4) Where the dictionary shows two or more equally acceptable pronunciations of a word, the pronunciation containing fewer syllables shall be used;
(5) Numerals when separated by spaces may be counted as one syllable.
(c) The term “text” as used in this section includes all printed matter except the following:
(1) The name and address of the insurer, the name, number or title of the policy, the table of contents or index, captions, and subcaptions, specification pages, schedules or tables;
(2) Policy language required by any collectively bargained agreement;
(3) Any medical terminology;
(4) Words which are defined in the policy; and
(5) Any policy language required by state or federal law, regulation or governmental agency, provided the insurer identifies the language or terminology excepted by this subdivision and certifies, in writing, that the language or terminology is entitled to be excepted under this subdivision. At the option of the insurer, riders, endorsements, application and other forms made a part of the policy may be scored as separate forms or as part of the policy with which they are to be used.
(P.A. 79-300, S. 4; P.A. 05-29, S. 7; P.A. 15-118, S. 38.)
History: Sec. 38-68v transferred to Sec. 38a-298 in 1991; P.A. 05-29 made a technical change in Subsec. (b); P.A. 15-118 made a technical change in Subsec. (a)(4).
Cited. 225 C. 165.
2023 Connecticut General Statutes › Title 38a - Insurance › Chapter 699a - Readable Language in Insurance Policies › Section 38a-299. (Formerly Sec. 38-68w). - Policies to be made readable. Effective dates. Approval by commissioner.

(a) Except as provided in subsection (c) of section 38a-300, policies shall be made readable in accordance with the provisions of subsection (a) of section 38a-297 as follows:
(1) Individual personal line automobile and individual personal line dwelling policy forms filed on or after January 1, 1980, shall be readable. No policy forms providing such coverage shall be delivered or issued for delivery in this state on or after January 1, 1981, unless approved by the commissioner as readable;
(2) Individual life, health, annuity and group and individual credit life and health policies filed on or after July 1, 1980, shall be readable. No such policy forms providing such coverage shall be delivered or issued for delivery in this state on or after July 1, 1981, unless approved by the commissioner as readable;
(3) Group life, health and annuity forms and certificates of life insurance and health insurance filed on or after July 1, 1981, shall be readable. No policy forms or certificates providing such coverage shall be delivered or issued for delivery in this state on or after July 1, 1983, unless approved by the commissioner as readable;
(4) No group life, health and annuity form, or certificate issued pursuant thereto, which are delivered or issued for delivery prior to July 1, 1983, shall be renewed on or after July 1, 1983, unless such form or certificate has been filed with and approved by the commissioner as readable.
(b) Any policy form which has been authorized for issuance by the commissioner and which meets the readability requirements of sections 38a-295 to 38a-300, inclusive, need not be refiled under subsection (a) of this section, provided the insurer files in lieu thereof a list of such forms identified by form number and accompanied by a certificate as to each such form in the manner provided in subsection (c) of section 38a-297.
(c) Notwithstanding the provisions of this section and subject to the provisions of subsection (c) of section 38a-300, the provisions of subdivision (2) of subsection (a) of section 38a-297 shall apply to all policies filed on or after January 1, 1982, to all individual policies delivered or issued for delivery in this state on or after July 1, 1982, and to all group policies and certificates delivered in this state on or after July 1, 1983.
(d) The commissioner may, in his sole discretion, extend the dates in subsection (a) of this section, for periods of time not exceeding one year.
(P.A. 79-300, S. 5; P.A. 81-110, S. 2, 3.)
History: P.A. 81-110 specified effective dates for the applicability of the provisions of section 38-68u(a)(2) in new Subsec. (d) and relettered former Subsec. (c) accordingly; Sec. 38-68w transferred to Sec. 38a-299 in 1991.
Cited. 225 C. 165.
2023 Connecticut General Statutes › Title 38a - Insurance › Chapter 699a - Readable Language in Insurance Policies › Section 38a-300. (Formerly Sec. 38-68x). - Exemptions.

(a) No provision of sections 38a-295 to 38a-300, inclusive, shall be construed to increase the risk assumed by any company or insurer under policies delivered or issued for delivery by such company or insurer or to supersede the obligation of such company or insurer to comply with the provisions of any law of this state applicable to such policies.
(b) No other law of this state which establishes standards for readable language shall apply to any policy form covered under the provisions of sections 38a-295 to 38a-300, inclusive.
(c) The provisions of sections 38a-295 to 38a-300, inclusive, shall not apply to: (1) Any policy that is a security subject to federal jurisdiction; (2) any group policy covering a group of fifty or more lives at date of issue, other than a group credit life insurance policy or a group credit health insurance policy, except this shall not exempt any certificate issued pursuant to a group policy delivered or issued for delivery in this state; (3) any group annuity contract that serves as a funding vehicle for pension, profit sharing or deferred compensation plans; (4) any form used in connection with a policy delivered or issued for delivery on a policy form that has been authorized for issuance by the commissioner prior to October 1, 1979, as to such policy form, except this shall not exempt any group policy or certificate issued thereunder unless the holders of such certificates are entitled to receive a summary plan description pursuant to the terms of the Federal Employee Retirement Income Security Act of 1974; or (5) the renewal of an annuity or an individual life or health insurance policy delivered or issued for delivery prior to the date any such form must be approved by the commissioner as readable.
(P.A. 79-300, S. 6; P.A. 14-235, S. 20.)
History: Sec. 38-68x transferred to Sec. 38a-300 in 1991; P.A. 14-235 made technical changes in Subsec. (c).
2023 Connecticut General Statutes › Title 38a - Insurance › Chapter 700 - Property and Casualty Insurance › Section 38a-305. (Formerly Sec. 38-107). - Additional powers of fire insurance companies.

(a) Domestic insurance companies having power to insure against loss by fire, in addition to such other powers as they may have under their respective charters, and foreign and alien insurance companies authorized to do business in this state and having power to insure against such loss, may make insurances on any kind of property or valuable interest therein (1) against loss or damage by fire, lightning and other electrical disturbances, wind, tornado, cyclone, earthquake, hail, frost, snow, ice, weather or climatic conditions, including excess or deficiency of moisture, flood, rain or drought, rising of the waters of the ocean or its tributaries, bombardment, invasion, insurrection, riot, strikes, sabotage, war, civil war or commotion, military or usurped power, and by explosions whether fire ensues or not, except explosions of steam boilers; (2) against loss or damage by insects, disease or other causes to trees, crops or other products of the soil; (3) against loss or damage arising from the breakage or leakage of sprinklers, pumps or other apparatus erected for extinguishing fires or of water pipes or other conduits or containers; (4) against accidental injury to or by such sprinklers, pumps, apparatus, water pipes, conduits or containers; (5) against loss or damage by water entering through leaks or openings in buildings; (6) on automobiles, airplanes, seaplanes, dirigibles and other aircraft and on any valuable interest therein; (7) against loss or damage from all or any of the hazards of fire, explosion, transportation and collision and from legal liability for damage to property resulting from the maintenance and use thereof, and from burglary, theft, vandalism, malicious mischief or wrongful conversion, disposal or concealment whether or not held under a conditional sale contract or subject to chattel mortgage; (8) against intentional or other damage to, or loss of, property of any kind, real or personal; and (9) to effect reinsurances of any risks taken by them.
(b) “Loss or damage”, as used in this section, includes loss of use and occupancy, loss of rents, rental values and profits and consequential damages.
(1949 Rev., S. 6103; P.A. 90-243, S. 51.)
History: P.A. 90-243 divided the section into Subsecs., substituted “foreign” for “nonresident” and “alien” for “foreign”, and added Subdiv. indicators in the new Subsec. (a); Sec. 38-107 transferred to Sec. 38a-305 in 1991.
2023 Connecticut General Statutes › Title 38a - Insurance › Chapter 700 - Property and Casualty Insurance › Section 38a-307a. - Terrorism exclusion in condominium association master policy prohibited. Conditions re terrorism exclusion in other commercial risk insurance policy.

From July 1, 2004, until the expiration of the Terrorism Insurance Program established in the federal Terrorism Risk Insurance Act of 2002, P.L. 107-297, as amended and reauthorized from time to time, (1) for any master policy that is required to be purchased by a condominium association pursuant to section 47-83 or by a unit owners' association pursuant to section 47-255, the standard form of fire insurance policy set forth in section 38a-307 shall not exclude coverage for loss by fire or other perils insured against in the policy caused, directly or indirectly, by terrorism, as defined by the Insurance Commissioner; and (2) for any other commercial risk insurance policy, the standard form of fire insurance policy set forth in section 38a-307 may provide that the company shall not be liable for loss by fire or other perils insured against in the policy caused, directly or indirectly, by terrorism, as defined by the Insurance Commissioner, provided the premiums charged for such policy shall reflect any savings projected from the exclusion of such perils.
(P.A. 04-140, S. 1; P.A. 09-164, S. 2; P.A. 10-5, S. 8; P.A. 15-118, S. 39.)
History: P.A. 04-140 effective July 1, 2004; P.A. 09-164 added Subdiv. (1) prohibiting terrorism exclusion in a condominium association master policy, designated existing application to other commercial risk policy as Subdiv. (2) and made a technical change; P.A. 10-5 made technical changes, effective May 5, 2010; P.A. 15-118 added “and reauthorized”.
2023 Connecticut General Statutes › Title 38a - Insurance › Chapter 700 - Property and Casualty Insurance › Section 38a-309. (Formerly Sec. 38-100). - Binders for temporary insurance. Written binder as evidence of insurance on mortgaged property.

(a) Binders or other contracts for temporary insurance may be made, orally or in writing, for a period which shall not exceed sixty days, and shall be deemed to include all the terms of a standard fire insurance policy and all such applicable endorsements, approved by the commissioner, as are designated in such contract of temporary insurance, except that the cancellation clause of such standard fire insurance policy, and the clause thereof specifying the hour of the day at which the insurance shall commence, may be superseded by the express terms of such contract of temporary insurance.
(b) Notwithstanding the provisions of subsection (a) of this section, no person shall, at the time of title closing for a loan secured by a one-to-four-family residential property, refuse to accept a written binder issued by an insurer, or a duly authorized representative of an insurer, licensed to do business in this state, as evidence that hazard insurance has been procured for the mortgaged premises. The commissioner may require such binders to contain any additional information to permit such binders to comply with the reasonable requirements of the Federal National Mortgage Association or Federal Home Loan Mortgage Corporation for the purchase of mortgage loans. Nothing in this section shall be construed to prohibit a person from requiring the borrower to also furnish a receipt indicating that the annual or installment premium on such insurance policy has been paid for twelve months following the date of closing, or for less than twelve months at the option of the person.
(1949 Rev., S. 6107; P.A. 89-48, S. 1; P.A. 99-145, S. 22, 23.)
History: P.A. 89-48 increased to 60 the number of days a binder may be effective; Sec. 38-100 transferred to Sec. 38a-309 in 1991; P.A. 99-145 designated existing language as Subsec. (a) and added new Subsec. (b) re binders as evidence of hazard insurance on mortgaged premises at time of title closing, effective June 8, 1999.
Annotation to former section 38-100:
Cited. 217 C. 340.
2023 Connecticut General Statutes › Title 38a - Insurance › Chapter 700 - Property and Casualty Insurance › Section 38a-310. (Formerly Sec. 38-101). - Combination standard form of fire insurance policy.

Two or more insurers authorized to do the business of property insurance in this state may, with the approval of the commissioner, issue a combination standard form of fire insurance policy that shall contain the following provisions: (1) A provision substantially to the effect that the insurers executing such policy shall be severally liable for the full amount of any loss or damage, according to the terms of the policy, or for specified percentages or amounts thereof, aggregating the full amount of such insurance under such policy; and (2) a provision substantially to the effect that service of process, or of any notice or proof of loss required by such policy, upon any of the insurers executing such policy, shall be deemed to be service upon all such insurers.
(1949 Rev., S. 6108; P.A. 90-243, S. 49; P.A. 17-15, S. 23.)
History: P.A. 90-243 made technical corrections, substituted “alien” for “foreign” and moved phrase “in this state”; Sec. 38-101 transferred to Sec. 38a-310 in 1991; P.A. 17-15 redesignated existing Subsecs. (a) and (b) as Subdivs. (1) and (2) and made technical changes.
2023 Connecticut General Statutes › Title 38a - Insurance › Chapter 700 - Property and Casualty Insurance › Section 38a-311. (Formerly Sec. 38-102). - Forms of supplemental contracts or extended coverage endorsements.

The commissioner may approve appropriate forms of supplemental contract or contracts or extended coverage endorsements and additional contracts or endorsements, in addition to the perils covered under a standard fire insurance policy, and their use in connection with a standard fire insurance policy. The first page of the policy may, in form approved by the commissioner, be rearranged to provide space for the listing of amounts of insurance, rates and premiums for the basic coverages insured under the standard form of policy and for additional coverages or perils insured under supplemental or additional contracts or endorsements, and such other data as may be conveniently included for duplication on daily reports for office records.
(1949 Rev., S. 6109; 1953, S. 2823d; P.A. 17-15, S. 24.)
History: Sec. 38-102 transferred to Sec. 38a-311 in 1991; P.A. 17-15 made technical changes.
Annotation to former section 38-102:
Homeowners' policy, which excluded liability for articles covered by more specific insurance, upheld. 2 Conn. Cir. Ct. 112.
2023 Connecticut General Statutes › Title 38a - Insurance › Chapter 700 - Property and Casualty Insurance › Section 38a-312. (Formerly Sec. 38-103). - Renewal certificates.

Nothing contained in sections 38a-306 to 38a-311, inclusive, shall be construed to prohibit the renewal of any policy conforming to the requirements of said sections by the issuance of a renewal certificate, subject to such regulations as the commissioner may prescribe.
(1949 Rev., S. 6110.)
History: Sec. 38-103 transferred to Sec. 38a-312 in 1991.
2023 Connecticut General Statutes › Title 38a - Insurance › Chapter 700 - Property and Casualty Insurance › Section 38a-313. (Formerly Sec. 38-104). - Replacement insurance.

Nothing contained in section 38a-307 shall be construed to preclude insurance indemnifying the insured against the amount actually expended, in excess of actual cash value at the time any loss or damage occurs, to repair, rebuild or replace the insured property.
(1949 Rev., S. 6111.)
History: Sec. 38-104 transferred to Sec. 38a-313 in 1991.