reglab/statecodes huggingface dataset:
2023 Rhode Island General Laws › Title 27 - Insurance › Chapter 27-74 - Discount Medical Plan Organization Act › Section 27-74-15. - Injunctions.

§ 27-74-15. Injunctions.
(a)
In addition to the penalties and other enforcement provisions of this act, the commissioner or the department of the attorney general may seek both temporary and permanent injunctive relief when:
(1)
A discount medical plan is being operated by a person or entity that is not registered pursuant to this chapter; or
(2)
Any person, entity, or discount medical plan organization has engaged in any activity prohibited by this chapter or any regulation adopted pursuant to this chapter.
(b)
The superior court shall have jurisdiction over any proceeding brought pursuant to this section.
(c)
The authority to seek injunctive relief is not conditioned on the commissioner having conducted any proceeding pursuant to the provisions of the “Administrative Procedures Act,” chapter 35 of title 42.
History of Section.
P.L. 2010, ch. 156, § 1; P.L. 2010, ch. 158, § 1.
2023 Rhode Island General Laws › Title 27 - Insurance › Chapter 27-74 - Discount Medical Plan Organization Act › Section 27-74-16. - Regulations.

§ 27-74-16. Regulations.
The commissioner shall adopt regulations to carry out the provisions of this chapter, including standards for readability of advertisements, marketing materials, brochures, discount medical plan cards, and any other communications by discount medical plan organizations to members and prospective members.
History of Section.
P.L. 2010, ch. 156, § 1; P.L. 2010, ch. 158, § 1.
2023 Rhode Island General Laws › Title 27 - Insurance › Chapter 27-74 - Discount Medical Plan Organization Act › Section 27-74-17. - Severability.

§ 27-74-17. Severability.
If any provision of this act, or the application of the provision to any person or circumstance shall be held invalid, the remainder of the act, and the application of the provision to persons or circumstances other than those to which it is held invalid, shall not be affected.
History of Section.
P.L. 2010, ch. 156, § 1; P.L. 2010, ch. 158, § 1.
2023 Rhode Island General Laws › Title 27 - Insurance › Chapter 27-74 - Discount Medical Plan Organization Act › Section 27-74-18. - Effective date.

§ 27-74-18. Effective date.
Any discount medical plan organization doing business in or from this state on or after March 1, 2011, shall comply with the requirements of this chapter.
History of Section.
P.L. 2010, ch. 156, § 1; P.L. 2010, ch. 158, § 1.
2023 Rhode Island General Laws › Title 27 - Insurance › Chapter 27-75 - Surplus Lines Insurance Multi-State Compliance Compact [Repealed.] › Section 27-75-1. - Repealed.

§ 27-75-1. Repealed.
History of Section.
P.L. 2011, ch. 20, § 1; P.L. 2011, ch. 29, § 1; Repealed by P.L. 2017, ch. 195, § 2, effective July 18, 2017; P.L. 2017, ch. 372, § 2, effective October 4, 2017.
2023 Rhode Island General Laws › Title 27 - Insurance › Chapter 27-75 - Surplus Lines Insurance Multi-State Compliance Compact [Repealed.] › Section 27-75-2. - Repealed.

§ 27-75-2. Repealed.
History of Section.
P.L. 2011, ch. 20, § 1; P.L. 2011, ch. 29, § 1; Repealed by P.L. 2017, ch. 195, § 2, effective July 18, 2017; P.L. 2017, ch. 372, § 2, effective October 4, 2017.
2023 Rhode Island General Laws › Title 27 - Insurance › Chapter 27-75 - Surplus Lines Insurance Multi-State Compliance Compact [Repealed.] › Section 27-75-3. - Repealed.

§ 27-75-3. Repealed.
History of Section.
P.L. 2011, ch. 20, § 1; P.L. 2011, ch. 29, § 1; Repealed by P.L. 2017, ch. 195, § 2, effective July 18, 2017; P.L. 2017, ch. 372, § 2, effective October 4, 2017.
2023 Rhode Island General Laws › Title 27 - Insurance › Chapter 27-76 - Weather-Related Losses › Section 27-76-1. - Applicability.

§ 27-76-1. Applicability.
Except for the provisions of § 27-76-6, the provisions of this chapter shall be applicable only to personal lines residential property insurance on dwelling houses.
History of Section.
P.L. 2012, ch. 64, § 2; P.L. 2012, ch. 83, § 2; P.L. 2013, ch. 100, § 1; P.L. 2013, ch. 113, § 1.
2023 Rhode Island General Laws › Title 27 - Insurance › Chapter 27-76 - Weather-Related Losses › Section 27-76-3. - Residential property insurance hurricane deductible application.

§ 27-76-3. Residential property insurance hurricane deductible application.
(a)
For all deductibles as provided for in § 27-76-2, the deductible may only be applied once to all hurricane losses that are subject to the hurricane deductible during the calendar year.
(b)
If an insured incurs a hurricane loss from more than one hurricane during a calendar year that are subject to the separate deductible referred to in subsection (a), the insurer may apply the deductible to the succeeding hurricane that is equal to the remaining amount of the separate deductible or the amount of the deductible that applies to all perils other than a hurricane, whichever is greater. Insurers may require policyholders to produce receipts or other records of such losses in order to apply such losses to subsequent hurricane claims.
History of Section.
P.L. 2012, ch. 64, § 3; P.L. 2012, ch. 83, § 3.
2023 Rhode Island General Laws › Title 27 - Insurance › Chapter 27-76 - Weather-Related Losses › Section 27-76-4. - Notice of property loss.

§ 27-76-4. Notice of property loss.
No insurance policy or contract covering damages to personal lines residential property may be canceled or nonrenewed, nor may the premium for such a policy be increased solely as a result of inquiries or claims made under the policy that resulted in no loss payout or resulted in a loss payout of less than five hundred dollars ($500). The provisions of this section shall not apply where more than one non-catastrophic claim is made under the policy in a three-year (3) period that resulted in any loss payout.
History of Section.
P.L. 2012, ch. 64, § 3; P.L. 2012, ch. 83, § 3.
2023 Rhode Island General Laws › Title 27 - Insurance › Chapter 27-76 - Weather-Related Losses › Section 27-76-5. - Hurricane mediation.

§ 27-76-5. Hurricane mediation.
The department of business regulation is hereby authorized to establish by regulation a nonadversarial, nonbinding alternative dispute resolution procedure for the effective, fair, and timely handling of personal lines insurance claims arising out of damages to residential property caused by hurricanes. The provisions of this section shall not apply to disputes of coverage under the insurance policy.
History of Section.
P.L. 2012, ch. 64, § 2; P.L. 2012, ch. 83, § 2.
2023 Rhode Island General Laws › Title 27 - Insurance › Chapter 27-76 - Weather-Related Losses › Section 27-76-6. - State of emergency — Effect upon insurance policies — Rules.

§ 27-76-6. State of emergency — Effect upon insurance policies — Rules.
(a)
The department of business regulation may promulgate regulations to take effect upon the declaration of a catastrophe, as declared by a nationally recognized catastrophe loss index provider, that address any of the following or other matters related to the catastrophe for insurance policies issued in this state:
(1)
Reporting requirements for claims related to the emergency;
(2)
Grace periods for payment of insurance premiums and performance of other duties by insureds (other than the duty to mitigate); and/or
(3)
Temporary postponement of cancellations and nonrenewals of insurance policies.
(b)
Subsections (a)(2) and (a)(3) above apply to all insurance policies, regardless of the line of insurance, issued to residents of this state displaced as a result of the catastrophe. The regulations shall require the insurer to make reasonable efforts to contact the policyholder and provide the accommodations requested by the policyholder, within the limits of accommodations detailed in the regulation, upon confirmation that the policyholder has been displaced by the catastrophe.
History of Section.
P.L. 2012, ch. 64, § 2; P.L. 2012, ch. 83, § 2; P.L. 2013, ch. 100, § 1; P.L. 2013, ch. 113, § 1.
2023 Rhode Island General Laws › Title 27 - Insurance › Chapter 27-76 - Weather-Related Losses › Section 27-76-7. - Use of prior claim experience of insured property.

§ 27-76-7. Use of prior claim experience of insured property.
No insurer may refuse to insure, cancel, nonrenew, or surcharge an insurance policy covering damages to personal lines residential property based solely upon prior claim experience for property damage claims at the insured property while under the ownership of someone other than the current insured unless the risk from which the claim originated has not been mitigated.
History of Section.
P.L. 2012, ch. 64, § 3; P.L. 2012, ch. 83, § 3.
2023 Rhode Island General Laws › Title 27 - Insurance › Chapter 27-76 - Weather-Related Losses › Section 27-76-8. - Use of claim experience resulting from catastrophic events.

§ 27-76-8. Use of claim experience resulting from catastrophic events.
No insurer may refuse to insure, cancel, nonrenew, or surcharge a policy or contract covering damages to personal lines residential property solely as a result of damages sustained in a catastrophic event.
History of Section.
P.L. 2012, ch. 64, § 3; P.L. 2012, ch. 83, § 3.
2023 Rhode Island General Laws › Title 27 - Insurance › Chapter 27-76 - Weather-Related Losses › Section 27-76-9. - Severability.

§ 27-76-9. Severability.
If a court holds any section or portion of a section of this chapter or the applicability thereof to any person or circumstance invalid, the remainder of the chapter shall not be affected thereby.
History of Section.
P.L. 2012, ch. 64, § 2; P.L. 2012, ch. 83, § 2.
2023 Rhode Island General Laws › Title 27 - Insurance › Chapter 27-77 - Risk Management and Own Risk and Solvency Assessment Act › Section 27-77-1. - Purpose and scope.

§ 27-77-1. Purpose and scope.
The purpose of this chapter is to provide the requirements for maintaining a risk management framework, and completing an own risk and solvency assessment (ORSA) and provide guidance and instructions for filing an ORSA summary report with the insurance commissioner of this state.
The requirements of this chapter shall apply to all insurers domiciled in this state unless exempt pursuant to § 27-77-6.
The general assembly finds and declares that the ORSA summary report will contain confidential and sensitive information related to an insurer or insurance group’s identification of risks material and relevant to the insurer or insurance group filing the report. This information will include proprietary and trade secret information that has the potential for harm and competitive disadvantage to the insurer or insurance group if the information is made public. It is the intent of this general assembly that the ORSA summary report shall be a confidential document filed with the commissioner; that the ORSA summary report will be shared only as stated herein and to assist the commissioner in the performance of his or her duties; and that in no event shall the ORSA summary report be subject to public disclosure.
History of Section.
P.L. 2013, ch. 53, § 1; P.L. 2013, ch. 59, § 1.
2023 Rhode Island General Laws › Title 27 - Insurance › Chapter 27-77 - Risk Management and Own Risk and Solvency Assessment Act › Section 27-77-2. - Definitions.

§ 27-77-2. Definitions.
For purposes of this chapter:
(1)
“Commissioner” means the director of the department of business regulation or his or her designee.
(2)
“Insurance group.” For the purpose of conducting an ORSA, the term “insurance group” means those insurers and affiliates included within an insurance holding company system as defined in chapter 35 of this title.
(3)
“Insurer.” The term “insurer” shall not include agencies, authorities, or instrumentalities of the United States, its possessions and territories, the Commonwealth of Puerto Rico, the District of Columbia, or a state or political subdivision of a state.
(4)
“NAIC” means the National Association of Insurance Commissioners.
(5)
“Own Risk and Solvency Assessment” or “ORSA.” An “Own Risk and Solvency Assessment” or “ORSA” means a confidential internal assessment, appropriate to the nature, scale, and complexity of an insurer or insurance group, conducted by that insurer or insurance group of the material and relevant risks associated with the insurer or insurance group’s current business plan, and the sufficiency of capital resources to support those risks.
(6)
“ORSA guidance manual” means the current version of the “Own Risk and Solvency Assessment Guidance Manual” developed and adopted by the NAIC and as amended from time to time. A change in the ORSA guidance manual shall be effective on January 1 following the calendar year in which the changes have been adopted by the NAIC.
(7)
“ORSA summary report” means a confidential high-level summary of an insurer or insurance group’s ORSA.
History of Section.
P.L. 2013, ch. 53, § 1; P.L. 2013, ch. 59, § 1; P.L. 2023, ch. 395, art. 1, § 25, effective December 31, 2023.
2023 Rhode Island General Laws › Title 27 - Insurance › Chapter 27-77 - Risk Management and Own Risk and Solvency Assessment Act › Section 27-77-3. - Risk management framework.

§ 27-77-3. Risk management framework.
An insurer shall maintain a risk management framework to assist the insurer with identifying, assessing, monitoring, managing, and reporting on its material and relevant risks. This requirement may be satisfied if the insurance group of which the insurer is a member maintains a risk management framework applicable to the operations of the insurer.
History of Section.
P.L. 2013, ch. 53, § 1; P.L. 2013, ch. 59, § 1.
2023 Rhode Island General Laws › Title 27 - Insurance › Chapter 27-77 - Risk Management and Own Risk and Solvency Assessment Act › Section 27-77-4. - ORSA requirement.

§ 27-77-4. ORSA requirement.
Subject to § 27-77-6, an insurer, or the insurance group of which the insurer is a member, shall regularly conduct an ORSA consistent with a process comparable to the ORSA guidance manual. The ORSA shall be conducted no less than annually but also at any time when there are significant changes to the risk profile of the insurer or the insurance group of which the insurer is a member.
History of Section.
P.L. 2013, ch. 53, § 1; P.L. 2013, ch. 59, § 1.
2023 Rhode Island General Laws › Title 27 - Insurance › Chapter 27-77 - Risk Management and Own Risk and Solvency Assessment Act › Section 27-77-5. - ORSA summary report.

§ 27-77-5. ORSA summary report.
(a)
Upon the commissioner’s request, and no more than once each year, an insurer shall submit to the commissioner an ORSA summary report or any combination of reports that together contain the information described in the ORSA guidance manual, applicable to the insurer and/or the insurance group of which it is a member. Notwithstanding any request from the commissioner, if the insurer is a member of an insurance group, the insurer shall submit the report(s) required by this subsection if the commissioner is the lead state commissioner of the insurance group as determined by the procedures within the financial analysis handbook adopted by the NAIC.
(b)
The report(s) shall include a signature of the insurer or insurance group’s chief risk officer or other executive having responsibility for the oversight of the insurer’s enterprise risk management process attesting to the best of his or her belief and knowledge that the insurer applies the enterprise risk management process described in the ORSA summary report and that a copy of the report has been provided to the insurer’s board of directors or the appropriate committee thereof.
(c)
An insurer may comply with subsection (a) by providing the most recent and substantially similar report(s) provided by the insurer or another member of an insurance group of which the insurer is a member to the commissioner of another state or to a supervisor or regulator of a foreign jurisdiction, if that report provides information that is comparable to the information described in the ORSA guidance manual. Any such report in a language other than English must be accompanied by a translation of that report into the English language.
History of Section.
P.L. 2013, ch. 53, § 1; P.L. 2013, ch. 59, § 1.
2023 Rhode Island General Laws › Title 27 - Insurance › Chapter 27-77 - Risk Management and Own Risk and Solvency Assessment Act › Section 27-77-7. - Contents of ORSA summary report.

§ 27-77-7. Contents of ORSA summary report.
(a)
The ORSA summary report shall be prepared consistent with the ORSA guidance manual, subject to the requirements of subsection (b) of this section. Documentation and supporting information shall be maintained and made available upon examination or upon request of the commissioner.
(b)
The review of the ORSA summary report, and any additional requests for information, shall be made using similar procedures currently used in the analysis and examination of multistate or global insurers and insurance groups.
History of Section.
P.L. 2013, ch. 53, § 1; P.L. 2013, ch. 59, § 1.
2023 Rhode Island General Laws › Title 27 - Insurance › Chapter 27-77 - Risk Management and Own Risk and Solvency Assessment Act › Section 27-77-9. - Sanctions.

§ 27-77-9. Sanctions.
Any insurer failing, without just cause, to timely file the ORSA summary report as required in this chapter shall be required, after notice and hearing, to pay a penalty of one thousand dollars ($1,000) for each day’s delay, to be recovered by the commissioner and the penalty so recovered shall be paid into the general fund. The maximum penalty under this section is three hundred sixty-five thousand dollars ($365,000). The commissioner may reduce the penalty if the insurer demonstrates to the commissioner that the imposition of the penalty would constitute a financial hardship to the insurer.
History of Section.
P.L. 2013, ch. 53, § 1; P.L. 2013, ch. 59, § 1.
2023 Rhode Island General Laws › Title 27 - Insurance › Chapter 27-77 - Risk Management and Own Risk and Solvency Assessment Act › Section 27-77-10. - Severability clause.

§ 27-77-10. Severability clause.
If any provision of this chapter, or the application thereof to any person or circumstance, is held invalid, such determination shall not affect the provisions or applications of this chapter which can be given effect without the invalid provision or application, and to that end the provisions of this chapter are severable.
History of Section.
P.L. 2013, ch. 53, § 1; P.L. 2013, ch. 59, § 1.
2023 Rhode Island General Laws › Title 27 - Insurance › Chapter 27-78 - Certificates of Insurance Model Act › Section 27-78-1. - Short title.

§ 27-78-1. Short title.
This chapter shall be known and may be cited as the “Certificates of Insurance Model Act.”
History of Section.
P.L. 2013, ch. 299, § 1; P.L. 2013, ch. 408, § 1.
2023 Rhode Island General Laws › Title 27 - Insurance › Chapter 27-78 - Certificates of Insurance Model Act › Section 27-78-2. - Definitions.

§ 27-78-2. Definitions.
For purposes of this chapter:
(1)
“Certificate of insurance” means a document or instrument, regardless of how titled or described, that is prepared or issued by an insurer or insurance producer as evidence of property or casualty insurance coverage. The term does not include a policy of insurance, insurance binder, policy endorsement, or automobile insurance identification or information card.
(2)
“Insurance producer” means a person required to be licensed under the laws of this state to sell, solicit, or negotiate property or casualty insurance.
(3)
“Insurer” means any organization that issues property or casualty insurance.
(4)
“Person” means any individual, partnership, corporation, association, or other legal entity, including any government or governmental subdivision or agency.
History of Section.
P.L. 2013, ch. 299, § 1; P.L. 2013, ch. 408, § 1.
2023 Rhode Island General Laws › Title 27 - Insurance › Chapter 27-78 - Certificates of Insurance Model Act › Section 27-78-3. - Certificate forms.

§ 27-78-3. Certificate forms.
(a)
The commissioner of insurance shall prohibit the use of a certificate of insurance form if the form:
(1)
Is unfair, misleading, or deceptive, or violates public policy; or
(2)
Violates any law, including any regulation promulgated by the commissioner of insurance.
(b)
A certificate of insurance is not a policy of insurance and does not affirmatively or negatively amend, extend, or alter the coverage afforded by the policy to which the certificate of insurance makes reference. A certificate of insurance shall not confer to any person new or additional rights beyond what the referenced policy of insurance expressly provides.
History of Section.
P.L. 2013, ch. 299, § 1; P.L. 2013, ch. 408, § 1.
2023 Rhode Island General Laws › Title 27 - Insurance › Chapter 27-78 - Certificates of Insurance Model Act › Section 27-78-4. - Limitations on use.

§ 27-78-4. Limitations on use.
(a)
A person may not:
(1)
Alter or modify a certificate of insurance after issuance by a producer or insurer;
(2)
Prepare, issue, or request or require the issuance of a certificate of insurance that contains any false or misleading information concerning the policy of insurance to which the certificate of insurance makes reference; or
(3)
Prepare, issue, or request or require the issuance of a certificate of insurance that purports to affirmatively or negatively alter, amend, or extend the coverage provided by the policy of insurance to which the certificate of insurance makes reference.
(b)
A certificate of insurance may not warrant that the policy of insurance referenced in the certificate comply with the insurance or indemnification requirements of a contract and the inclusion of a contract number or description within a certificate of insurance may not be interpreted as doing such.
History of Section.
P.L. 2013, ch. 299, § 1; P.L. 2013, ch. 408, § 1.
2023 Rhode Island General Laws › Title 27 - Insurance › Chapter 27-78 - Certificates of Insurance Model Act › Section 27-78-5. - Notice requirements.

§ 27-78-5. Notice requirements.
A person is entitled to notice of cancellation, nonrenewal, or any material change, and to any similar notice concerning a policy of insurance only if the person has such notice rights under the terms of the policy of insurance or any endorsement to the policy. The terms and conditions of the notice are governed by the policy of insurance or endorsement and may not be altered by a certificate of insurance.
History of Section.
P.L. 2013, ch. 299, § 1; P.L. 2013, ch. 408, § 1.
2023 Rhode Island General Laws › Title 27 - Insurance › Chapter 27-78 - Certificates of Insurance Model Act › Section 27-78-6. - Applicability.

§ 27-78-6. Applicability.
(a)
The provisions of this chapter shall apply to all certificates of insurance issued in connection with property, operations, or risks located in this state, regardless of where the policyholder, insurer, insurance producer, or person requesting or requiring the issuance of a certificate of insurance is located.
(b)
A certificate of insurance or any other document or correspondence prepared, issued, requested, or required in violation of this chapter shall be null and void.
History of Section.
P.L. 2013, ch. 299, § 1; P.L. 2013, ch. 408, § 1.
2023 Rhode Island General Laws › Title 27 - Insurance › Chapter 27-78 - Certificates of Insurance Model Act › Section 27-78-7. - Enforcement and penalties.

§ 27-78-7. Enforcement and penalties.
(a)
The commissioner of insurance shall have the power to examine and investigate the activities of any person that the commissioner reasonably believes has been or is engaged in an act or practice prohibited by this chapter.
(b)
The commissioner of insurance shall have the power to enforce the provisions of this chapter in accordance with § 42-14-16.
(c)
The commissioner of insurance may adopt reasonable rules and regulations as are necessary or proper to carry out the provisions of this chapter.
History of Section.
P.L. 2013, ch. 299, § 1; P.L. 2013, ch. 408, § 1.
2023 Rhode Island General Laws › Title 27 - Insurance › Chapter 27-79 - Limited Lines Travel Insurance Act [Repealed.] › Section 27-79-1. - [Repealed.]

§ 27-79-1. [Repealed.]
History of Section.
P.L. 2013, ch. 315, § 1; P.L. 2013, ch. 410, § 1; Repealed by P.L. 2019, ch. 44, § 1, effective October 1, 2019; P.L. 2019, ch. 51, § 1, effective October 1, 2019.
2023 Rhode Island General Laws › Title 27 - Insurance › Chapter 27-79 - Limited Lines Travel Insurance Act [Repealed.] › Section 27-79-2. - [Repealed.]

§ 27-79-2. [Repealed.]
History of Section.
P.L. 2013, ch. 315, § 1; P.L. 2013, ch. 410, § 1; Repealed by P.L. 2019, ch. 44, § 1, effective October 1, 2019; P.L. 2019, ch. 51, § 1, effective October 1, 2019.
2023 Rhode Island General Laws › Title 27 - Insurance › Chapter 27-79 - Limited Lines Travel Insurance Act [Repealed.] › Section 27-79-3. - [Repealed.]

§ 27-79-3. [Repealed.]
History of Section.
P.L. 2013, ch. 315, § 1; P.L. 2013, ch. 410, § 1; Repealed by P.L. 2019, ch. 44, § 1, effective October 1, 2019; P.L. 2019, ch. 51, § 1, effective October 1, 2019.
2023 Rhode Island General Laws › Title 27 - Insurance › Chapter 27-79 - Limited Lines Travel Insurance Act [Repealed.] › Section 27-79-4. - [Repealed.]

§ 27-79-4. [Repealed.]
History of Section.
P.L. 2013, ch. 315, § 1; P.L. 2013, ch. 410, § 1; Repealed by P.L. 2019, ch. 44, § 1, effective October 1, 2019; P.L. 2019, ch. 51, § 1, effective October 1, 2019.
2023 Rhode Island General Laws › Title 27 - Insurance › Chapter 27-79 - Limited Lines Travel Insurance Act [Repealed.] › Section 27-79-5. - [Repealed.]

§ 27-79-5. [Repealed.]
History of Section.
P.L. 2013, ch. 315, § 1; P.L. 2013, ch. 410, § 1; Repealed by P.L. 2019, ch. 44, § 1, effective October 1, 2019; P.L. 2019, ch. 51, § 1, effective October 1, 2019.
2023 Rhode Island General Laws › Title 27 - Insurance › Chapter 27-79 - Limited Lines Travel Insurance Act [Repealed.] › Section 27-79-6. - [Repealed.]

§ 27-79-6. [Repealed.]
History of Section.
P.L. 2013, ch. 315, § 1; P.L. 2013, ch. 410, § 1; Repealed by P.L. 2019, ch. 44, § 1, effective October 1, 2019; P.L. 2019, ch. 51, § 1, effective October 1, 2019.
2023 Rhode Island General Laws › Title 27 - Insurance › Chapter 27-79 - Limited Lines Travel Insurance Act [Repealed.] › Section 27-79-7. - [Repealed.]

§ 27-79-7. [Repealed.]
History of Section.
P.L. 2013, ch. 315, § 1; P.L. 2013, ch. 410, § 1; Repealed by P.L. 2019, ch. 44, § 1, effective October 1, 2019; P.L. 2019, ch. 51, § 1, effective October 1, 2019.
2023 Rhode Island General Laws › Title 27 - Insurance › Chapter 27-79.1 - Travel Insurance Act › Section 27-79.1-1. - Short title.

§ 27-79.1-1. Short title.
This chapter shall be known and may be cited as the “Travel Insurance Act.”
History of Section.
P.L. 2019, ch. 44, § 2; P.L. 2019, ch. 51, § 2.
2023 Rhode Island General Laws › Title 27 - Insurance › Chapter 27-79.1 - Travel Insurance Act › Section 27-79.1-2. - Scope and purposes.

§ 27-79.1-2. Scope and purposes.
(a)
The purpose of this chapter is to promote the public welfare by creating a comprehensive legal framework within which travel insurance may be sold in this state.
(b)
The requirements of this chapter shall apply to travel insurance policies and certificates that are delivered or issued for delivery in this state. It shall not apply to cancellation fee waivers and travel assistance services, except as expressly provided herein.
(c)
All other applicable provisions of the state’s insurance laws shall continue to apply to travel insurance; provided that the specific provisions of this chapter shall supersede any other provisions of the general or public laws that would otherwise be applicable to travel insurance.
History of Section.
P.L. 2019, ch. 44, § 2; P.L. 2019, ch. 51, § 2.
2023 Rhode Island General Laws › Title 27 - Insurance › Chapter 27-79.1 - Travel Insurance Act › Section 27-79.1-5. - Compensation.

§ 27-79.1-5. Compensation.
A travel retailer whose insurance-related activities, and those of its employees, are limited to offering and disseminating travel insurance on behalf of and under the direction of a limited lines travel insurance producer meeting the conditions stated in this chapter, is authorized to do so and receive related compensation.
History of Section.
P.L. 2019, ch. 44, § 2; P.L. 2019, ch. 51, § 2.
2023 Rhode Island General Laws › Title 27 - Insurance › Chapter 27-79.1 - Travel Insurance Act › Section 27-79.1-6. - Premium tax.

§ 27-79.1-6. Premium tax.
(a)
A travel insurer shall pay a gross premiums tax, as provided in § 44-17-2, on travel insurance premiums paid by any of the following:
(1)
An individual primary policyholder who is a resident of this state;
(2)
A primary certificate holder who is a resident of this state who elects coverage under a group travel insurance policy; or
(3)
A blanket travel insurance policyholder that is resident in, or has its principal place of business or the principal place of business of an affiliate or subsidiary that has purchased blanket travel insurance in this state for eligible blanket group members, subject to any apportionment rules that apply to the insurer across multiple taxing jurisdictions, or that permit the insurer to allocate premiums on an apportioned basis in a reasonable and equitable manner in those jurisdictions.
(b)
A travel insurer shall:
(1)
Document the state of residence or principal place of business of the policyholder or certificate holder, as required in this chapter; and
(2)
Report as premium only the amount allocable to travel insurance, and not any amounts received for travel assistance services or cancellation fee waivers.
History of Section.
P.L. 2019, ch. 44, § 2; P.L. 2019, ch. 51, § 2.
2023 Rhode Island General Laws › Title 27 - Insurance › Chapter 27-79.1 - Travel Insurance Act › Section 27-79.1-7. - Travel protection plans.

§ 27-79.1-7. Travel protection plans.
Travel protection plans may be offered for one price for the combined features that the travel protection plan offers in this state if:
(1)
The travel protection plan clearly discloses to the consumer at, or prior to the time of purchase, that it includes travel insurance, travel assistance services, and cancellation fee waivers, as applicable, and provides information and an opportunity at, or prior to the time of purchase, for the consumer to obtain additional information regarding the features and pricing of each; and
(2)
The fulfillment materials:
(i)
Describe and delineate the travel insurance, travel assistance services, and cancellation fee waivers in the travel protection plan; and
(ii)
Include the travel insurance disclosures and the contact information for persons providing travel assistance services and cancellation fee waivers, as applicable.
History of Section.
P.L. 2019, ch. 44, § 2; P.L. 2019, ch. 51, § 2.
2023 Rhode Island General Laws › Title 27 - Insurance › Chapter 27-79.1 - Travel Insurance Act › Section 27-79.1-9. - Travel administrators.

§ 27-79.1-9. Travel administrators.
(a)
Notwithstanding any other provisions of this title, no person shall act or represent himself, herself, or itself as a travel administrator for travel insurance in this state unless that person:
(1)
Is a licensed property and casualty insurance producer in this state for activities permitted under that producer license; or
(2)
Holds a valid managing general agent license in this state.
(b)
A travel administrator and its employees are exempt from the licensing requirements of chapter 10 of this title for travel insurance it administers.
(c)
An insurer is responsible for the acts of a travel administrator administering travel insurance underwritten by the insurer, and is responsible for ensuring that the travel administrator maintains all books and records relevant to the insurer to be made available by the travel administrator to the commissioner upon request.
History of Section.
P.L. 2019, ch. 44, § 2; P.L. 2019, ch. 51, § 2.
2023 Rhode Island General Laws › Title 27 - Insurance › Chapter 27-79.1 - Travel Insurance Act › Section 27-79.1-10. - Policy.

§ 27-79.1-10. Policy.
(a)
Notwithstanding any other provision of this title, travel insurance shall be classified, and filed for purposes of rates and forms under an inland marine line of insurance provided, however, that travel insurance that provides coverage for sickness, accident, disability, or death occurring during travel, either exclusively or in conjunction with related coverages of emergency evacuation or repatriation of remains, or incidental limited property and casualty benefits such as baggage or trip cancellation, may be filed by an authorized insurer under either an accident and health line of insurance or an inland marine line of insurance.
(b)
Travel insurance may be in the form of an individual, group, or blanket policy.
(c)
Eligibility and underwriting standards for travel insurance may be developed and provided based on travel protection plans designed for individual or identified marketing or distribution channels, provided those standards also meet the state’s underwriting standards for inland marine.
History of Section.
P.L. 2019, ch. 44, § 2; P.L. 2019, ch. 51, § 2.
2023 Rhode Island General Laws › Title 27 - Insurance › Chapter 27-79.1 - Travel Insurance Act › Section 27-79.1-11. - Responsibility.

§ 27-79.1-11. Responsibility.
As the insurer designee, the limited lines travel insurance producer is responsible for the acts of the travel retailer and shall use reasonable means to ensure compliance by the travel retailer with this chapter.
History of Section.
P.L. 2019, ch. 44, § 2; P.L. 2019, ch. 51, § 2.
2023 Rhode Island General Laws › Title 27 - Insurance › Chapter 27-79.1 - Travel Insurance Act › Section 27-79.1-12. - Enforcement.

§ 27-79.1-12. Enforcement.
Violations of this chapter shall be subject to penalties pursuant to § 42-14-16.
History of Section.
P.L. 2019, ch. 44, § 2; P.L. 2019, ch. 51, § 2.
2023 Rhode Island General Laws › Title 27 - Insurance › Chapter 27-79.1 - Travel Insurance Act › Section 27-79.1-13. - Regulations.

§ 27-79.1-13. Regulations.
The commissioner may promulgate regulations to implement the provisions of this chapter.
History of Section.
P.L. 2019, ch. 44, § 2; P.L. 2019, ch. 51, § 2.
2023 Rhode Island General Laws › Title 27 - Insurance › Chapter 27-80 - Unclaimed Life Insurance Benefits Act › Section 27-80-1. - Short title.

§ 27-80-1. Short title.
This chapter shall be known and may be cited as the “Unclaimed Life Insurance Benefits Act.”
History of Section.
P.L. 2014, ch. 183, § 1; P.L. 2014, ch. 209, § 1.
2023 Rhode Island General Laws › Title 27 - Insurance › Chapter 27-80 - Unclaimed Life Insurance Benefits Act › Section 27-80-2. - Purpose.

§ 27-80-2. Purpose.
By enacting this chapter, it is the intent of the general assembly to require the complete and proper disclosure, transparency, and accountability relating to any method of payment for life insurance death benefits regulated by the state.
History of Section.
P.L. 2014, ch. 183, § 1; P.L. 2014, ch. 209, § 1.
2023 Rhode Island General Laws › Title 27 - Insurance › Chapter 27-80 - Unclaimed Life Insurance Benefits Act › Section 27-80-3. - Definitions.

§ 27-80-3. Definitions.
As used in this chapter:
(1)
“Contract” means an annuity contract. The term “contract” shall not include an annuity used to fund an employment-based retirement plan or program where the insurer is not committed by terms of the annuity contract to pay death benefits to the beneficiaries of specific plan participants.
(2)
“Death master file” means the United States Social Security Administration’s death master file or any other database or service that is at least as comprehensive as the United States Social Security Administration’s death master file for determining that a person has reportedly died.
(3)
“Death master file match” means a search of the death master file that results in a match of the Social Security number or the name and date of birth of an insured, annuity owner, or retained asset account holder.
(4)
“Policy” means any policy or certificate of life insurance that provides a death benefit. The term “policy” shall not include:
(i)
Any policy or certificate of life insurance that provides a death benefit under an employee benefit plan:
(A)
Subject to the Employee Retirement Income Security Act of 1974 (Pub. L. No. 93-406), 29 U.S.C. § 1002, as periodically amended; or
(B)
Under any federal employee benefit program; or
(ii)
Any policy or certificate of life insurance that is used to fund a pre-need funeral contract or pre-arrangement; or
(iii)
Any policy or certificate of credit life or accidental death insurance.
History of Section.
P.L. 2014, ch. 183, § 1; P.L. 2014, ch. 209, § 1; P.L. 2023, ch. 395, art. 1, § 26, effective December 31, 2023.
2023 Rhode Island General Laws › Title 27 - Insurance › Chapter 27-80 - Unclaimed Life Insurance Benefits Act › Section 27-80-5. - Penalties.

§ 27-80-5. Penalties.
A violation of this chapter shall subject the insurer to penalties as determined appropriate in accordance with § 42-14-16 (“Insurance Administrative Penalties”).
History of Section.
P.L. 2014, ch. 183, § 1; P.L. 2014, ch. 209, § 1.
2023 Rhode Island General Laws › Title 27 - Insurance › Chapter 27-81 - Telemedicine Coverage Act › Section 27-81-1. - Title.

§ 27-81-1. Title.
This act shall be known as, and may be cited as, the “Telemedicine Coverage Act.”
History of Section.
P.L. 2016, ch. 177, § 1; P.L. 2016, ch. 188, § 1.
2023 Rhode Island General Laws › Title 27 - Insurance › Chapter 27-81 - Telemedicine Coverage Act › Section 27-81-2. - Purpose.

§ 27-81-2. Purpose.
The general assembly hereby finds and declares that:
(1)
The advancements and continued development of medical and communications technology have had a profound impact on the practice of medicine and offer opportunities for improving the delivery, cost, and accessibility of health care, particularly in the area of telemedicine.
(2)
Geography, weather, availability of specialists, transportation, and other factors can create barriers to accessing the appropriate health care, including behavioral health care, and one way to provide, ensure, or enhance access to health care given these barriers is through the appropriate use of technology to allow healthcare consumers access to qualified healthcare providers.
(3)
There is a need in this state to embrace efforts that will encourage health insurers and healthcare providers to support the use of telemedicine, and that will also encourage all state agencies to evaluate and amend their policies and rules to remove any regulatory barriers prohibiting the use of telemedicine services.
History of Section.
P.L. 2016, ch. 177, § 1; P.L. 2016, ch. 188, § 1.
2023 Rhode Island General Laws › Title 27 - Insurance › Chapter 27-81 - Telemedicine Coverage Act › Section 27-81-4. - Coverage of telemedicine services.

§ 27-81-4. Coverage of telemedicine services.
(a)
Each health insurer that issues individual or group accident and sickness insurance policies for healthcare services and/or provides a healthcare plan for healthcare services shall provide coverage for the cost of such covered healthcare services provided through telemedicine services, as provided in this section.
(b)(1)
A health insurer shall not exclude a healthcare service for coverage solely because the healthcare service is provided through telemedicine and is not provided through in-person consultation or contact, so long as such healthcare services are medically necessary and clinically appropriate to be provided through telemedicine services.
(2)
All medically necessary and clinically appropriate telemedicine services delivered by in-network primary care providers, registered dietitian nutritionists, and behavioral health providers shall be reimbursed at rates not lower than services delivered by the same provider through in-person methods.
(c)
Benefit plans offered by a health insurer shall not impose a deductible, copayment, or coinsurance requirement for a healthcare service delivered through telemedicine in excess of what would normally be charged for the same healthcare service when performed in person.
(d)
Prior authorization requirements for medically necessary and clinically appropriate telemedicine services shall not be more stringent than prior authorization requirements for in-person care. No more stringent medical or benefit determination and utilization review requirements shall be imposed on any telemedicine service than is imposed upon the same service when performed in person.
(e)
Except for requiring compliance with applicable state and federal laws, regulations, and/or guidance, no health insurer shall impose any specific requirements as to the technologies used to deliver medically necessary and clinically appropriate telemedicine services.
(f)
The requirements of this section shall apply to all policies and health plans issued, reissued, or delivered in the state of Rhode Island on and after January 1, 2018.
(g)
This chapter shall not apply to: short-term travel, accident-only, limited or specified disease; or individual conversion policies or health plans; nor to policies or health plans designed for issuance to persons eligible for coverage under Title XVIII of the Social Security Act, known as Medicare; or any other similar coverage under state or federal governmental plans.
History of Section.
P.L. 2016, ch. 177, § 1; P.L. 2016, ch. 188, § 1; P.L. 2021, ch. 184, § 1, effective July 6, 2021; P.L. 2021, ch. 199, § 1, effective July 6, 2021.
2023 Rhode Island General Laws › Title 27 - Insurance › Chapter 27-81 - Telemedicine Coverage Act › Section 27-81-5. - Severability.

§ 27-81-5. Severability.
If any provision of this chapter or of any rule or regulation made under this chapter, or its application to any person or circumstance is held invalid by a court of competent jurisdiction, the remainder of the chapter, rule, or regulation and the application of the provision to other persons or circumstances shall not be affected by this invalidity. The invalidity of any section or sections or parts of any section or sections shall not affect the validity of the remainder of the chapter.
History of Section.
P.L. 2016, ch. 177, § 1; P.L. 2016, ch. 188, § 1.
2023 Rhode Island General Laws › Title 27 - Insurance › Chapter 27-81 - Telemedicine Coverage Act › Section 27-81-6. - Rules and regulations.

§ 27-81-6. Rules and regulations.
The health insurance commissioner may promulgate such rules and regulations as are necessary and proper to effectuate the purpose and for the efficient administration and enforcement of this chapter.
History of Section.
P.L. 2021, ch. 184, § 2, effective July 6, 2021; P.L. 2021, ch. 199, § 2, effective July 6, 2021.
2023 Rhode Island General Laws › Title 27 - Insurance › Chapter 27-81 - Telemedicine Coverage Act › Section 27-81-7. - Telemedicine data reporting.

§ 27-81-7. Telemedicine data reporting.
Each health insurer shall collect and provide to the office of the health insurance commissioner (OHIC), in a form and frequency acceptable to OHIC, information and data reflecting its telemedicine policies, practices, and experience. OHIC shall provide this information and data to the general assembly on or before January 1, 2022, and on or before each January 1 thereafter.
History of Section.
P.L. 2021, ch. 184, § 2, effective July 6, 2021; P.L. 2021, ch. 199, § 2, effective July 6, 2021.
2023 Rhode Island General Laws › Title 28 - Labor and Labor Relations › Chapter 28-1 - Department of Labor and Training › Section 28-1-1. - Annual report of director to general assembly.

§ 28-1-1. Annual report of director to general assembly.
The director of labor and training shall collect, arrange, tabulate, and publish, in a report by him or her to be made to the general assembly annually in January, the facts and statistical details in relation to the condition of labor and business in all mechanical, manufacturing, commercial, and other industrial business of the state, and especially in relation to the social, educational, and sanitary condition of the laboring classes, with any suggestions that he or she deems to be proper for the improvement of their condition and the bettering of their advantages for intellectual and moral instruction, together with any other information that he or she deems to be useful to the general assembly in the proper performance of its legislative duties regarding the subjects that he or she is required to report.
History of Section.
G.L. 1896, ch. 70, § 1; P.L. 1901, ch. 809, § 13; G.L. 1909, ch. 80, § 1; G.L. 1923, ch. 87, § 1; G.L. 1938, ch. 281, § 1; G.L. 1956, § 28-1-1.
2023 Rhode Island General Laws › Title 28 - Labor and Labor Relations › Chapter 28-1 - Department of Labor and Training › Section 28-1-2. - Duty to give information to director.

§ 28-1-2. Duty to give information to director.
Every employer of labor, and every person engaged in any industrial pursuit, shall give the director of labor and training all proper and necessary information to enable him or her to perform the duties required of him or her by law, and in default of that, upon reasonable demand, shall be fined twenty dollars ($20.00).
History of Section.
G.L. 1896, ch. 70, § 2; G.L. 1909, ch. 80, § 2; G.L. 1923, ch. 87, § 2; G.L. 1938, ch. 281, § 2; G.L. 1956, § 28-1-2.
2023 Rhode Island General Laws › Title 28 - Labor and Labor Relations › Chapter 28-1 - Department of Labor and Training › Section 28-1-3. - Administrative assistant to director.

§ 28-1-3. Administrative assistant to director.
The director of labor and training shall, with the approval of the governor, appoint an administrative assistant, who shall perform those duties that may be prescribed by the director and shall serve at his or her pleasure. The administrative assistant shall be deemed to be employed in a policymaking capacity and shall be in the unclassified service.
History of Section.
P.L. 1939, ch. 660, § 154; P.L. 1946, ch. 1723, § 1; G.L. 1956, § 28-1-3.
2023 Rhode Island General Laws › Title 28 - Labor and Labor Relations › Chapter 28-1 - Department of Labor and Training › Section 28-1-4. - Employment of personnel — Expenses.

§ 28-1-4. Employment of personnel — Expenses.
The director of labor and training may employ assistants and incur expenses incident to the proper discharge of the duties of his or her office, and the general assembly shall annually appropriate an amount that it deems necessary for the purpose of paying those salaries and expenses.
History of Section.
P.L. 1919, ch. 1741, § 5; P.L. 1922, ch. 2160, § 1; G.L. 1923, ch. 87, § 3; P.L. 1929, ch. 1362, § 1; G.L. 1938, ch. 281, § 3; G.L. 1956, § 28-1-4.
2023 Rhode Island General Laws › Title 28 - Labor and Labor Relations › Chapter 28-1 - Department of Labor and Training › Section 28-1-5. - Digital credentialing.

§ 28-1-5. Digital credentialing.
Effective July 1, 2023, the department of labor and training (“department”) shall require publicly funded workforce and training programs to supplement all paper-based credentials with verified electronic credentials. Credentials include, but are not limited to, certifications, licenses, degrees, and training completion certificates issued by workforce and training programs within the department’s responsibility. An “electronic credential” means an electronic method by which a person may display or transmit to another person information that verifies information about a person such as their licensure, program completion, and verified skills and competencies. The department may use a third-party electronic credential system that is not maintained by the agency. The electronic credential system shall include a verification system that is operated by the agency or its agent on its behalf for the purpose of verifying the authenticity and validity of electronic credentials.
History of Section.
P.L. 2022, ch. 116, § 1, effective July 1, 2023; P.L. 2022, ch. 115, § 1, effective July 1, 2023.