reglab/statecodes huggingface dataset:
2023 Maryland Statutes › Insurance › Title 10 - Regulation of Insurance Professions › Subtitle 4 - Public Adjusters › Section 10-416 - Reports

(a)    (1)    A public adjuster shall report to the Commissioner, within 30 days after the final disposition of the matter, any administrative action taken against the public adjuster in another jurisdiction, or by another governmental unit in the State.
(2)    The report shall include:
(i)    a copy of any order;
(ii)    any consent to an order; and
(iii)    any other relevant legal documents.
(b)    (1)    Within 30 days after the initial pretrial hearing date, a public adjuster shall report to the Commissioner any criminal prosecution of the public adjuster undertaken in any jurisdiction.
(2)    The report shall include:
(i)    a copy of the initial filed complaint;
(ii)    any order resulting from the hearing; and
(iii)    any other relevant legal documents.
2023 Maryland Statutes › Insurance › Title 10 - Regulation of Insurance Professions › Subtitle 5 - Vehicle Damage Adjusters and Appraisers › Section 10-501 - "Adjuster" or "Appraiser" Defined

In this subtitle, “adjuster” or “appraiser” means a person that:
(1)    is employed by an insurer as, solicits business as, or represents to an insurer that the person is an adjuster or appraiser of claims for loss or damage covered by a motor vehicle insurance policy; or
(2)    under a contract, performs adjustments or appraisals for loss or damage covered by another form of security provided for under § 17-103(a)(2) of the Transportation Article.
2023 Maryland Statutes › Insurance › Title 10 - Regulation of Insurance Professions › Subtitle 5 - Vehicle Damage Adjusters and Appraisers › Section 10-502 - Effect of Subtitle

This subtitle does not:
(1)    require an insurer to pay an amount for motor vehicle repair services or repair products necessary to properly and fairly repair a motor vehicle that is greater than the usual and customary charges for equivalent services or products charged by similar contractors or repair shops within a reasonable geographic or trade area of the address of the claimant or insured; or
(2)    prohibit an insurer from requiring a claimant or an insured to obtain an appraisal by driving a damaged motor vehicle to a facility that is owned or leased by or under contract to the insurer and is used exclusively for damage appraisals.
2023 Maryland Statutes › Insurance › Title 10 - Regulation of Insurance Professions › Subtitle 5 - Vehicle Damage Adjusters and Appraisers › Section 10-503 - Prohibited Acts

(a)    An adjuster, appraiser, or insurance producer or employee of an insurer may not:
(1)    recommend the use of a specific repair service or source for the repair or replacement of property damage to a motor vehicle without informing the claimant or insured that the claimant or insured does not have to use the recommended repair service or source;
(2)    require that an appraisal or repair be made in a specific repair shop;
(3)    require that a claimant or insured use a specific contractor or repair shop for a repair service or repair product; or
(4)    intimidate, coerce, or threaten a claimant or insured to use a specific contractor or repair shop for a repair service or repair product.
(b)    An adjuster or appraiser may not accept a gratuity or other form of remuneration from a repair service for recommending that repair service to a claimant or insured.
2023 Maryland Statutes › Insurance › Title 10 - Regulation of Insurance Professions › Subtitle 5 - Vehicle Damage Adjusters and Appraisers › Section 10-504 - Penalties

A person that intentionally violates this subtitle is subject to:
(1)    a civil penalty not exceeding $1,000 for each violation; and
(2)    denial, suspension, or revocation of any license held under this article.
2023 Maryland Statutes › Insurance › Title 10 - Regulation of Insurance Professions › Subtitle 6 - Motor Vehicle Rental Companies › Section 10-601 - Definitions

(a)    In this subtitle the following words have the meanings indicated.
(b)    “Authorized representative” means an independent contractor of a motor vehicle rental company.
(c)    (1)    “Motor vehicle rental company” means any person that is in the business of providing motor vehicles to the public under a rental agreement for a period of 180 days or less.
(2)    “Motor vehicle rental company” does not include a peer–to–peer car sharing program as defined in § 19–520 of this article.
(d)    “Rental agreement” means any written agreement containing the terms and conditions that govern the use of a vehicle provided by a motor vehicle rental company under the provisions of Title 18 of the Transportation Article.
(e)    “Renter” means any person obtaining the use of a vehicle from a motor vehicle rental company under the terms of a rental agreement.
(f)    “Vehicle” means a motor vehicle:
(1)    of the private passenger type, including passenger vans, minivans, and sport utility vehicles; or
(2)    of the cargo type, including cargo vans, pickup trucks, and trucks that do not require the operator to possess a commercial driver’s license.
2023 Maryland Statutes › Insurance › Title 10 - Regulation of Insurance Professions › Subtitle 6 - Motor Vehicle Rental Companies › Section 10-603 - Limited Lines License to Sell Rental Vehicle Insurance -- Conditions of Issuance

(a)    The Commissioner shall issue to a motor vehicle rental company, or a franchisee of a motor vehicle rental company, a limited lines license authorizing the motor vehicle rental company to offer or sell insurance in connection with, and incidental to, the rental of a vehicle if the motor vehicle rental company:
(1)    meets the requirements of § 10-604 of this subtitle;
(2)    pays the fees for insurance producers required under § 2-112 of this article that are applicable to an insurance producer license; and
(3)    submits to the Commissioner any additional information or documentation that the Commissioner requires, including any information or documentation to determine the professional competence, good character, and trustworthiness of the motor vehicle rental company.
(b)    A limited lines license to sell insurance in connection with, and incidental to, the rental of a vehicle issued under this subtitle is subject to the same term and renewal conditions specified for an insurance producer license under § 10–115 of this title.
2023 Maryland Statutes › Insurance › Title 10 - Regulation of Insurance Professions › Subtitle 6 - Motor Vehicle Rental Companies › Section 10-605 - Limited Lines License to Sell Rental Vehicle Insurance -- Primary Nature of Policy Sold Thereunder

(a)    Except as provided in subsection (b) of this section, an insurance policy sold in connection with, and incidental to, the rental of a vehicle under the provisions of this subtitle is primary to any other valid and collectible coverage.
(b)    Any insurance sold to a renter under the provisions of this subtitle is not primary to the coverages provided by the motor vehicle rental company on the rental vehicle under § 17-103(b) of the Transportation Article.
2023 Maryland Statutes › Insurance › Title 10 - Regulation of Insurance Professions › Subtitle 6 - Motor Vehicle Rental Companies › Section 10-606 - Limited Lines License to Sell Rental Vehicle Insurance -- Suspension, Revocation, or Other Penalties

(a)    The Commissioner may suspend, revoke, or refuse to renew a limited lines license to sell insurance in connection with, and incidental to, the rental of a vehicle issued under this subtitle after notice and opportunity for a hearing under Title 2, Subtitle 2 of this article if the motor vehicle rental company or an employee or authorized representative of the motor vehicle rental company has:
(1)    willfully violated this article or another law of the State that relates to insurance;
(2)    operated without a limited lines license to sell insurance in connection with, and incidental to, the rental of a motor vehicle as required under this subtitle;
(3)    failed to provide required disclosures;
(4)    offered or sold unapproved insurance products;
(5)    failed to hold an appointment with the insurer;
(6)    failed to train employees and authorized representatives selling or soliciting, or negotiating the sale of, insurance products on behalf of the motor vehicle rental company; or
(7)    misrepresented pertinent facts or policy provisions that relate to the coverage offered or sold pursuant to this subtitle.
(b)    A motor vehicle rental company and its employees and authorized representatives may not advertise, represent, or otherwise hold itself out as an authorized insurer, or as an insurance producer, for any kind or subdivision of insurance.
(c)    Instead of, or in addition to, suspending or revoking the limited lines license to sell insurance in connection with, and incidental to, the rental of a vehicle, the Commissioner may:
(1)    impose on the motor vehicle rental company a penalty of not less than $100 but not more than $2,500 for each violation of this subtitle; and
(2)    require that restitution be made to any person who has suffered financial injury because of the violation of this article.
2023 Maryland Statutes › Insurance › Title 10 - Regulation of Insurance Professions › Subtitle 6 - Motor Vehicle Rental Companies › Section 10-607 - Regulations

The Commissioner may adopt regulations to carry out the provisions of this subtitle, including regulations concerning the form and content of required disclosures to renters, the training requirements for employees and authorized representatives of motor vehicle rental companies, and the qualifications of the individuals who provide training for employees and authorized representatives of motor vehicle rental companies.
2023 Maryland Statutes › Insurance › Title 10 - Regulation of Insurance Professions › Subtitle 6A - Peer-to-Peer Car Sharing Programs › Section 10-6A-01 - Definitions

(a)    In this subtitle the following words have the meanings indicated.
(b)    “Authorized representative” means an independent contractor of a peer–to–peer car sharing program.
(c)    “Car sharing period” has the meaning stated in § 19–520 of this article.
(d)    “Peer–to–peer car sharing program” means a peer–to–peer car sharing program, as defined in § 19–520 of this article, that sells or offers a motor vehicle liability insurance policy issued by an insurer under § 19–520 of this article.
(e)    “Peer–to–peer car sharing program agreement” has the meaning stated in § 19–520 of this article.
(f)    “Shared vehicle driver” has the meaning stated in § 19–520 of this article.
(g)    “Vehicle” means a motor vehicle:
(1)    of the private passenger type, including passenger vans, minivans, and sport utility vehicles; or
(2)    of the cargo type, including cargo vans, pickup trucks, and trucks that do not require the operator to possess a commercial driver’s license.
2023 Maryland Statutes › Insurance › Title 10 - Regulation of Insurance Professions › Subtitle 6A - Peer-to-Peer Car Sharing Programs › Section 10-6A-03 - Requirements for Issuance of Limited Lines License

(a)    The Commissioner shall issue to a peer–to–peer car sharing program, or a franchisee of a peer–to–peer car sharing program, a limited lines license authorizing the peer–to–peer car sharing program to offer or sell insurance in connection with, and incidental to, a peer–to–peer car sharing program agreement if the peer–to–peer car sharing program:
(1)    meets the requirements of § 10–6A–04 of this subtitle;
(2)    pays the fees for insurance producers required under § 2–112 of this article that are applicable to an insurance producer license; and
(3)    submits to the Commissioner any additional information or documentation that the Commissioner requires, including any information or documentation needed to determine the professional competence, good character, and trustworthiness of the peer–to–peer car sharing program.
(b)    A limited lines license to sell insurance in connection with, and incidental to, the peer–to–peer car sharing of a motor vehicle issued under this subtitle is subject to the same term and renewal conditions specified for an insurance producer license under § 10–115 of this title.
2023 Maryland Statutes › Insurance › Title 10 - Regulation of Insurance Professions › Subtitle 6A - Peer-to-Peer Car Sharing Programs › Section 10-6A-05 - Policy to Be Primary to Other Coverage; Exception

(a)    Except as provided in subsection (b) of this section, an insurance policy sold in connection with, and incidental to, a peer–to–peer car sharing program agreement under the provisions of this subtitle is primary to any other valid and collectible coverage.
(b)    Any insurance sold to a shared vehicle driver under the provisions of this subtitle is not primary to the coverage provided by the peer–to–peer car sharing program under § 19–520(d)(1) of this article.
2023 Maryland Statutes › Insurance › Title 10 - Regulation of Insurance Professions › Subtitle 6A - Peer-to-Peer Car Sharing Programs › Section 10-6A-06 - Refusal to Issue or Suspension, Revocation, or Refusal to Renew License

(a)    The Commissioner may refuse to issue a limited lines license or suspend, revoke, or refuse to renew a limited lines license to sell insurance in connection with, and incidental to, a peer–to–peer car sharing program agreement issued under this subtitle after notice and opportunity for a hearing under Title 2, Subtitle 2 of this article if the peer–to–peer car sharing program or an employee or authorized representative of the peer–to–peer car sharing program has:
(1)    willfully violated this article or another State law that relates to insurance;
(2)    operated without a limited lines license to sell insurance in connection with, and incidental to, a peer–to–peer car sharing program agreement as required under this subtitle;
(3)    failed to provide required disclosures;
(4)    offered or sold unapproved insurance products;
(5)    failed to hold an appointment with the insurer;
(6)    failed to train employees and authorized representatives selling or soliciting, or negotiating the sale of, insurance products on behalf of the peer–to–peer car sharing program; or
(7)    misrepresented pertinent facts or policy provisions that relate to the coverage offered or sold under this subtitle.
(b)    A peer–to–peer car sharing program and its employees and authorized representatives may not advertise, represent, or otherwise hold itself out as an authorized insurer, or as an insurance producer, for any kind or subdivision of insurance.
(c)    Instead of, or in addition to, suspending or revoking a limited lines license to sell insurance in connection with, and incidental to, a peer–to–peer car sharing program agreement, the Commissioner may:
(1)    impose on the peer–to–peer car sharing program a penalty of not less than $100 but not more than $2,500 for each violation of this subtitle; and
(2)    require that restitution be made to any person who has suffered financial injury because of the violation of this article.
2023 Maryland Statutes › Insurance › Title 10 - Regulation of Insurance Professions › Subtitle 6A - Peer-to-Peer Car Sharing Programs › Section 10-6A-07 - Regulations

The Commissioner may adopt regulations to carry out the provisions of this subtitle, including regulations concerning:
(1)    the form and content of required disclosures to shared vehicle drivers;
(2)    the training requirements for employees and authorized representatives of a peer–to–peer car sharing program; and
(3)    the qualifications of the individuals who provide training for employees and authorized representatives of a peer–to–peer car sharing program.
2023 Maryland Statutes › Insurance › Title 10 - Regulation of Insurance Professions › Subtitle 7 - Portable Electronics Vendors › Section 10-702 - Scope

This subtitle does not apply to:
(1)    a service contract governed by Title 14, Subtitle 4 of the Commercial Law Article that does not include coverage for loss by disappearance or theft;
(2)    a policy of insurance covering a seller’s or a manufacturer’s obligations under a warranty; or
(3)    a homeowner’s, renter’s, motor vehicle, or similar policy that covers loss or theft of portable electronics.
2023 Maryland Statutes › Insurance › Title 10 - Regulation of Insurance Professions › Subtitle 7 - Portable Electronics Vendors › Section 10-703 - Selling Coverage Under Portable Electronics Insurance Policy

(a)    A vendor shall hold a limited lines license to sell coverage under a policy of portable electronics insurance before the vendor or the employees of or authorized representatives of the vendor may sell or offer to sell coverage under a policy of portable electronics insurance to a customer.
(b)    A limited lines license issued under this subtitle shall also authorize any salaried or hourly employee or authorized representative of the vendor to sell coverage under a policy of portable electronics insurance to a customer only if the employee or authorized representative is:
(1)    trained under § 10–705 of this subtitle to act on behalf of the vendor; and
(2)    acting under the supervision of the vendor.
(c)    The acts of an employee or authorized representative offering to sell or selling coverage under a policy of portable electronics insurance shall be deemed the acts of the vendor for the purposes of this subtitle.
(d)    (1)    A vendor may bill and collect premiums from covered customers for coverage under a policy of portable electronics insurance.
(2)    A vendor that bills and collects premiums under this section is not required to maintain the premiums collected in a segregated account if:
(i)    the vendor’s appointing insurer agrees in writing that segregation of funds is not required;
(ii)    the vendor remits the funds collected to the appointing insurer or that insurer’s appointed insurance producer within 60 days after receipt; and
(iii)    the funds received by the vendor from a covered customer for the sale of portable electronics insurance are held in trust by the vendor in a fiduciary capacity for the benefit of the vendor’s appointing insurer.
(3)    (i)    Except as provided in subparagraph (ii) of this paragraph, the premiums for coverage under a policy of portable electronics insurance shall be separately itemized from the charges for the purchase or lease of the portable electronics.
(ii)    If portable electronics insurance coverage is included in the price of the purchase or lease of portable electronics or related services, the vendor shall provide clear and conspicuous written notice to the customer that the portable electronics insurance coverage is included with the portable electronics or related services.
(e)    (1)    A vendor may receive compensation for billing and collection services under a policy of portable electronics insurance.
(2)    A vendor or an authorized representative of the vendor may compensate the employees of the vendor or of the authorized representative in a manner that does not depend solely on the sale of portable electronics insurance.
2023 Maryland Statutes › Insurance › Title 10 - Regulation of Insurance Professions › Subtitle 7 - Portable Electronics Vendors › Section 10-704 - Limited Lines License

(a)    The Commissioner shall issue to a vendor a limited lines license authorizing the vendor to sell or offer to sell coverage under a policy of portable electronics insurance to a customer if the vendor:
(1)    meets the requirements of § 10–705 of this subtitle;
(2)    pays the fees for insurance producers required under § 2–112 of this article that are applicable to an insurance producer license; and
(3)    submits to the Commissioner a sworn application for a limited lines license under this subtitle on the form required by the Commissioner.
(b)    (1)    Subject to paragraph (2) of this subsection, a vendor shall provide the name, residence address, and any other information required by the Commissioner for an officer or employee of the vendor who is designated by the vendor as the person responsible for the vendor’s compliance with the requirements of this subtitle.
(2)    If the vendor derived more the 25% of its total revenue in the preceding year from the sale of portable electronics insurance, the vendor shall provide the information required in paragraph (1) of this subsection for all officers, directors, and shareholders of record under the federal securities law.
(c)    (1)    The supervising entity shall maintain a registry of all vendor locations that are authorized to sell or offer portable electronics insurance coverage in the State.
(2)    On request by the Commissioner, the registry shall be open to inspection and examination no later than 10 days after the request.
(d)    A limited lines license under this subtitle is subject to the same term and renewal conditions that are specified for an insurance producer license under § 10–115 of this title.
2023 Maryland Statutes › Insurance › Title 10 - Regulation of Insurance Professions › Subtitle 7 - Portable Electronics Vendors › Section 10-707 - Limited Lines License -- Suspension, Revocation, or Refusal to Renew

(a)    The Commissioner may suspend, revoke, or refuse to renew a limited lines license issued under this subtitle after notice and opportunity for a hearing under Title 2, Subtitle 2 of this article if the vendor or an employee or authorized representative of the vendor has:
(1)    willfully violated this article or another law of the State that relates to insurance;
(2)    operated without a limited lines license as required under this subtitle;
(3)    failed to provide the disclosures required under § 10–705 of this subtitle;
(4)    offered or sold unapproved insurance products;
(5)    failed to hold an appointment with an insurer;
(6)    failed to train employees or authorized representatives as required under § 10–705 of this subtitle; or
(7)    misrepresented pertinent facts or policy provisions concerning a policy of portable electronics insurance.
(b)    A vendor and the employees and authorized representatives of the vendor may not advertise, represent, or otherwise hold themselves out as an authorized insurer or as an insurance producer for any kind or subdivision of insurance, except as provided in this subtitle.
(c)    Instead of, or in addition to, suspending or revoking a limited lines license issued under this subtitle, the Commissioner may:
(1)    impose on the vendor a penalty of not more than $2,500 for each violation of this subtitle; and
(2)    require that restitution be made to any person who has suffered financial injury because of a violation of this subtitle.
2023 Maryland Statutes › Insurance › Title 10 - Regulation of Insurance Professions › Subtitle 7 - Portable Electronics Vendors › Section 10-708 - Regulations

The Commissioner may adopt regulations to carry out this subtitle, including regulations concerning:
(1)    the form and content of required disclosures to customers;
(2)    the training requirements for employees and authorized representatives of vendors; and
(3)    the qualifications of the individuals who provide training.
2023 Maryland Statutes › Insurance › Title 10 - Regulation of Insurance Professions › Subtitle 8 - Self-Service Storage Producers › Section 10-801 - Definitions

(a)    In this subtitle the following words have the meanings indicated.
(b)    “Authorized representative” means an independent contractor of an owner of a self–service storage facility.
(c)    “Business entity” has the meaning stated in § 5–511 of this article.
(d)    “Designated responsible producer” means an individual who:
(1)    holds a limited lines license under this subtitle; and
(2)    is designated by the owner as responsible for the owner’s compliance with insurance laws, rules, and regulations of the State.
(e)    “Occupant” means a person or the person’s sublessee, successor, or assignee who is entitled to the use of a leased space at a self–service storage facility.
(f)    “Owner” means the owner of a self–service storage facility.
(g)    (1)    “Personal property” means movable property that is not affixed to land.
(2)    “Personal property” includes:
(i)    goods, wares, merchandise, household items, and furnishings;
(ii)    a vehicle, as defined in § 11–176 of the Transportation Article; and
(iii)    watercraft and motorized watercraft.
(h)    “Self–service storage facility” means any real property that is used for renting or leasing storage space in which the occupants themselves customarily store and remove personal property on a self–service basis.
(i)    “Self–service storage producer” means:
(1)    an owner of a self–storage facility who holds a limited lines license under this subtitle; or
(2)    a designated responsible producer.
2023 Maryland Statutes › Insurance › Title 10 - Regulation of Insurance Professions › Subtitle 8 - Self-Service Storage Producers › Section 10-802 - License Required; Exception

(a)    The Commissioner shall issue a limited lines license as a self–service storage producer to:
(1)    an owner of a self–service storage facility who meets the requirements of this subtitle; and
(2)    an individual who:
(i)    is designated by the owner as responsible for the owner’s compliance with insurance laws, rules, and regulations of the State; and
(ii)    meets the requirements of this subtitle.
(b)    A limited lines license as a self–service storage producer authorizes the licensee to offer or sell insurance only:
(1)    in connection with and incidental to the rental of storage space at a self–service storage facility on a master, a corporate, a commercial, a group, or an individual policy basis; and
(2)    with respect to personal property insurance that provides coverage to occupants at the self–service storage facility, for the loss of or damage to stored personal property that occurs at the self–service storage facility.
(c)    An owner of a self–service storage facility may not offer or sell insurance under this subtitle unless the owner, as a business entity:
(1)    holds a limited lines license under this subtitle; and
(2)    has a designated responsible producer.
(d)    An owner of a self–service storage facility is not required to be licensed under this subtitle merely to display and make available to prospective occupants brochures and other promotional materials created by or on behalf of an authorized insurer provided that the owner does not engage in the sale, solicitation, or negotiation of insurance advertised in the brochures and promotional materials.
2023 Maryland Statutes › Insurance › Title 10 - Regulation of Insurance Professions › Subtitle 8 - Self-Service Storage Producers › Section 10-803 - Application

(a)    An applicant for a limited lines license as a self–service storage  producer shall file a written application with the Commissioner in the form the Commissioner requires.
(b)    The application shall include:
(1)    the physical address of the company headquarters of the self–service storage  producer; and
(2)    a list of all self–service storage facilities where the self–service storage  producer will conduct business under the limited lines license.
2023 Maryland Statutes › Insurance › Title 10 - Regulation of Insurance Professions › Subtitle 8 - Self-Service Storage Producers › Section 10-804 - Separate Licenses Not Required; Notification of Locations

(a)    A self–service storage  producer is not required to have a separate limited lines license for each self–service storage facility where insurance is offered or sold.
(b)    A self–service storage  producer shall notify the Commissioner of:
(1)    any additional locations of self–service storage facilities in the State where the self–service storage  producer will do business under the limited lines license within 30 days after commencing business at those locations; and
(2)    those locations of self–service storage facilities in the State where the self–service storage  producer will cease to do business under the limited lines license within 30 days after ceasing business at those locations.
2023 Maryland Statutes › Insurance › Title 10 - Regulation of Insurance Professions › Subtitle 8 - Self-Service Storage Producers › Section 10-806 - General Requirements

A self–service storage producer may not offer or sell insurance under this subtitle unless:
(1)    the self–service storage producer makes readily available to prospective occupants brochures or other written materials that:
(i)    summarize the material terms of insurance coverage offered to occupants, including the identity of the insurer and the price, benefits, deductibles, exclusions, and conditions of the insurance;
(ii)    disclose that the policies offered by the self–service storage producer may provide coverage that is comparable to coverage already provided by an occupant’s homeowner’s insurance policy, renter’s insurance policy, vehicle insurance policy, watercraft insurance policy, or other type of property insurance coverage;
(iii)    state whether the purchase of coverage under a policy offered under this subtitle would make the coverage primary to any other coverage, including duplicate coverage;
(iv)    state that the purchase of insurance coverage is not required as a condition of rental at a self–service storage facility if the occupant presents evidence of other applicable insurance coverage;
(v)    describe the process for filing a claim; and
(vi)    include contact information for filing a complaint with the Commissioner;
(2)    all costs related to the insurance are stated in writing;
(3)    evidence of coverage in a form approved by the Commissioner is provided to each occupant who purchases the coverage;
(4)    the insurance is provided by an insurer authorized to transact the applicable kinds of insurance in the State; and
(5)    as a condition of the sale of insurance, the self–service storage producer:
(i)    requires the occupant to execute a document acknowledging the amount of coverage under the policy purchased; and
(ii)    if the occupant has contents in the leased space of a value greater than the coverage under the policy:
1.    advises the occupant in writing to contact a property and casualty insurance producer licensed under Subtitle 1 of this title to obtain additional coverage to reflect the value of the contents in the leased space; and
2.    requires the occupant to acknowledge receipt of the notice under item 1 of this item.
2023 Maryland Statutes › Insurance › Title 10 - Regulation of Insurance Professions › Subtitle 8 - Self-Service Storage Producers › Section 10-807 - Responsibilities for Employees or Authorized Representatives

(a)    An employee or authorized representative of a self–service storage producer may act on behalf of and under the supervision of the self–service storage producer in matters relating to the conduct of business under a limited lines license issued under this subtitle if the employee or authorized representative receives the training under § 10–808 of this subtitle.
(b)    The conduct of an employee or authorized representative of a self–service storage producer acting within the scope of employment or agency is considered to be the conduct of the self–service storage producer for purposes of this subtitle.
(c)    The designated responsible producer:
(1)    is responsible for the acts of the employees or authorized representatives of the owner who offer or sell limited lines insurance, as authorized under this subtitle, on behalf of the owner;
(2)    shall use reasonable means to ensure compliance by the employees or authorized representatives with this subtitle;
(3)    shall maintain a register, on a form the Commissioner requires, of each employee or authorized representative of the owner who offers limited lines insurance on behalf of the owner; and
(4)    shall submit the register for inspection by the Commissioner within 30 days after receiving a request by the Commissioner for inspection.
2023 Maryland Statutes › Insurance › Title 10 - Regulation of Insurance Professions › Subtitle 8 - Self-Service Storage Producers › Section 10-808 - Training Program

(a)    Each self–service storage producer shall provide a training program approved by the Commissioner for employees and authorized representatives of the self–service storage producer.
(b)    The training program required by subsection (a) of this section shall:
(1)    include general information about homeowners, renters, business, and similar insurance that an occupant may have that may provide coverage for property located in a self–storage facility;
(2)    include information about the material terms of insurance coverage offered to occupants under this subtitle, including the price, benefits, deductibles, exclusions, and conditions of the insurance;
(3)    provide basic instruction about the provisions of this subtitle; and
(4)    include any other information the Commissioner may require.
2023 Maryland Statutes › Insurance › Title 10 - Regulation of Insurance Professions › Subtitle 8 - Self-Service Storage Producers › Section 10-809 - Prohibited Acts

A self–service storage producer or any of its employees or authorized representatives may not:
(1)    offer or sell insurance except in connection with and incidental to the rental of space at a self–service storage facility; or
(2)    advertise, represent, or otherwise hold themselves out as authorized insurers or licensed insurance producers.
2023 Maryland Statutes › Insurance › Title 10 - Regulation of Insurance Professions › Subtitle 8 - Self-Service Storage Producers › Section 10-810 - Suspensions Of, Revocations Of, or Refusals to Renew Licenses

(a)    The Commissioner may suspend, revoke, or refuse to renew a limited lines license issued under this subtitle after notice and opportunity for a hearing under Title 2, Subtitle 2 of this article if the self–service storage producer or an employee or authorized representative of the self–service storage producer who offers or sells limited lines insurance on behalf of the self–service storage producer has:
(1)    willfully violated this article or another law of the State that relates to insurance;
(2)    operated without a limited lines license as required under this subtitle;
(3)    failed to provide the disclosures required under § 10–806 of this subtitle;
(4)    offered or sold unapproved insurance products;
(5)    failed to train employees or authorized representatives as required under § 10–808 of this subtitle; or
(6)    misrepresented pertinent facts or policy provisions concerning a policy for a self–service storage facility.
(b)    Instead of, or in addition to, suspending or revoking a limited lines license issued under this subtitle, the Commissioner may:
(1)    impose on the self–service storage producer a penalty of not more than $2,500 for each violation of this subtitle; and
(2)    require that restitution be made to any person who has suffered financial injury because of a violation of this subtitle.
2023 Maryland Statutes › Insurance › Title 10 - Regulation of Insurance Professions › Subtitle 8 - Self-Service Storage Producers › Section 10-811 - Subtitle Not Construed to Prohibit Commissions, Service Fees, or Other Consideration

This subtitle may not be construed to prohibit:
(1)    an insurer from paying and a self–service storage producer from receiving a commission, service fee, or any other valuable consideration dependent on the sale of insurance; or
(2)    the payment of compensation by the self–service storage producer to an employee or authorized representative who offers or sells limited lines insurance that is incidental to the employee’s or authorized representative’s overall compensation and not dependent on the sale of insurance.
2023 Maryland Statutes › Insurance › Title 10 - Regulation of Insurance Professions › Subtitle 8 - Self-Service Storage Producers › Section 10-812 - Regulations

The Commissioner may adopt regulations to carry out this subtitle, including regulations concerning:
(1)    the form and content of required disclosures to customers;
(2)    the training requirements for employees or authorized representatives who offer or sell limited lines insurance under this subtitle; and
(3)    the qualifications of the individuals who provide the training required under § 10–808 of this subtitle.
2023 Maryland Statutes › Insurance › Title 11 - Insurance Rating Law › Subtitle 1 - Definitions › Section 11-101 - Definitions

(a)    In this title the following words have the meanings indicated.
(b)    “Advisory organization” means a group, association, or other organization of insurers, located within or outside the State, that helps insurers that make their own filings or rating organizations in rate making, by collecting and providing loss or expense statistics or by submitting recommendations, but that does not make filings under this title.
(c)    “Rate” means rate of premium, policy or membership fee, or another charge made by an insurer for or in connection with an insurance contract or policy.
(d)    “Rating organization” means a person licensed under § 11-218 of this title.
(e)    “Supplementary rate information” includes a manual or plan of rates, statistical plan, classification, rating schedule, minimum premium, policy fee, rating rule, rate-related underwriting rule, minimum rate, class rate, rating plan, manual or schedule of rates or premiums, rule or regulation that governs the setting or making of rates or premiums, and any other information, not otherwise inconsistent with the purposes of this title, that the Commissioner requires by regulation.
(f)    “Working day” means a day when the Administration is open for business.
2023 Maryland Statutes › Insurance › Title 11 - Insurance Rating Law › Subtitle 2 - Prior Approval Rate Making › Part I - General Provisions › Section 11-201 - Purposes, Intent, and Interpretation of Subtitle

(a)    The purposes of this subtitle are:
(1)    to promote the public welfare by regulating insurance rates so that they are not excessive, inadequate, or unfairly discriminatory; and
(2)    to authorize and regulate cooperative action among insurers in rate making and in other matters within the scope of this subtitle.
(b)    This subtitle is not intended:
(1)    to prohibit or discourage reasonable competition; or
(2)    to prohibit or, except to the extent necessary to accomplish the purposes stated in subsection (a) of this section, to encourage uniformity in insurance rates, rating systems, rating plans, or rating practices.
(c)    This subtitle shall be interpreted liberally to carry out the provisions of this section.
2023 Maryland Statutes › Insurance › Title 11 - Insurance Rating Law › Subtitle 2 - Prior Approval Rate Making › Part I - General Provisions › Section 11-202 - Scope of Subtitle

(a)    (1)    This subtitle applies to all types of insurers.
(2)    Except as provided in subsection (b) of this section, this subtitle applies to:
(i)    property insurance;
(ii)    casualty insurance;
(iii)    surety insurance;
(iv)    marine insurance; and
(v)    wet marine and transportation insurance.
(b)    This subtitle does not apply to:
(1)    reinsurance, except as provided in § 11–222 of this subtitle;
(2)    insurance of vessels or craft or their cargoes, marine protection and indemnity insurance, or insurance of other risks commonly insured under policies of marine insurance, as distinguished from inland marine insurance;
(3)    insurance against loss of or damage to aircraft including their accessories and equipment, or insurance against liability, other than workers’ compensation insurance or employer’s liability insurance, arising out of the ownership, maintenance, or use of aircraft; or
(4)    title insurance, except for §§ 11–218 through 11–227 of this subtitle.
(c)    If a kind of insurance, subdivision or combination of kinds of insurance, or type of coverage is subject to this subtitle and is also subject to regulation by another rate regulatory provision of the statutes of the State, an insurer to which both provisions are otherwise applicable shall file with the Commissioner a designation as to which rate regulatory provision is applicable to it with respect to that kind of insurance, subdivision or combination of kinds of insurance, or type of coverage.
2023 Maryland Statutes › Insurance › Title 11 - Insurance Rating Law › Subtitle 2 - Prior Approval Rate Making › Part II - Rate Making -- in General › Section 11-205 - Rate Making Principles Generally

(a)    All rates shall be made in accordance with the principles set forth in this section.
(b)    Uniformity among insurers in matters within the scope of this subtitle is neither required nor prohibited.
(c)    Due consideration shall be given to:
(1)    past and prospective loss experience within and outside the State;
(2)    conflagration and catastrophe hazards, if any;
(3)    past and prospective expenses, both countrywide and those specially applicable to the State;
(4)    underwriting profits;
(5)    contingencies;
(6)    investment income from unearned premium reserve and reserve for losses;
(7)    dividends, savings, or unabsorbed premium deposits allowed or returned by insurers to policyholders; and
(8)    all other relevant factors within and outside the State.
(d)    Rates may not be excessive, inadequate, or unfairly discriminatory.
(e)    The systems of expense provisions included in the rates for use by an insurer or group of insurers may differ from those of other insurers or groups of insurers to reflect the requirements of the operating methods of the insurer or group with respect to a kind of insurance, or with respect to a subdivision or combination of kinds of insurance for which separate expense provisions are applicable.
(f)    (1)    Risks may be grouped by classifications for the establishment of rates and minimum premiums.
(2)    Classification rates may be modified to produce rates for individual risks in accordance with rating plans that establish standards for measuring variations in hazards or expense provisions, or both.
(3)    The standards may measure any difference among risks that are demonstrated objectively to the Commissioner to have had a direct and substantial effect on losses or expenses.
(4)    Notwithstanding any other provision of this subsection, a rate may not be based wholly or partly on geographic area itself, as opposed to underlying risk considerations, even though expressed in geographic terms.
(g)    For fire insurance rates, consideration shall be given to experience during a period of not less than the most recent 5-year period for which experience is available.
2023 Maryland Statutes › Insurance › Title 11 - Insurance Rating Law › Subtitle 2 - Prior Approval Rate Making › Part II - Rate Making -- in General › Section 11-207 - Suspension or Modification of Filing Requirements

(a)    (1)    By written order, the Commissioner may suspend or modify the filing requirement for a kind of insurance, subdivision or combination of kinds of insurance, or for classes of risks, for which it is not practicable to file rates before they are used.
(2)    The Commissioner shall adopt regulations for the suspension or modification of filing requirements.
(b)    A regulation adopted or order issued under this section shall be made known to the insurers and rating organizations affected by the regulation or order.
(c)    The Commissioner may make any examination that the Commissioner considers advisable to determine if the rates affected by an order issued under this section meet the standards set forth in § 11-205 of this subtitle.
2023 Maryland Statutes › Insurance › Title 11 - Insurance Rating Law › Subtitle 2 - Prior Approval Rate Making › Part II - Rate Making -- in General › Section 11-209 - Reduction of Approved Rates

(a)    (1)    Notwithstanding any other provision of this subtitle, an insurer may reduce its rates previously approved by the Commissioner by filing the reduced rates with the Commissioner within 30 days after the reduced rates become effective.
(2)    An insurer that has reduced its rates in accordance with paragraph (1) of this subsection may withdraw the reduction wholly or partly by filing revised rates at a level not higher than the level approved by the Commissioner before the reduction within 30 days after they become effective.
(b)    If, after notice and a hearing, the Commissioner finds that the rates produced are in violation of this subtitle, the Commissioner may revoke a reduction of rates made in accordance with this section.
2023 Maryland Statutes › Insurance › Title 11 - Insurance Rating Law › Subtitle 2 - Prior Approval Rate Making › Part II - Rate Making -- in General › Section 11-211 - Information to Insureds

(a)    Within a reasonable time after a filer receives a written request for information about a filing and on payment of a reasonable charge, the filer shall provide all pertinent information about the filing to an insured affected by the filing or the authorized representative of the insured.
(b)    At the time of filing a proposed rate increase with the Commissioner, an insurer that provides professional liability insurance to a physician or other health care provider shall notify each policyholder in writing that:
(1)    the insurer has filed a proposed rate increase with the Commissioner;
(2)    a hearing may be requested with respect to the filing under § 11-208(e) of this subtitle; and
(3)    an order, hearing, or refusal of a hearing by the Commissioner may be appealed under Subtitle 5 of this title.
2023 Maryland Statutes › Insurance › Title 11 - Insurance Rating Law › Subtitle 2 - Prior Approval Rate Making › Part II - Rate Making -- in General › Section 11-212 - Review of Application of Rating System

(a)    Each filer shall provide reasonable means within the State by which a person aggrieved by the application of its rating system may be heard in person or by an authorized representative on the person’s written request to review the manner in which the rating system has been applied in connection with the insurance afforded the aggrieved person.
(b)    If the filer fails to grant or reject the aggrieved person’s request within 30 days after it is made, the applicant may proceed as if the application had been rejected.
(c)    Within 30 days after written notice of the action of a filer on a request for review, any person affected by the action may appeal to the Commissioner.
(d)    (1)    The Commissioner shall hold a hearing on the action of the filer.
(2)    The Commissioner shall give written notice of the hearing to the appellant and filer at least 10 days before the hearing.
(3)    After the hearing, the Commissioner may affirm or reverse the action.
2023 Maryland Statutes › Insurance › Title 11 - Insurance Rating Law › Subtitle 2 - Prior Approval Rate Making › Part II - Rate Making -- in General › Section 11-213 - Special Rate Making Principles

(a)    All homeowner’s insurance rates shall be made in accordance with the principles set forth in this section.
(b)    (1)    An insurer under a homeowner’s insurance policy may not classify or maintain an insured for a period longer than 3 years in a classification that entails a higher premium because of a specific claim.
(2)    For the purpose of determining whether to classify an insured in a classification that entails a higher premium, an insurer may review only a period not greater than 3 years before:
(i)    if the policy has not yet been issued:
1.    the date of the application; or
2.    the proposed effective date of the policy; or
(ii)    on renewal of a policy, the effective date of the renewal.
(3)    (i)    The removal of, reduction of, or refusal to apply a discount is not a violation of this subsection if the claim resulting in the removal of, reduction of, or refusal to apply the discount was filed not more than 5 years before the removal, reduction, or refusal.
(ii)    Subparagraph (i) of this paragraph may not be construed to prevent an insurer from granting a claim–free discount to an insured.