| Date of Action |
Assembly Actions -
Lowercase Senate Actions - UPPERCASE |
|---|---|
| Jan 30, 2012 |
print number 3092b |
| Jan 30, 2012 |
amend and recommit to insurance |
| Jan 04, 2012 |
referred to insurance |
| May 23, 2011 |
print number 3092a |
| May 23, 2011 |
amend and recommit to insurance |
| Feb 08, 2011 |
referred to insurance |
Senate Bill S3092B
2011-2012 Legislative Session
Sponsored By
(R, C, IP) Senate District
Archive: Last Bill Status - In Senate Committee Insurance Committee
Actions
Bill Amendments
2011-S3092 - Details
- See Assembly Version of this Bill:
- A3507
- Current Committee:
- Senate Insurance
- Law Section:
- Insurance Law
- Laws Affected:
- Add §3421, Ins L
- Versions Introduced in Other Legislative Sessions:
-
2009-2010:
S404, A2566
2013-2014: S4822, A3952
2015-2016: S487, A3696
2017-2018: S2075, A4225
2019-2020: S4286, S7924, A723
2021-2022: S4254, A4075
2011-S3092 - Sponsor Memo
BILL NUMBER:S3092
TITLE OF BILL:
An act
to amend the insurance law, in relation to prohibiting insurers from
canceling, refusing to issue or renew, or charging higher premiums for
homeowners' insurance based on the breed of dog owned
PURPOSE:
The objective of this legislation is to prevent insurance companies
from discriminating against homeowners and renters based on the
breed of dog that they own.
SUMMARY OF SPECIFIC PROVISIONS:
This act would clarify the law in such a manner as to prohibit
insurance companies from refusing to issue or renew an insurance
policy, from canceling a policy and from charging higher premiums
based on ownership of a particular breed of dog. However, when there
is a 'dangerous dog' finding under the agriculture and markets law,
the refusal to issue or renew a policy, or imposition of higher
premiums would still be permitted as long as such a determination is
based upon sound underwriting and actuarial principles reasonably
related to actual or anticipated loss.
JUSTIFICATION:
If a dog had ever attacked and caused injury to a person then there
2011-S3092 - Bill Text download pdf
S T A T E O F N E W Y O R K
________________________________________________________________________
3092
2011-2012 Regular Sessions
I N S E N A T E
February 8, 2011
___________
Introduced by Sen. ROBACH -- read twice and ordered printed, and when
printed to be committed to the Committee on Insurance
AN ACT to amend the insurance law, in relation to prohibiting insurers
from canceling, refusing to issue or renew, or charging higher premi-
ums for homeowners' insurance based on the breed of dog owned
THE PEOPLE OF THE STATE OF NEW YORK, REPRESENTED IN SENATE AND ASSEM-
BLY, DO ENACT AS FOLLOWS:
Section 1. The insurance law is amended by adding a new section 3421
to read as follows:
S 3421. HOMEOWNERS' LIABILITY INSURANCE; DOGS. 1. WITH RESPECT TO
HOMEOWNERS' INSURANCE POLICIES AS DEFINED IN SECTION TWO THOUSAND THREE
HUNDRED FIFTY-ONE OF THIS CHAPTER, NO INSURER SHALL REFUSE TO ISSUE OR
RENEW, CANCEL, OR CHARGE OR IMPOSE AN INCREASED PREMIUM OR RATE FOR SUCH
POLICY OR CONTRACT BASED, IN WHOLE OR IN PART, UPON HARBORING OR OWNING
A DOG OR DOGS OF A SPECIFIC BREED OR BREEDS OR A DOG OR DOGS "MIXED"
WITH A SPECIFIC BREED OR BREEDS.
2. THE PROVISIONS OF THIS SECTION SHALL NOT PROHIBIT AN INSURER FROM
REFUSING TO ISSUE OR RENEW OR FROM CANCELING ANY SUCH CONTRACT OR POLI-
CY, NOR FROM IMPOSING A REASONABLY INCREASED PREMIUM OR RATE FOR SUCH A
POLICY OR CONTRACT BASED UPON THE DESIGNATION OF A DOG OF ANY BREED OR
MIXTURE OF BREEDS AS A DANGEROUS DOG PURSUANT TO SECTION ONE HUNDRED
TWENTY-ONE OF THE AGRICULTURE AND MARKETS LAW, BASED ON SOUND UNDERWRIT-
ING AND ACTUARIAL PRINCIPLES REASONABLY RELATED TO ACTUAL OR ANTICIPATED
LOSS EXPERIENCE SUBJECT TO THE APPLICABLE PROVISIONS OF SECTION THREE
THOUSAND FOUR HUNDRED TWENTY-FIVE OF THIS ARTICLE.
3. THE PROVISIONS OF THIS SECTION SHALL NOT PROHIBIT AN INSURER FROM
IMPOSING A REASONABLY INCREASED PREMIUM OR RATE FOR SUCH POLICY OR
CONTRACT BASED UPON PRIOR PAID LIABILITY CLAIMS ON THE INSURED'S HOME-
OWNERS' LIABILITY POLICY FOR LOSSES INCURRED DUE TO THE INSURED'S DOG OR
DOGS, IF THAT DOG OR DOGS STILL RESIDE IN THE INSURED'S HOME OR HOUSE-
HOLD, BASED ON SOUND UNDERWRITING AND ACTUARIAL PRINCIPLES REASONABLY
EXPLANATION--Matter in ITALICS (underscored) is new; matter in brackets
[ ] is old law to be omitted.
LBD01916-01-1
2011-S3092A - Details
- See Assembly Version of this Bill:
- A3507
- Current Committee:
- Senate Insurance
- Law Section:
- Insurance Law
- Laws Affected:
- Add §3421, Ins L
- Versions Introduced in Other Legislative Sessions:
-
2009-2010:
S404, A2566
2013-2014: S4822, A3952
2015-2016: S487, A3696
2017-2018: S2075, A4225
2019-2020: S4286, S7924, A723
2021-2022: S4254, A4075
2011-S3092A - Sponsor Memo
BILL NUMBER:S3092A
TITLE OF BILL:
An act
to amend the insurance law, in relation to prohibiting insurers from
canceling, refusing to issue or renew, or charging higher premiums for
homeowners' insurance based on the breed of dog owned
PURPOSE:
The objective of this legislation is to prevent insurance companies
from discriminating against homeowners and renters based on the
breed of dog that they own.
SUMMARY OF SPECIFIC PROVISIONS:
This act would clarify the law in such a manner as to prohibit
insurance companies from refusing to issue or renew an insurance
policy, from canceling a policy and from charging higher premiums
based on ownership of a particular breed of dog. However, when there
is a 'dangerous dog' finding under the agriculture and markets law,
the refusal to issue or renew a policy, or imposition of higher
premiums would still be permitted as long as such a determination is
based upon sound underwriting and actuarial principles reasonably
related to actual or anticipated loss.
JUSTIFICATION:
If a dog had ever attacked and caused injury to a person then there
2011-S3092A - Bill Text download pdf
S T A T E O F N E W Y O R K
________________________________________________________________________
3092--A
2011-2012 Regular Sessions
I N S E N A T E
February 8, 2011
___________
Introduced by Sen. ROBACH -- read twice and ordered printed, and when
printed to be committed to the Committee on Insurance -- committee
discharged, bill amended, ordered reprinted as amended and recommitted
to said committee
AN ACT to amend the insurance law, in relation to prohibiting insurers
from canceling, refusing to issue or renew, or charging higher premi-
ums for homeowners' insurance based on the breed of dog owned
THE PEOPLE OF THE STATE OF NEW YORK, REPRESENTED IN SENATE AND ASSEM-
BLY, DO ENACT AS FOLLOWS:
Section 1. The insurance law is amended by adding a new section 3421
to read as follows:
S 3421. HOMEOWNERS' LIABILITY INSURANCE; DOGS. 1. WITH RESPECT TO
HOMEOWNERS' INSURANCE POLICIES AS DEFINED IN SECTION TWO THOUSAND THREE
HUNDRED FIFTY-ONE OF THIS CHAPTER, NO INSURER SHALL REFUSE TO ISSUE OR
RENEW, CANCEL, OR CHARGE OR IMPOSE AN INCREASED PREMIUM OR RATE FOR SUCH
POLICY OR CONTRACT BASED SOLELY, IN WHOLE OR IN PART, UPON HARBORING OR
OWNING ANY DOG OF A SPECIFIC BREED OR MIXTURE OF BREEDS.
2. THE PROVISIONS OF THIS SECTION SHALL NOT PROHIBIT AN INSURER FROM
REFUSING TO ISSUE OR RENEW OR FROM CANCELING ANY SUCH CONTRACT OR POLI-
CY, NOR FROM IMPOSING A REASONABLY INCREASED PREMIUM OR RATE FOR SUCH A
POLICY OR CONTRACT BASED UPON THE DESIGNATION OF A DOG OF ANY BREED OR
MIXTURE OF BREEDS AS A DANGEROUS DOG PURSUANT TO SECTION ONE HUNDRED
TWENTY-THREE OF THE AGRICULTURE AND MARKETS LAW, BASED ON SOUND UNDER-
WRITING AND ACTUARIAL PRINCIPLES REASONABLY RELATED TO ACTUAL OR ANTIC-
IPATED LOSS EXPERIENCE SUBJECT TO THE APPLICABLE PROVISIONS OF SECTION
THREE THOUSAND FOUR HUNDRED TWENTY-FIVE OF THIS ARTICLE.
S 2. This act shall take effect on the ninetieth day after it shall
have become a law and shall apply to all policies issued, renewed, modi-
fied, altered or amended on or after such effective date.
EXPLANATION--Matter in ITALICS (underscored) is new; matter in brackets
[ ] is old law to be omitted.
LBD01916-03-1
2011-S3092B (ACTIVE) - Details
- See Assembly Version of this Bill:
- A3507
- Current Committee:
- Senate Insurance
- Law Section:
- Insurance Law
- Laws Affected:
- Add §3421, Ins L
- Versions Introduced in Other Legislative Sessions:
-
2009-2010:
S404, A2566
2013-2014: S4822, A3952
2015-2016: S487, A3696
2017-2018: S2075, A4225
2019-2020: S4286, S7924, A723
2021-2022: S4254, A4075
2011-S3092B (ACTIVE) - Sponsor Memo
BILL NUMBER:S3092B
TITLE OF BILL:
An act
to amend the insurance law, in relation to prohibiting insurers from
canceling, refusing to issue or renew, or charging higher premiums for
homeowners' insurance based on the breed of dog owned
PURPOSE:
The objective of this legislation is to prevent insurance companies
from discriminating against homeowners and renters based on the breed
of dog that they own.
SUMMARY OF SPECIFIC PROVISIONS:
This act would clarify the law in such a manner as to prohibit
insurance companies from refusing to issue or renew an insurance
policy, from canceling a policy and from charging higher premiums
based on ownership of a particular breed of dog. However, when there
is a 'dangerous dog' finding under the agriculture and markets law,
the refusal to issue or renew a policy, or imposition of higher
premiums would still be permitted as long as such a determination is
based upon sound underwriting and actuarial principles reasonably
related to actual or anticipated loss.
JUSTIFICATION:
If a dog had ever attacked and caused injury to a person then there
2011-S3092B (ACTIVE) - Bill Text download pdf
S T A T E O F N E W Y O R K
________________________________________________________________________
3092--B
2011-2012 Regular Sessions
I N S E N A T E
February 8, 2011
___________
Introduced by Sen. ROBACH -- read twice and ordered printed, and when
printed to be committed to the Committee on Insurance -- committee
discharged, bill amended, ordered reprinted as amended and recommitted
to said committee -- recommitted to the Committee on Insurance in
accordance with Senate Rule 6, sec. 8 -- committee discharged, bill
amended, ordered reprinted as amended and recommitted to said commit-
tee
AN ACT to amend the insurance law, in relation to prohibiting insurers
from canceling, refusing to issue or renew, or charging higher premi-
ums for homeowners' insurance based on the breed of dog owned
THE PEOPLE OF THE STATE OF NEW YORK, REPRESENTED IN SENATE AND ASSEM-
BLY, DO ENACT AS FOLLOWS:
Section 1. The insurance law is amended by adding a new section 3421
to read as follows:
S 3421. HOMEOWNERS' LIABILITY INSURANCE; DOGS. 1. WITH RESPECT TO
HOMEOWNERS' INSURANCE POLICIES AS DEFINED IN SECTION TWO THOUSAND THREE
HUNDRED FIFTY-ONE OF THIS CHAPTER, NO INSURER SHALL REFUSE TO ISSUE OR
RENEW, CANCEL, OR CHARGE OR IMPOSE AN INCREASED PREMIUM OR RATE FOR SUCH
POLICY OR CONTRACT BASED SOLELY UPON HARBORING OR OWNING ANY DOG OF A
SPECIFIC BREED OR MIXTURE OF BREEDS.
2. THE PROVISIONS OF THIS SECTION SHALL NOT PROHIBIT AN INSURER FROM
REFUSING TO ISSUE OR RENEW OR FROM CANCELING ANY SUCH CONTRACT OR POLI-
CY, NOR FROM IMPOSING A REASONABLY INCREASED PREMIUM OR RATE FOR SUCH A
POLICY OR CONTRACT BASED UPON THE DESIGNATION OF A DOG OF ANY BREED OR
MIXTURE OF BREEDS AS A DANGEROUS DOG PURSUANT TO SECTION ONE HUNDRED
TWENTY-THREE OF THE AGRICULTURE AND MARKETS LAW, BASED ON SOUND UNDER-
WRITING AND ACTUARIAL PRINCIPLES REASONABLY RELATED TO ACTUAL OR ANTIC-
IPATED LOSS EXPERIENCE SUBJECT TO THE APPLICABLE PROVISIONS OF SECTION
THREE THOUSAND FOUR HUNDRED TWENTY-FIVE OF THIS ARTICLE.
S 2. This act shall take effect on the ninetieth day after it shall
have become a law and shall apply to all policies issued, renewed, modi-
fied, altered or amended on or after such effective date.
EXPLANATION--Matter in ITALICS (underscored) is new; matter in brackets
[ ] is old law to be omitted.
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