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Senate Bill S7416B

2023-2024 Legislative Session

Prohibits restrictions on insurance policies based solely on the policyholder harboring or owning any dog of a specific breed or mixture of breeds

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Archive: Last Bill Status - On Floor Calendar

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Bill Amendments

2023-S7416 - Details

See Assembly Version of this Bill:
A6867
Law Section:
Insurance Law
Laws Affected:
Amd §3421, Ins L
Versions Introduced in 2025-2026 Legislative Session:
S364, A893

2023-S7416 - Summary

Prohibits restrictions on insurance policies based solely on the policyholder harboring or owning any dog of a specific breed or mixture of breeds.

2023-S7416 - Sponsor Memo

2023-S7416 - Bill Text download pdf 

                             
                     S T A T E   O F   N E W   Y O R K
 ________________________________________________________________________
 
                                   7416
 
                        2023-2024 Regular Sessions
 
                             I N  S E N A T E
 
                               May 24, 2023
                                ___________
 
 Introduced  by Sen. GIANARIS -- 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  certain
   restrictions  as  it  relates  to  dog  breed;  and  to repeal certain
   provisions of such law relating thereto

   THE PEOPLE OF THE STATE OF NEW YORK, REPRESENTED IN SENATE AND  ASSEM-
 BLY, DO ENACT AS FOLLOWS:
 
   Section  1.  Section  3421  of the insurance law is REPEALED and a new
 section 3421 is added to read as follows:
   § 3421. DOGS; COVERAGE REFUSAL. (A) AN INSURER THAT ISSUES OR DELIVERS
 A POLICY IN THIS STATE SHALL NOT CANCEL,  REFUSE  TO  ISSUE,  REFUSE  TO
 RENEW,  OR INCREASE THE PREMIUM OF A POLICY OR EXCLUDE, LIMIT, RESTRICT,
 OR REDUCE COVERAGE UNDER SUCH POLICY  BASED  SOLELY  UPON  HARBORING  OR
 OWNING ANY DOG OF A SPECIFIC BREED OR MIXTURE OF BREEDS.
   (B)  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.
   (C)  THIS  SECTION SHALL APPLY TO POLICIES OF INSURANCE IF THE INSURED
 OR PROPOSED INSURED IS AN INDIVIDUAL.
   § 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.
                                                            LBD10473-01-3

co-Sponsors

2023-S7416A - Details

See Assembly Version of this Bill:
A6867
Law Section:
Insurance Law
Laws Affected:
Amd §3421, Ins L
Versions Introduced in 2025-2026 Legislative Session:
S364, A893

2023-S7416A - Summary

Prohibits restrictions on insurance policies based solely on the policyholder harboring or owning any dog of a specific breed or mixture of breeds.

2023-S7416A - Sponsor Memo

2023-S7416A - Bill Text download pdf 

                             
                     S T A T E   O F   N E W   Y O R K
 ________________________________________________________________________
 
                                  7416--A
 
                        2023-2024 Regular Sessions
 
                             I N  S E N A T E
 
                               May 24, 2023
                                ___________
 
 Introduced  by Sen. GIANARIS -- 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 certain
   restrictions as it  relates  to  dog  breed;  and  to  repeal  certain
   provisions of such law relating thereto
 
   THE  PEOPLE OF THE STATE OF NEW YORK, REPRESENTED IN SENATE AND ASSEM-
 BLY, DO ENACT AS FOLLOWS:
 
   Section 1. Section 3421 of the insurance law is  REPEALED  and  a  new
 section 3421 is added to read as follows:
   § 3421. DOGS; COVERAGE REFUSAL. (A) AN INSURER THAT ISSUES OR DELIVERS
 A  POLICY  IN  THIS  STATE  SHALL NOT CANCEL, REFUSE TO ISSUE, REFUSE TO
 RENEW, OR INCREASE THE PREMIUM OF A POLICY OR EXCLUDE, LIMIT,  RESTRICT,
 OR  REDUCE COVERAGE UNDER SUCH POLICY BASED UPON HARBORING OR OWNING ANY
 DOG OF A SPECIFIC BREED OR MIXTURE OF BREEDS.
   (B) 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.
   (C) THIS SECTION SHALL APPLY TO POLICIES OF INSURANCE IF  THE  INSURED
 OR PROPOSED INSURED IS AN INDIVIDUAL OR INDIVIDUALS.
   §  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.
                                                            LBD10473-03-3

co-Sponsors

2023-S7416B (ACTIVE) - Details

See Assembly Version of this Bill:
A6867
Law Section:
Insurance Law
Laws Affected:
Amd §3421, Ins L
Versions Introduced in 2025-2026 Legislative Session:
S364, A893

2023-S7416B (ACTIVE) - Summary

Prohibits restrictions on insurance policies based solely on the policyholder harboring or owning any dog of a specific breed or mixture of breeds.

2023-S7416B (ACTIVE) - Sponsor Memo

2023-S7416B (ACTIVE) - Bill Text download pdf 

                             
                     S T A T E   O F   N E W   Y O R K
 ________________________________________________________________________
 
                                  7416--B
 
                        2023-2024 Regular Sessions
 
                             I N  S E N A T E
 
                               May 24, 2023
                                ___________
 
 Introduced by Sens. GIANARIS, SKOUFIS -- 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 committee
 
 AN  ACT  to  amend the insurance law, in relation to prohibiting certain
   restrictions as it relates to dog breed
 
   THE PEOPLE OF THE STATE OF NEW YORK, REPRESENTED IN SENATE AND  ASSEM-
 BLY, DO ENACT AS FOLLOWS:
 
   Section  1.    The section heading and subsection 1 of section 3421 of
 the insurance law, the section heading as added by chapter  545  of  the
 laws  of  2021 and subsection 1 as amended by chapter 679 of the laws of
 2022, are amended to read as follows:
   Homeowners' liability insurance AND RENTERS' INSURANCE; dogs.  1. With
 respect to homeowners' insurance policies  as  defined  in  section  two
 thousand  three hundred fifty-one of this chapter AND RENTERS' INSURANCE
 POLICIES AS DEFINED IN SECTION THREE THOUSAND FOUR HUNDRED FIFTY-FOUR 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, or exclude, limit, restrict, or  reduce  coverage  under  such
 policy  or  contract  based solely upon harboring or owning any dog of a
 specific breed or mixture of breeds.
   § 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.
                                                            LBD10473-05-4

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