Senate Bill S4078

2015-2016 Legislative Session

Prohibits insurers from refusing to issue or renew, cancel, or charge or impose an increased premium for certain policies based on the breed of a dog owned

download bill text pdf

Sponsored By

Archive: Last Bill Status - In Senate Committee Insurance Committee


  • Introduced
    • In Committee Assembly
    • In Committee Senate
    • On Floor Calendar Assembly
    • On Floor Calendar Senate
    • Passed Assembly
    • Passed Senate
  • Delivered to Governor
  • Signed By Governor

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2015-S4078 (ACTIVE) - Details

Current Committee:
Senate Insurance
Law Section:
Insurance Law
Laws Affected:
Add §3421, Ins L
Versions Introduced in Other Legislative Sessions:
2009-2010: S93
2011-2012: S1710
2013-2014: S624

2015-S4078 (ACTIVE) - Summary

Prohibits insurers from refusing to issue or renew, cancel, charge or impose an increased premium for homeowners' insurance policies based on the breed of a dog owned if the dog completes an approved obedience course.

2015-S4078 (ACTIVE) - Sponsor Memo

2015-S4078 (ACTIVE) - Bill Text download pdf

                            
                    S T A T E   O F   N E W   Y O R K
________________________________________________________________________

                                  4078

                       2015-2016 Regular Sessions

                            I N  S E N A T E

                            February 26, 2015
                               ___________

Introduced  by  Sen. SAMPSON -- 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  if  the
  dog completes an approved obedience course

  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 AN 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 UNDERWRITING AND
ACTUARIAL PRINCIPLES REASONABLY RELATED TO ACTUAL  OR  ANTICIPATED  LOSS
EXPERIENCE  SUBJECT  TO THE APPLICABLE PROVISIONS OF SECTION THREE THOU-
SAND FOUR HUNDRED TWENTY-FIVE OF  THIS  ARTICLE.    HOWEVER,  BEFORE  AN
INSURER  MAY REFUSE TO ISSUE, RENEW OR CANCEL SUCH CONTRACT OR POLICY OR
IMPOSE AN INCREASED PREMIUM OR RATE FOR SUCH POLICY  OR  CONTRACT  BASED
UPON  THE  DESIGNATION  OF  A DOG AS DANGEROUS, AN INSURER SHALL PROVIDE
SUCH DANGEROUS DOG NINETY DAYS  TO  SUCCESSFULLY  COMPLETE  AN  APPROVED
OBEDIENCE  COURSE.  IF  SUCH  COURSE  LASTS LONGER THAN NINETY DAYS, THE

 EXPLANATION--Matter in ITALICS (underscored) is new; matter in brackets
                      [ ] is old law to be omitted.
                                                           LBD09154-01-5
              

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